Interest Checking Account
Tiered Interest Rates
Interest accrues at a tiered rate, so higher balances get rewarded, and your money is always working for you.1
No Monthly Fees
Get more from your checking account without paying more. Ultimate Checking has no monthly fees.
Online and Mobile Banking
Enjoy the convenience of online Bill Pay, mobile check deposit, and mobile wallet for contactless payments with our secure online banking tools.
Account features
Monthly Statements
eStatement only
Minimum Amount to Open
$100
Minimum Monthly Balance
No minimum balance2
Debit Card
Included Free
A Checking Account that Works for You
With a checking account that earns interest, your money works for you. You work hard for your money. Your checking account should work as hard as you do.
More Freedom
Use Any ATM without Fear of Fees
West Texas National Bank ATMs are always free. When you use any other ATM, surcharges are refunded, so you never feel too far from home.3
Find an ATMMore Care
Local, Personal Service for Your Checking Account
Ultimate Checking is more than a checking account. It’s the start of your relationship with a true financial partner. We deliver more service, more attention, and more guidance every time you visit your local branch.
Meet Our Team1Must meet all account qualifications to earn higher tiered interest rates.
2 A positive balance is required to maintain the account and to prevent it from being automatically closed.
3 Non-WTNB ATM: $2.50, in addition to any surcharges imposed by the machine used. Note: ATM surcharges will be refunded, up to a maximum of $20 per statement cycle if you meet Account Qualifications
Account Qualifications: You must meet the following requirements during the statement cycle: At least one or more monthly ACH Credit(s). At least 10 Point of Sale (POS or Merchant) transactions must post and settle to your account during the statement cycle. The account must also receive a monthly eStatement via Online Banking