Online Account Access

Personal Convenience Banking

Select a service:

Personal Online Banking more info More Info
Mobile Banking more info More Info
Online eStatements more info More Info
WSB Check Card more info More Info
BankLine 24 more info More Info
Wauchula State Bank offers services that help make your life easy and convenient.


Personal Online Banking

With Wauchula State Bank's Personal Online Banking, customers can access accounts from anywhere 24 hours a day, 7 days a week via the World Wide Web at

Having the ability to monitor your account at any time offers peace of mind like never before! It's fast, it's easy and best of all, it's free!

Learn more More Info

Here are some of the exciting features Personal Online Banking has to offer:

  • Obtain balances
  • View and print account history on all deposit and loan accounts
  • Transfer funds between your Wauchula State Bank accounts1,3
  • View loan status and make loan payments1,3
  • Order checks
  • Request Stop Payments on checks
  • View previous account statements
  • Send and receive secure messages to Wauchula State Bank through the Personal Online Banking system
  • Free bill paying2 Learn More More Info

Online Bill Pay is a convenient and safe way to pay your bills any time of the day or night. No need to worry about your checks getting lost in the mail and bills not being paid on time. With this user friendly service, you have the ability to schedule one-time payments or recurring payments, all with the click of a mouse! You can set up automatic payments for all your monthly bills and never have to write a check again. And it's FREE!

Paying bills on time has never been easier and setting up the program is easy. The first step is to sign up for Personal Online Banking. If you already have Online Banking, simply log into Online Banking and click on Bill Pay. Just follow the instructions and you're ready to go!

  • View pending transactions
  • Export transaction file to an accounting software (we are proud of being able to offer Direct Connect for your Financial Management software) 

Learn More about Quicken® Web Connect and Quicken® Direct Connect More Info

Wauchula State Bank offers you two options to download your account transactions: Web Connect and Direct Connect.

With Web Connect you can download your account transactions by logging into your Wauchula State Bank's Personal Online Banking and utilizing the Export File option.

Wauchula State Bank can make using your Quicken® even easier with Direct Connect capability. Direct Connect makes it possible to download your Wauchula State Bank transactions into your Quicken® register in one easy step. DirectConnect allows you to conduct all of your banking tasks within Quicken. No need to log into Personal Online Banking first in order to complete the extra downloading steps. Quicken connects to Wauchula State Bank and downloads information on your command.

1 All transfer and loan payment requests received before 7:30 p.m. on business days will be processed on the same business day, requests received after 7:30 p.m. will be processed on the next business day.
2 The availability of this feature is contingent upon the ongoing satisfactory operation of the checking account.
3 For Money Market Accounts: No more than six preauthorized withdrawals, automatic or telephone or internet transfers, checks, or drafts from your account per month or statement cycle allowed. Transfers and withdrawals made in person or by messenger are unlimited. A fee of $5.00 is charged for each item over six.
For Savings Accounts: Six withdrawals per month allowed ($1.00 fee per withdrawal over six) Unlimited Transfers over the counter/ATM.
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Mobile Banking

Stay Connected. Stay Informed. Take your account with you everywhere you go.

Mobile phones help us to stay connected in more than one way. With Wauchula State Bank's FREE1 Mobile Banking you can do your banking conveniently while on the go. It gives you instant connectivity to your accounts right at your fingertips. When you want account information, Mobile Banking can be the fastest way to stay in touch with your finances. We make it easy for you to securely check your account balances and transactions, transfer funds, pay your bills or locate our convenient branches and ATMS — anytime, anyplace.

We offer a number of mobile options, including Text Banking, Mobile Web, and Mobile App. Choose one or all three, whichever is right for you.  

Text Banking More Info

Your account information is never more than a text away with Wauchula State Bank's FREE1 Text Banking. Simply text one of the commands, like "B" (balance) or ?H? (history) to Wauchula State Bank's SMS short code 96865 and you will receive the information momentarily. 

