Important Information: Delayed Opening 2/6/25
All Branches Closed 2/17/2025
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Cash Rewards

Checking Account
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The Basics

With this account, we pay you to shop. Instead of paying for your checking account, this account actually pays you! Enjoy cash rewards on your everyday debit card purchases, with no category restrictions.

The Perks

3.00% Cash Rewards on Debit Card Purchases*
No Monthly Fees, No Minimum Balance
No Category Restrictions on Purchases

The Details

Qualification Requirements

Earning your refunds and cash rewards is easy! Just do a few simple things you probably already do. Enrollments must be in place and all of the following transactions and activities must post and settle to your Cash Rewards checking account during each Monthly Qualification Cycle.

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

Account Opening Requirements

Enrollment in e-Statements is required in order to open a Cash Rewards checking account

Didn't Qualify this Cycle? No Problem.

Even if you don’t meet these qualifications, don’t worry—your account is still free. You can get right back to earning your cash rewards the very next cycle that you qualify.

The Benefits

When your Cash Rewards account qualifications are met during a Monthly Qualification Cycle, the following rewards will be distributed to your account on the last day of the current statement cycle:
3.00% cash rewards on debit card purchases*
No category restrictions on purchases
Cash rewards earned on up to $300 in purchases monthly
Refunds on ATM fees, nationwide*
Link to a Saver savings account for easy savings
Earn up to $108 cash rewards per year, $9 per month*
No monthly service fee
Free MasterCard® debit card
No minimum balance to earn rewards
Free online banking with bill pay
Free mobile banking
No minimum deposit to open

Ready to Open Your Account?

Open Your Cash Rewards Checking Account Online, Quickly and Securely

Related Links

Monthly Qualification Cycles
View the Start & End Dates of Cycles
Saver Savings Account
The Perfect Compliment to Cash Rewards
Online Banking
Manage Your Finances Better

*ADDITIONAL TERMS

When your Cash Rewards qualifications are met during a Monthly Qualification Cycle, you will receive 3.00% cash rewards on up to a total of $300.00 in debit card purchases that post and settle to the account during that cycle period. A maximum of $9.00 cash rewards may be earned per Monthly Qualification Cycle. “Monthly Qualification Cycle” means a period beginning one (1) business day prior to the first day of the current statement cycle through one (1) business day prior to the close of the current statement cycle. You will also receive reimbursement of ATM fees imposed by other U.S. financial institutions up to an aggregate amount of $25.00 per Monthly Qualification Cycle. ATM fees will be reimbursed up to a maximum of $5.00 per ATM transaction. When Cash Rewards account qualifications are not met, no Cash Rewards payments are made and ATM fees are not reimbursed. Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. No minimum deposit is required to open the account. There are no recurring monthly maintenance charges or fees to open or close this account. At least twelve (12) debit card (PIN or signature based purchases accepted) purchases and one (1) ACH debit or bill payment must post & settle during the Monthly Qualification Cycle. Rates and rewards are variable and may change at any time after account is opened. Fees may reduce earnings. Contact one of Woodlands Bank’s Customer Service Representatives for additional information, details, restrictions, processing limitations and enrollment instructions.

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.