The kind of bank
that makes
life simple.
Less hassle. More life.
Open Direct One Checking with just $25 — one monthly direct deposit or one debit card purchase per statement cycle waives the monthly $5 service charge.*
Your $5 monthly service charge, waived.*
One monthly direct deposit or one debit card purchase per statement cycle waives the $5 monthly service charge — straightforward and easy to maintain. You only need to meet one condition, not both.
Everything you need. Nothing you don’t.
Direct One Checking is designed for everyday banking — a straightforward account backed by a bank West Alabama has trusted since 1944.
Monthly service charge easily waived
One monthly direct deposit1 or one debit card purchase per statement cycle waives the $5 monthly service charge.
$25 minimum to open
Open with just $25 — no minimum balance required.
E-statements2
Get your statements electronically — secure, searchable, and always available in online banking.
Mastercard® debit card3
A West Alabama Bank Mastercard® debit card, accepted everywhere Mastercard is welcome — including ATMs nationwide.
Online banking and bill pay
Check balances, move money, and pay bills from your computer whenever it suits you.
Mobile Banking4
Snap a photo to deposit checks and much more, right from your phone.
24/7 account access
Your account is open around the clock via our mobile app and online banking.
FDIC insured
FDIC insured for your peace of mind.
Banking in West Alabama, with the people who live here.
West Alabama Bank has served this region since 1944 — not shareholders three states away. Fourteen locations, staffed by bankers who live in the same towns, shop the same stores, and answer the phone when you call.
Direct One Checking is the account most of our neighbors start with. Simple. Straightforward. Yours.
Every location, close to home.
Open your account in person at any West Alabama Bank branch — bring $25 and a photo ID.
Frequently asked questions.
How do I waive the $5 monthly service charge? +
Make at least one qualifying monthly direct deposit or at least one debit card purchase during the statement cycle, and the $5 monthly service charge is waived for that statement cycle. You only need to meet one condition — not both.
What counts as a qualifying direct deposit? +
A qualifying direct deposit is an electronic deposit made by an employer, government agency, or other payer via ACH — such as your paycheck, Social Security, or pension payment. Transfers between your own accounts do not count. Direct Deposits must be $25 or more to qualify.
How much do I need to open a Direct One Checking account? +
You can open a Direct One Checking account with a minimum deposit of just $25. There is no ongoing minimum balance requirement once your account is open.
Can I open an account online or do I need to visit a branch? +
Opening a Direct One Checking account requires an in-person visit to one of our 14 West Alabama Bank branch locations. Stop by any branch at your convenience — bring $25 and a photo ID — or call us first and a local banker will get everything ready for you.
Is my money FDIC insured? +
Yes. West Alabama Bank is FDIC insured. Your deposits are insured up to $250,000 per depositor, per ownership category, per insured bank.
Does Direct One Checking come with a debit card? +
Yes — every Direct One Checking account comes with a West Alabama Bank Mastercard® debit card accepted everywhere Mastercard is welcome, including ATMs nationwide.
$25 to open, and one simple way to waive the monthly charge.*
Visit one of our 14 West Alabama Bank branch locations to complete the account opening process in person — bring $25 and a photo ID, and a local banker will handle the rest.
The kind of bank that makes life simple.
Serving West Alabama since 1944 — stop by one of our 14 locations today.