Click here to view the list of our Text Banking commands. Convenient wallet-sized cards with Text Banking commands are available upon request at each of our branch locations.

Mobile Web More Info

This FREE1 service lets you access your Wauchula State Bank accounts from virtually any mobile device with a built-in browser. Check your account balance, review recent transactions, make one-time bill payments, transfer money between your eligible accounts and even locate the nearest branch or ATM from almost anywhere.2

Mobile App More Info

Smartphone owners - stay connected while on the go with our FREE Mobile App.1 Check your account balance, review recent transactions, make one-time bill payments, transfer money between your eligible accounts and even locate the nearest branch or ATM.2 If you have a supported mobile device, look for the Mobile App download link on Wauchula State Bank's Mobile Banking web site.

If you are an iPhone or Android user, go to the App Store or to Google play and search for Wauchula State Bank to download the bank's Mobile Banking application.  Or, for your convenience, you can click on the appropriate icon below to be directed to the app.


Ready to enroll for Mobile Banking?

It's quick, easy and FREE!

Simply sign up for Mobile Banking through your Wauchula State Bank Online Banking service. Once logged in, select User Services, then choose Mobile Enrollment. Not enrolled in Wauchula State Bank Online Banking? Simply click ENROLL PERSONAL or ENROLL BUSINESS from our home page. For more information, view our Frequently Asked Questions and Answers and go mobile today!

If you have any questions or need assistance, please contact customer service at     863-773-4151, contact us by e-mail at, or contact us via secure form!

If your phone is lost or stolen, sign on to Online Banking and disable your phone from Mobile Banking, or call customer service at 863-773-4151 for assistance. If you are concerned about misuse of your phone, contact your mobile service provider immediately to stop all wireless service. For tips how to bank safely on your mobile device read our Mobile Banking Safety Tips.

1 Wauchula State Bank does not charge for Mobile Banking. However, your cell phone provider may charge additional fees for web browsing and/or text messages. In order to use Wauchula State Bank Mobile Web Banking, the browser on your mobile device must be capable of storing cookies.
2 For Money Market Investment Accounts: No more than six preauthorized withdrawals, automatic or telephone or internet transfers, checks or drafts from your account each four week or similar period allowed. Transfers and withdrawals made in person, or by messenger are unlimited. A fee of $5.00 is charged for each item over six. 
3 For Savings Accounts: No more than six preauthorized withdrawals, automatic or telephone or internet transfers, checks or drafts from your account each four week or similar period allowed. Transfers and withdrawals made in person, or by messenger are unlimited. A fee of $1.00 is charged for each item over six.


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Online eStatements

Save Time, Stay Secure and Save Paper 

Online eStatements is a free, paperless option to managing your account activity and is a great way to keep your financial information secure while helping the environment. Online eStatements provide the same information as your paper statement with one difference – you receive them online through our Online Banking service.

With Online eStatements you can:

  • Quicker access to your statement than by mail delivery - Receive an e-mail reminder when each statement is available. 
  • Conveniently manage your account online - anytime, anywhere
  • Protect your personal information - Deter fraud and safeguard your financial data by receiving and storing your statements electronically
  • Environmentally friendly - save paper and reduce clutter
  • View, save or print up to 24 months of statements

Start enjoying the convenient benefits of Online eStatements today!  Sign on to your Online Banking service and select StatementClick on Electronic Only Statement Delivery and follow the easy on screen instructions.  You can enroll one or all of your accounts for Online eStatements.

Note: Signing up for Online eStatements will automatically discontinue your current statement delivery method — you can switch back to paper anytime!

Not enrolled for Online Banking yet? Simply click ENROLL PERSONAL or ENROLL BUSINESS from our home page. 

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Wauchula State Bank Check Card

Our VISA® Check Card gives you a fast and convenient way to buy the products and services you need. It allows you to withdraw funds from your checking account without ever having to write a check.

