Why should I choose WSB over the mega-banks that seem to offer everything?
At WSB we know that choosing a bank is an important decision. When you choose a community bank, you are choosing to put your hard earned money to work for your community. Mega-banks use your deposits to fund investments all over the country, placing little value on your home town. Coming to WSB is like coming home. WE specialize in knowing who YOU are and working closely with you to satisfy ALL of your banking needs.
Why is the amount of the purchase in my account activity different than the amount on the receipt?
An authorization amount may differ from the posted amount. Restaurant authorizations may vary based on tip. Gas stations authorize different amounts from the actual charge depending on how the card is processed. For example if you swipe your card as a credit transaction the gas station may pre-authorize $1.00 to verify that the card is open and active. If you swipe your card as a debit transaction the gas station may pre-authorize $75.00 (or more) to ensure that the amount of the sale is available. In either situation the pre-authorization hold will “fall off” when the actual transaction posts to your account.
Why did I receive an Overdraft Item Paid Charge or NSF Return Charge?
If there are not enough funds in your account to pay all of the transactions that need to be posted, you may be charged a fee.
If the Bank pays your items, the amount of the transactions will be debited to your account resulting in an overdraft and you may be charged an Overdraft Item Paid Charge of $36.00 for each item. If you participate in our Overdraft Privilege (ODP) you may only be charged a maximum of five charges each business day for a total of $180.
If the Bank returns your items, the amount of the transaction will not be debited to your account and you will be charged an NSF Return Charge of $36.00 for each item.
Your account may be assessed additional fees if it remains overdrawn. Please refer to the Schedule of Fees for additional information.
When will my deposit be available?
Your deposit is typically available on the first business day after your deposit is received. A business day is from 8:00am until 6:00pm.
What is a Routing Number and where can I find my full Account and Routing Number?
Routing numbers are nine digit numbers used in the United States to identify your financial institution. They can also be referred to as ABA numbers, banking routing numbers, transit numbers, and RTNs. These numbers appear on the bottom of negotiable instruments, such as checks, along with your personal account number and check number in what is called the MICR line.
Personal checks: On your WSB personal checks when reading the MICR line from left to right you will usually find the first nine digits to be the Routing Number; the next seven or eight digits will be your Personal Account Number; the remaining digits will be the Check Number, you can compare this number to the check number in the upper right corner of the check.
Business checks: On your WSB business checks when reading the MICR line from left to right you will usually find the first several digits to be the Check Number, you can compare this number to the check number in the upper right corner of the check. The next nine digits will be the Routing Number; the remaining seven or eight digits will be the Business Account Number.
WSB’s Routing Number is 111101306. Your WSB account number will always be seven or eight digits. If you do not have your check book handy, your personal or business account number can be found on your monthly statements near the upper right hand corner or you may call Account Services for assistance at (318)435-7535 or (318)435-9847.
What does WSB have to offer that other banks do not?
As far as products and services go, nearly every bank is the same. What WSB has to offer is it’s people. We have an outstanding staff that genuinely cares about our customers. Most of our staff are originally from the Franklin Parish and Richland Parish areas and have lived here all their lives. And speaking of longevity, WSB has been around for over 120 years. By now, we should be good at what we do!
What do I need to access the WSB Telephone Banking?
Using our WSB Telephone Banking will get you quick, easy, and secure account information. It’s available whenever you need it and there is no waiting. You may access account information as well as time and temp, banking hours and holiday closings, and weather.
Simply dial 1(318)435-4499 and the automated system will guide you through the process. On your first call you will need your account number and the last four digits of the social security number associated with the primary owner of the account. The telephone banking system will ask you to choose a four digit telephone banking personal identification number (PIN). On subsequent calls you will need your account number and your PIN.
Please note that your WSB Telephone Banking PIN and WSB Debit Card PIN are not the same and are not interchangeable.
What are the limits on my WSB Debit Card?
The daily withdrawal amount limit on your WSB Debit Card is $500.00. The daily Point of Sale (POS) amount limit is $3,000.00.
There may be times when the credit card payment network, on which debit card transactions are processed, is temporarily unavailable. These situations are beyond the banks control and for security reasons the daily Point of Sale (POS) amount limit is reduced to $200.00 until the network becomes available.
My debit card is about to expire, when will I receive a new card?
Your WSB debit card is valid until the end of the month and year embossed on the face of the card. Your debit card will automatically renew and be mailed to your address of record by the end of the month.
If I live in another part of the state or country or I move, how can I bank with WSB?
We have the latest in technology that puts your account information and your money right at your fingertips. With internet banking, mobile banking, debit cards, e-statements, bill pay and so much more, you can access your account from anywhere in the world.
I’ve heard a lot about security breaches lately, how secure is WSB from hackers and cyber attacks?
Our systems are protected by the latest in cyber security technology. Multiple layers of firewalls, authentication procedures, and system upgrades and monitoring should provide our customers with sufficient controls to ensure their peace of mind.
I see a transaction on my account that I don’t recognize. How can I dispute it?
If you see a transaction on your account that you do not recognize please call Account Services at (318)435-7535 or (318)435-9847 or come into the Main Office to speak with a Customer Service Representative.
