Personal Checking

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With Waycross Bank & Trust, managing your money is simple and easy. With a wide variety of products and superior customer service, you receive the convenience you need and the safety you deserve.
All accounts come with complimentary Online Banking, easy and free enrollment in both eStatements and Bill Pay, and convenient Bank to Bank Transfer (upon request). You are also able to utilize the Waycross mobile app and request enrollment in Mobile Deposit. All accounts have free access to the Waycross ATM, are eligible for a MasterCard® Debit Card, and are insured by the FDIC.
Ask us about other services, such as safe deposit boxes or check ordering.


Advantage Checking

No fuss or frills, just a straightforward way to manage your money. A minimum of $100 is needed to open the account, and there is no monthly service charge if the balance stays above $500. Should the balance drop below $500 at any point in the month, a $6 service charge will be incurred. Customers under the age of 18 or those 55 and over do not have a monthly service charge. Enjoy the advantage of unlimited check writing and debits, plus receive free check images with your monthly account statement.

Premier Checking 

Make your money work harder for you - earn interest! Announced at a tiered rate when the account is opened, this is how you make every penny count. There is no monthly service charge if the balance stays above $1,000, and an $8 monthly service charge should the balance fall below $1,000 during the month. There are no limits on the number of checks written or debits made, and you'll receive your check images at no charge on your monthly statement.

Personal Money Market Account

Put your money to work! With higher interest rates on larger balances, why not? A deposit of $100 is needed to open the account, and interest is earned on the daily balance and compounded monthly. The tiered rates are announced when the account is opened, and there is no monthly service charge if the balance is kept above $500. Should the balance fall below that amount, a $5 service charge is incurred. There are six free withdrawals per month, and each withdrawal over six is $5 per transaction.