Personal Checking

West Tennessee Bank offers good, basic, checking accounts that are easy to use, with low fees, and designed with you in mind. No fancy club accounts, no confusing list of fees, just accounts as easy as writing a check. Stop by any of our offices and ask which of our checking accounts will work for you.

Regular Checking

  • Unlimited Check Writing
  • Minimum opening balance: $25.00
  • No fees for daily balances of $500.00 or more
  • Service Charge of $7 will be imposed monthly if the balance in the account falls below $500 any day of the monthly statement cycle
  • VISA™ Check card available upon approval
  • A $10 fee will be charged to replace a check card that has been lost or stolen, or has been cancelled due to fraudulent account activity.
  • Check order fee dependent on check style chosen
  • e-statements
  • 24 Hour Banking services with automatic teller machines (ATMs)
  • 24 Hour “On Call” telephone banking services 731-852-2022 or toll free 1-866-751-0431
  • Online Banking services at  West TN Bank with Bill Pay
  • Mobile banking services with smart devices (Download app via app store or google play)

 Senior Regular Checking Account

  • Unlimited Check Writing
  • Minimum opening balance: $25.00
  • No monthly service charge for Customers age 65+
  • No charge for check printing for Customers age 65+ (Classic style only)
  • VISA™ Check Card available upon approval.
  • A $10 fee will be charged to replace a check card that has been lost or stolen, or has been cancelled due to fraudulent account activity
  • Free check order (Classic style only)
  • 24 Hour Banking services with automatic teller machines (ATMs)
  • 24 Hour “On Call” telephone banking services 731-852-2022 or toll free 1-866-751-0431
  • Online Banking services at West TN Bank with Bill Pay
  • e-statements
  • Mobile banking services with smart devices (Download app via app store or google play)

Student Regular Checking Account

  • Unlimited Check Writing
  • Minimum opening balance: $25.00
  • No monthly service charge for full time students age 25 and under
  • No charge for check printing for full time students age 25 and under (Classic style only)
  • VISA™ Check Card available upon approval
  • A $10 fee will be charged to replace a check card that has been lost or stolen, or has been cancelled due to fraudulent account activity.
  • 24 Hour Banking services with automatic teller machines (ATMs)
  • 24 Hour “On Call” telephone banking services 731-852-2022 or toll free 1-866-751-0431
  • Online Banking services at West TN Bank with Bill Pay
  • e-statements
  • Mobile banking services with smart devices (Download app via app store or google play)

Hero Checking  

(Available to any active or retired military personnel, law enforcement officers, EMS personnel, or firefighters)

  • Minimum opening balance: $25.00
  • Unlimited Check Writing
  • $5.00 monthly service charge (waived once enrolled in e-statements)
  • First order of Colonial Classic 50 checks at no cost
  • VISA™ Check card available upon approval
  • Online Banking with Bill Pay
  • Mobile Banking
  • e-statement
  • 50% discount on safe deposit box* fee (annual fee must be set to auto-debit from Hero Checking Account) *Safe deposit boxes not FDIC insured
  • 24 Hour “On Call” telephone banking services 731-852-2022 or toll free 1-866-751-0431
  • Mobile banking services with smart devices (Download app via app store or google play)

Employee Benefit Banking Checking 

Available to any participating business account holders employees

  • Minimum opening balance: $25.00
  • Unlimited Check Writing
  • $5.00 monthly service charge (waived so long as participating employer retains a deposit relationship with Decatur County Bank / West Tennessee Bank)
  • First order of Colonial Classic 50 checks for free.
  • VISA™ Check card available upon approval.
  • Online Banking with Bill Pay
  • Mobile Banking
  • e-statement
  • 24 Hour “On Call” telephone banking services 731-852-2022 or toll free 1-866-751-0431
  • Mobile banking services with smart devices (Download app via app store or google play)

Money Market Account

  • Minimum opening balance: $2,500.00
  • Higher interest paid on daily balance over $50,000.00
  • Interest Rate is variable and paid monthly
  • No fees for daily balances of $2,500.00 or more
  • Service Charge of $10 will be imposed monthly if the balance in the account falls below $2,500 any day of the monthly statement cycle
  • During any calendar month, you may not make more than 6 covered withdrawals or transfers to another account of yours or to a third party by means of a preauthorized or automatic transfer or telephone order or instruction, by computer, internet or mobile transfer or by check, debit card, or similar order to a third party
  • Transaction fee of $10 per transaction after 6 covered withdrawals per month
  • 24 Hour Banking services with automatic teller machines (ATMs)
  • 24 Hour “On Call” telephone banking services 731-852-2022 or toll free 1-866-751-0431
  • Online Banking services at West TN Bank with Bill Pay

Super Now Account

  • Unlimited Check Writing
  • Minimum opening balance: $2,500.00
  • No fees for daily balances of $2,500.00 or more
  • Interest paid at SUPER NOW Account rate
  • Interest rate is variable and paid monthly
  • Service Charge of $7 will be imposed monthly if the balance in the account falls below $2,500 any day of the monthly statement cycle
  • VISA™ Check Card Available upon approval
  • A $10 fee will be charged to replace a check card that has been lost or stolen, or has been cancelled due to fraudulent account activity
  • Check order fee dependent on check style chosen
  • 24 Hour Banking services with automatic teller machines (ATMs)
  • 24 Hour “On Call” telephone banking services 731-852-2022 or toll free 1-866-751-0431
  • Online Banking services at West TN Bank with Bill Pay
  • e-statements
  • Mobile banking services with smart devices (Download app via app store or google play)

NOW Account

  • Unlimited Check Writing
  • Minimum opening balance: $1,500.00
  • No fees for daily balances of $1,500.00 or more
  • Service Charge of $7 will be imposed monthly if the balance in the account falls below $1,500 any day of the monthly statement cycle
  • Interest paid on daily balance at NOW Account rate
  • Interest rate is variable and paid monthly
  • VISA™ Check card available upon approval
  • A $10 fee will be charged to replace a check card that has been lost or stolen, or has been cancelled due to fraudulent account activity
  • Check order fee dependent on check style chosen
  • e-statements
  • 24 Hour Banking services with automatic teller machines (ATMs)
  • 24 Hour “On Call” telephone banking services 731-852-2022 or toll free 1-866-751-0431
  • Online Banking services at West TN Bank with Bill Pay
  • Mobile banking services with smart devices (Download app via app store or google play)

Contact Information

If you have any questions regarding checking accounts, Please contact the representative for your branch listed below.

Decaturville Branch
56 North Pleasant St.
Decaturville TN 38329
Tel: 731.852.2821
Grace Carrington
gcarrington@decaturcountybank.com

Parsons Branch
169 Tennessee Avenue
Parsons TN 38363
Tel: 731.847.6356
Candance Horn
chorn@decaturcountybank.com

Henderson Branch
1007 Hwy. 45 North
Henderson, TN 38340
Tel: 731.989.0204
Wanda Gates
wgates@westtnbank.com

Jackson Branch
1270 Union University Dr. Unit D
Jackson, TN 38305
Tel: 731.513.5730
Carrie Schiedegger
cschiedegger@westtnbank.com