If the transaction you don’t recognize is a debit card transaction you may also alert our Account Services staff by emailing [email protected]. We will then be in contact with you to proceed with the dispute process.
I see a debit card transaction pending on my account twice. Why is this and what do I do?
Some merchants will place a pre-authorization hold on your debit card to make sure you have enough funds to cover the transaction. They may remain pending on your account until the transaction has posted or until the hold time expires, usually five days, at which time the pre-authorized transaction will “fall off’. If you see two transactions have posted to your account please contact Account Services at (318)435-7535 or (318)435-9847.
I received my new debit card, but I have not received the PIN mailer. What should I do?
If your new card is a renewal of an existing card you will use your previous PIN. There is no need to create a new one.
If you are receiving a debit card for the first time and have not received your PIN mailer, please contact a Customer Service Representative at the Main Office or call (318)435-7535 for assistance.
PIN mailers typically arrive a few days after the card in plain unmarked perforated self-mailers.
Please note that your WSB Telephone Banking PIN and WSB Debit Card PIN are not the same and are not interchangeable.
Does WSB have online banking?
Yes we do! Conduct transactions from the safety and security of your own home. Online banking can be used to check your balance, make transfers, pay your loan, and so much more. Simply visit any of our four convenient locations to sign up or call our Internet Banking Department at (318)435-7535 for more information.
How can I protect myself against check fraud?
• Don’t give your checking account number to people you don’t know, even if they claim to be from the bank.
• Reveal checking account information only to businesses you know to be reputable.
• Report lost or stolen checks immediately.
• Properly store or dispose of canceled checks or images and guard new checks.
• Report inquiries or suspicious behavior to the bank.
• Do not leave your automated teller machine receipts at the ATM; it may contain account information.
• Check your bank statements carefully and often.
How can I protect myself against telemarketing fraud?
Ways to avoid becoming a victim:
• Don’t allow yourself to be pushed into a hurried decision.
• Always request written information, by mail, about the product, service, investment, or charity and about the organization that’s offering it.
• Don’t make any investment or purchase you don’t fully understand.
• Ask with what state or federal agencies the firm is registered.
• Check out the company or organization.
• If an investment or major purchase is involved, request that information also be sent to your accountant, financial advisor, bank, or attorney for evaluation and an opinion.
• Ask what recourse you would have if you make a purchase and aren’t satisfied.
• Beware of testimonials that you may have no way of verifying.
• Never provide personal financial information over the phone unless you are absolutely certain the caller has a bona fide need to know.
• If necessary, hang up the phone.
• If it sounds too good to be true, it probably is.
How do I change the address, phone number, or email address on my account?
You may change the address, phone number, or email address associated with your account by coming into any of our three convenient WSB locations and speaking with a Customer Service Representative or call our Main Office at (318)435-7535.
You may also change your address through internet banking. Simply sign in, then click the tab labeled Customer Service, select Requests & Messages, then on the left side of the screen select Change of Address. You will be directed to enter your new address and confirm the accuracy.
How do I order checks?
It’s easy to order checks . Login to our Online Banking System, go to the Customer Service Tab, Click on Request & Messages. The Reorder Checks option is on the left side of the page. Checks ordered through Online Banking will be of the style previously ordered.
You may also come into any of our five convenient WSB locations and speak with a Customer Service Representative or call our Main Office at (318)435-7535.
How do I place a Stop Payment Order on a check or pre-authorized payment?
You may place a Stop Payment Order on a check you have issued or pre-authorized payment (ACH debit) on your account by coming into any of our three convenient WSB locations and speaking with a Customer Service Representative. You may also call our Account Services Department at (318)435-7535 or (318)435-9847.
Please have ready the following information:
For checks: Your account number; the date the check was written; the check number; the payee; and the amount.
For pre-authorized payments (ACH debit): Your account number; the approximate date the item should post; the payee as it appears on your statement; and the amount.
In general, if your Stop Payment Order is given to us in writing it is effective for six months and will lapse after that time if you do not renew the Stop Payment in writing before the end of the six months. If your Stop Payment Order is given to us verbally, it is effective for 14 calendar days and will expire after that time if you do not confirm in writing during that time period.
All Stop Payment Orders must be received in time to give us a reasonable opportunity to act on it before our stop payment cutoff time. A Stop Payment Order on checks are not effective if, either before or within 24 hours from the time when the Stop Payment Order was requested WSB cashes the check or has become otherwise legally obligated for its payment. WSB will assume no responsibility if any information provided is incorrect or incomplete and would cause the check or pre-authorized payment to be paid (i.e., incorrect check number, date, account number, amount, or payee information).
I did not Opt-In to authorize and pay overdrafts on my ATM and everyday debit card transactions. Why did I have a debit card transaction post and cause an overdraft to my account?
Debit card purchases are approved and declined based on the funds available at the time of the transaction. These authorizations are not changed if the funds later become unavailable. For example, a cash withdrawal or outstanding paper check may post at the end of the business day, causing an overdraft when the debit card transaction posts. There will be no Overdraft Item Paid Charge for these items if you have not Opted-In for coverage.