Savings Accounts

Savings Account

  • Account earns a competitive interest rate
  • Minimum balance to open is $100 and the entire balance earns interest
  • A monthly fee of $3 will be charged only if the balance falls below $100 any day during the month
  • Customers 21 years of age and younger: only $1 required for opening deposit, no minimum balance fee applies and the entire balance earns interest
  • 6 FREE withdrawals per month in person or by mail (other limitations apply - see branch for details)
  • Each withdrawal in excess of 6 will result in a $3 fee
  • Contact a customer service representative for more details.

Money Market Account

  • Earn a premium rate of interest
  • Minimum balance to open is $100 (30 day grace period to get balance up to avoid service charge)
  • If the balance falls below $2,500 any day of the month, a $10 fee will be assessed
  • Transfers from a Money Market account to another account or to third parties by preauthorized, automatic, telephone, or computer transfer are limited to six per monthly statement cycle.
  • An excess withdrawal fee of $5 will be charged for each debit transaction (withdrawal, check paid, automatic transfer, or payment out of this account) in excess of six during a statement cycle (with no more than 3 by check).
  • Contact a customer service representative for more details.


Health Savings Account (HSA)

  • An interest bearing account to save for medical expenses
  • Tax-Exempt custodial account exclusively for paying or reimbursing qualified medical expenses
  • Must be eligible and covered by a high-deductible health plan. Consult your tax advisor.
  • Maximum annual contributions apply and are set by the Internal Revenue Service
  • Contributions to an HSA may be tax deductible. Consult your tax advisor.
  • Minimum $40 deposit or direct deposit required to open account
  • Contact a customer service representative for more details.


Santa Savings Account

  • Accounts can be opened the last Friday of November through the last Monday of January each year
  • Deposits can be made as often as you like though the first Friday in November each year
  • In early November of the year the account is open, you will receive a direct deposit to your checking account for the balance of the account plus interest
  • Contact a customer service representative for more details or click here for an application. 

Moving your accounts to West Plains Bank and Trust Company? Use our Switch Kit!