Important Information: Delayed Opening 2/6/25
All Branches Closed 2/17/2025
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Budgeting Resources

Manage your Finances Confidently

Be Prepared

As your financial needs are forever changing, Woodlands Bank is committed to helping you get informed and feel confident about what is around your next turn on the road of life. There is always something new to learn before embarking on your next adventure. Use our tools to help you plan ahead and be prepared.
Budgeting Calculators

NOTICE

Information and interactive calculators are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We cannot and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.

AutoDebtLoansPersonalRetirementSavingsTaxInvestmentInsuranceMortgage

Loan Calculators

Amortizing Loan Calculator

Enter your desired payment – and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!

Amortizing Loan Calculator
Credt Line

How big a line of credit can you receive? Use this calculator to find out!

Credit Line
Debt Consolodation Calculator

Should you consolidate your debt? Use this calculator to find out.

Debt Consolodation Calculator
Loan Comparison Calculator

Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options.

Loan Comparison Calculator

Personal Finance

Checkbook Balancer

Balance your checkbook with this quick and easy calculator.

Amortizing Loan Calculator
Home Budget Analysis

Analyze your budget, see where your money goes and find out where you can improve!

Home Budget Analysis
Net Worth

This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.

Net Worth
Student Budget

This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.

Student Budget

Retirement Savings & Planning

401(k) Savings Calculator

A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you can not afford to pass up.

Retirement Planner
Retirement Planner

Quickly determine if your retirement plan is on track – and learn how to keep it there.

Retirement Planner
Retirement Shortfall

Running out of your retirement savings too soon is one of the biggest risks to a comfortable retirement. Use this calculator to find a potential shortfall in your current retirement savings plan.

Retirement Shortfall
Roth IRA Calculator

Use this calculator to compare the Roth IRA to an ordinary taxable investment.

Roth IRA Calculator
Roth IRA Conversion

This calculator will show the advantage, if any, of converting your IRA to a Roth.

Roth IRA Conversion
Roth vs. Traditional IRA

Use this calculator to determine which IRA may be right for you.

Roth vs. Traditional IRA
Social Security Benefits

Use this calculator to estimate your Social Security benefits

Social Security Benefits
Traditional IRA Calculator

How can contributing to a regular IRA help you in your retirement?

Traditional IRA Calculator

Savings Calculators

Checkbook Balancer

Balance your checkbook with this quick and easy calculator.

Amortizing Loan Calculator
Home Budget Analysis

Analyze your budget, see where your money goes and find out where you can improve!

Home Budget Analysis
Net Worth

This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.

Net Worth
Student Budget

This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.

Student Budget

Tax & Investment Calculators

Amortizing Loan Calculator

Enter your desired payment – and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!

Amortizing Loan Calculator
Credt Line

How big a line of credit can you receive? Use this calculator to find out!

Credit Line
Debt Consolodation Calculator

Should you consolidate your debt? Use this calculator to find out.

Debt Consolodation Calculator
Loan Comparison Calculator

Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options.

Loan Comparison Calculator

Insurance Calculators

Checkbook Balancer

Balance your checkbook with this quick and easy calculator.

Amortizing Loan Calculator
Home Budget Analysis

Analyze your budget, see where your money goes and find out where you can improve!

Home Budget Analysis
Net Worth

This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.

Net Worth
Student Budget

This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.

Student Budget

Mortgage Calculators

Amortizing Loan Calculator

Enter your desired payment – and let us calculate your loan amount. Or, enter in the loan amount and we will calculate your monthly payment!

Amortizing Loan Calculator
Credt Line

How big a line of credit can you receive? Use this calculator to find out!

Credit Line
Debt Consolodation Calculator

Should you consolidate your debt? Use this calculator to find out.

Debt Consolodation Calculator
Loan Comparison Calculator

Use this calculator to sort through the monthly payments, fees and other costs associated with comparing loan options.

Loan Comparison Calculator

Mortgage Calculators Continued

Checkbook Balancer

Balance your checkbook with this quick and easy calculator.

Amortizing Loan Calculator
Home Budget Analysis

Analyze your budget, see where your money goes and find out where you can improve!

Home Budget Analysis
Net Worth

This calculator helps you determine your net worth. It also estimates how your net worth could grow (or shrink!) over the next ten years.

Net Worth
Student Budget

This calculator is specifically designed to help students understand their expenses and income while attending a university, college or other full-time educational institution.

Student Budget

Delayed Opening- All Offices 

Published 2/5/2025

Due to the impending inclement weather, all offices of Woodlands Bank will open at 10:00 AM on Thursday, February 6, 2025. This decision was made with the safety of our employees and customers in mind.
We apologize for any inconvenience. Thank you for your understanding.

Important Notice

Published 01/16/2025

All offices of Woodlands Bank will be closed February 17th, 2025 in observance of Presidents’ Day. We will be back to normal hours on February 18th, 2025.