Your Check Card can be used wherever VISA® debit card is accepted, making every purchase as simple as using a credit card. Plus, your Check Card also functions as an ATM card. Need to deposit, withdraw, or transfer funds? No problem. Your Check Card gives you access to all of these services whenever you need them.

You may use your Check Card point-of-sale to purchase goods, pay for services, get cash back from a merchant (if the merchant permits), get a cash advance from a participating financial institution, and do anything that a participating merchant will accept.

Point-of-Sale frequency and dollar limitations:

  • With your PIN: 20 transactions per day or $2,500 per day
  • Without your PIN: 20 transactions per day or $2,500 per day
  • Cash Advance: 5 per day or $1,000 per day

ATM frequency and dollar limitations:

  • You may make 6 withdrawals per day
  • And may withdraw $600 per day

Lost or Stolen Check Card:

Contact us immediately at 863-773-4151 if you believe your card and/or PIN has been lost or stolen, or if you believe that an unauthorized transaction has occurred.

After normal business hours, please contact the 24-hour Hotline at 1-800-236-2442.

Debit Card Alerts:

With Wauchula State Bank Debit Card Alerts, you will be notified anytime you use your Wauchula State Bank Debit Card. This is a great way to keep track of your card activity.

What types of alerts are available? More Info

  • Funds Removed: Alert is sent when a debit transaction is processed using your debit card (Sample message: A $71.78 transaction just processed by Publix on card ending in 4321.)
  • Signature Transactions: When you do not use your PIN for a transaction using your debit card. This occurs when you select the “Credit” option on the terminal or if you sign a receipt. (Sample message: A $26.23 transaction just processed by Pizza Hut on card ending in 4321.)
  • Card Status Change: An alert will be triggered if the card status should change. Below are the possible card statuses:
    • Active
    • Temporarily Suspended (Hot Card)
    • Temporarily Suspended (Warm Card)
    • Not Activated (Card Activation)
    • Closed
  • Suspected Fraud: An alert will be sent if an unusual transaction or suspected fraudulent activity occurs. When this happens, the card is placed on a Hot Card status and cannot be used. The alert will request that the customer contact the bank for more information.

How will I benefit from this service? More Info

  • Receive Real Time Alerts:  When it comes to money these days, it pays to stay alert. Alerts arrive at your mobile device or e-mail almost as soon as they happen so you get notified within moments after the transaction occurred.
  • Reduce Fraud:  Debit Card Alerts can act as an early-warning system of possible fraudulent transactions. You will be notified within moments of a transaction taking place making it easy to monitor your accounts. If fraudulent activity ever takes place, you can act quickly to protect yourself and minimize potential fraud.
  • Nickname for Individual Cards:  If there are multiple cards on one account, each card can be assigned an individual nickname to help you identify which card you received the alert on.

Will I receive an alert for other types of account activity? More Info

Alerts are triggered by debit card activity only, not account activity. If you are interested in other types of alerts, please ask us about our Notify Me alerts available within Online Banking.

Is there a fee for this service? More Info

There is currently no cost for this added service. Standard wireless carrier text charges may apply. Check with your wireless carrier provider for details.

How can I sign up? More Info

Simply call us at 863-773-4151 and ask about Debit Card Alerts

How can I cancel the service? More Info

To stop receiving alerts, simply text “Stop” to 42265 and all subsequent alerts will be stopped. To resume receiving alerts, you must re-register

Still have more questions? Click here for more  Frequently Asked Questions

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Cordless phone

BankLine 24

Automated Telephone Banking that provides instant account information 24 hours a day. No matter where you go or what time it is, you can verify your account balance, see if a check has cleared and transfer funds among your Wauchula State Bank accounts.


Here is how BankLine 24 works:

  • Have your account number ready
  • Access BankLine 24 from any touch-tone phone
  • Listen carefully to the menu to select the account information you want to receive:

Balance inquiries
Transaction history
Transfer funds
Loan payments

Within seconds you will have the information you requested …confidentially!

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