Main

Personal Checking

On Time Checking

  • $100.00 Minimum deposit to open

  • $7.00 Net service charge per month

  • No minimum balance required

  • FREE in-house checks (wallet, non-duplicate)

  • FREE ATM/Debit card (upon approval)

  • FREE Internet Banking, Mobile Banking, Telephone Banking and Bill Pay

Vintage Checking

A senior account for those 55 and older.

  • $100.00 Minimum deposit to open

  • No net service charge

  • One FREE personal vintage checks per calendar year (wallet, non-duplicate)

  • $5.00 per year discount on Safe Deposit Box rentals

  • FREE ATM/Debit card (upon approval)

  • FREE Internet Banking, Mobile Banking, Telephone Banking and Bill Pay

Checkless Checking

  • $100.00 Minimum deposit to open

  • $7.50 Net service charge per month

  • No check writing capabilities

  • FREE ATM/Debit card

  • FREE Internet Banking, Mobile Banking, Telephone Banking and Bill Pay

Now Checking

  • $100.00 minimum deposit to open

  • $10.00 net service charge per month if balance falls below $1,500

  • Interest paid on a tier balance:

    • Up to $4,999.99

    • $5,000.00 to $9,999.99

    • $10,000.00 to $49,999.99

    • Above $50,000.00

  • FREE ATM/Debit card (upon approval)

  • FREE Internet Banking, Mobile Banking, Telephone Banking and Bill Pay

Protect & Serve Checking

An account for local police and firemen.

  • $100.00 minimum deposit to open

  • No net service charge

  • FREE ATM/Debit card (upon approval)

  • FREE Internet Banking, Mobile Banking, Telephone Banking and Bill Pay

Relations Checking

An interest bearing account.

  • No minimum balance required

  • Net service charge of $7.00 per month with the following discount options:

    • Electronic Statements- $3 Discount

    • Direct Deposit- $2 Discount

    • Debit Card Transactions (5 Items) - $2 Discount

  • FREE ATM/Debit card (upon approval)

  • FREE Internet Banking, Mobile Banking, Telephone Banking and Bill Pay

Money Market

An interest bearing account.

  • $2,500.00 minimum deposit to open

  • $10.00 net service charge per month if balance falls below $2,500

  • Interest paid on tier balance:

    • Up to $4,999.99

    • $5,000.00 to $9,999.99

    • $10,000.00 to $49,999.99

    • Above $50,000.00

  • FREE ATM/Debit card (upon approval)

  • FREE Internet Banking, Mobile Banking, Telephone Banking and Bill Pay

Bank of Walker County

ftld Bauer 5 Star 2025

Lost/Stolen Debit Card: (800) 754-4128
Main Office: (205) 295-0033
Smith Lake: (205) 282-4100
Email: banker@bowc.bank
Equal Housing Lender