Important E-Statement Information

We would like to inform you that our e-statement customers will not receive a special paper statement on October 4, 2024. This statement will continue as an e-statement. With access to e-statements being unavailable during our upgrade weekend along with the delay of this e-statement being made available to you through Online Banking, we wanted to provide you with options available to you to receive your statement.
If you would like to receive a copy of your paper statement recapping your account activity from your last normal statement issued through Friday, October 4, 2024, please do one of the following:
On or after October 7, 2024:

  • Call us at 570.327.5263 to request a paper statement be mailed to your address.

  • Visit your local branch to request a paper statement.

System Upgrade Important Information

Published 10/4/2024

Our System Upgrade will begin today, Friday, October 4, 2024 and continue throughout the weekend. Please see below for important times.
Online and Mobile Banking will be unavailable starting at 6:00 PM today, and will be unavailable until the afternoon on Monday, October 7, 2024. Please make note of your balances and plan for your cash needs during the System Upgrade. Your debit card will continue to work normally throughout the upgrade weekend.
Mobile Check Deposit will be unavailable starting at 3:00 PM today. Checks can still be deposited by visiting your local branch until 5:00 PM today.
Bill Pay will be unavailable starting at 4:00 PM today. All bills schedule for payment prior to this will process according to when they are set to be paid.
All offices will be closing at 5:00 PM today and will be closed on Saturday, October 5, 2024.
Please visit https://woodlandsbank.com/system-upgrade/ for all updates.
We look forward to growing your experience with us!

Important Notice

Change in Branch Hours

We want to inform you that we are making some changes to our branch office hours. These changes will go into effect on January 1, 2024. Our primary reason for changing our hours is to allow our employees to have a better work-life balance. In-turn, this allows us to better retain our excellent employees which results in even higher standards of customer service that our customers know and love.

View New Hours

We understand that our new hours may affect some of our customers’ normal routines and for that we truly apologize. We recognize change like this can be hard.

  • $1000.00 daily minimum balance to earn interest & avoid a $5.00 monthly service charge.

Qualifying Requirements include:

  • At least 1 bill pay or ACH payment transaction
  • At least 12 debit card purchases

Note: Enrollment in e-Statements is required in order to open a High Interest or Cash Rewards checking account.

IRA Management

Changing jobs or retiring can be an exciting step in your life, but figuring out what to do with your retirement plan and other retirement assets can be confusing. Woodlands Bank Trust & Asset Management Services is here to assist you in making the right choice and will help you to achieve your long-term retirement goals.

Institutional Investment Management

Companies or organizations that hold funds or other assets can rely on Woodlands Bank Trust & Asset Management Services to assist them in managing their resources for long-term benefits. We will provide investment management during a period of time or into perpetuity.

Charitable Investment Management

Non-profit organizations that hold funds or other assets from charitable donations can utilize Woodlands Bank Trust & Asset Management Services to invest those funds for long-term benefits. We will provide investment management during a period of time or into perpetuity.

Executor & Estate Settlement Services

Choosing a qualified executor is essential to the timely and efficient administration of an estate. Our estate settlement services include acting as:

  • Executor
  • Agent for Executor

Estate & Financial Planning Services

The most common mistake in financial planning is not having a plan—having a strong financial and estate plan is vital to your financial health. We will work with you and your estate attorney to craft a plan for your unique needs.

Asset Management & Custodial Services

We will work with an individual to design a portfolio to fit their specific needs and objectives. Our duties will be determined by the type of account chosen.

  • Investment Management Accounts
  • Institutional Investment Accounts
  • Custody Account

Personal Trust Services

A trust permits an individual to carry out personal and financial objectives while providing protection for themselves and their family. The trust agreement sets forth the wishes of the individual, and it is the trustee’s responsibility to carry out those wishes. As a trustee, we will provide impartial advice and counseling for beneficiaries, investment management of the trust assets, continuity of management and a full accounting of all transactions. We offer:

  • Living Trusts
  • Testamentary Trusts (Trusts Under Will)
  • Life Insurance Trusts
  • Special Needs/Situations (Guardianships, Charitable)
  • Agent for Trustee

 

Treasurer's Checks

A Treasurer’s check is drawn on the bank’s own funds and signed by a bank employee. These checks are treated as guaranteed funds because the bank, rather than the purchaser, is responsible for paying the amount. They are commonly required for real estate and brokerage transactions. There is a small fee for these checks and they are only issued to bank customers.

Wire Transfers

Wire transfers help move money electronically from one person to another, domestically and internationally. This is an effective, safe way to transfer funds between banks. For a small fee, our customers can quickly send payments to others. The cutoff time is 1PM for International wires and 2PM for Domestic wires each business day.

Safe Deposit Box

A safe deposit box is located inside a bank vault and is used to store valuables. A financial institution rents out safe deposit boxes, and they can be accessed with keys. For a small annual fee you can safely store your important papers, etc. You can access your box during the bank’s normal operating hours.

Notary Services

In the United States, a Notary Public is a person appointed by a state government and whose primary role is to serve the public as an impartial witness when important documents are signed. This service is available at each office of Woodlands Bank and is only available to bank customers.