Online Banking

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EXCITING NEWS! We are enhancing Bill Pay! To bring you the new features, updated functionality, and additional options, Bill Pay will be unavailable the evening on Friday, Sept. 9 until the morning of Tuesday, Sept. 12. We look forward to bringing you enhancements like Person to Person payments, expedited processing, and gift features soon.

Online Banking

A free service to all account holders, Online Banking allows you protected access to your account information 24 hours a day, 7 days a week even when the bank is closed.

  • View, export or merge transaction history (90 day maximum history) to reconcile accounts
  • Leverage tools such as QuickBooks® and Quicken® to manage accounts
  • Search transactions based on specific criteria, such as date ranges, dollar amounts or check number
  • Stop payment on a check
  • Transfer funds to other accounts
  • Enroll in Bank to Bank Transfer to move funds to external bank accounts
  • Make payments on a Waycross Bank & Trust loan
  • Pay bills
  • View or print eStatements

To sign up for Online Banking, complete the application and return it to your banker. Once you are enrolled in Online Banking, the below services are also available.


Electronic statements are a fast, secure, and convenient way to keep track of your accounts. They are sent directly to the email address (or addresses) you provide and are available several days before paper statements arrive in the mail.

Once you are signed up to receive eStatements, your Online Banking account will store up to 30 months of statements for you. A designated tab within the Online Banking platform allows you to access your current and archived statements, as well as manage preferences such as the email address it is delivered to and your unique security features.

To sign up, follow the instructions in the eStatement tab within Online Banking or contact the bank for assistance.

Bill Pay

An easy way to manage your bills from the same location as your deposit accounts, Bill Pay is a simple and free resource. It can make organizing the flow of regularly occurring bills convenient, and removes the need to write checks, address envelopes, or buy stamps.

Bank to Bank Transfer

Moving money to your various bank accounts has never been easier! Bank to Bank Transfer allows you to transfer funds from your checking or savings account at Waycross Bank & Trust to or from checking or savings accounts you have at other financial institutions. To enroll in this service, please contact your banker.


Please note that once you are enrolled in Online Banking, the bank will never solicit your login credentials. Any attempt at obtaining this information could be an indicator of a fraudulent request and we urge you not to share your information and to contact the bank immediately.