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Frequently Asked Questions

Follow the links below to quickly find answers to the questions our customers ask most frequently. If you don’t find what you need here, please contact us the way that is most convenient for you.

Online and Mobile Banking

How do I sign up for Online Banking?

You can sign up online at Select "Register" and follow the instructions. 

Is it possible to transfer funds from one bank to another?

Yes. Log into Online Banking and go to Settings > Accounts and select Link an External Account. Add the external bank information and click Save. Please read the onscreen information for additional instructions.

How do I set up an External Account?

Log into Online Banking and go to Settings > Accounts and select Link an External Account. Add the external bank information and click Save. Trial deposits and a withdrawal will be sent to your external account. To verify the trial deposits of a new external account, go to the Dashboard page in Online Banking and click Confirm on the notification. Once confirmed, you can start transferring funds between your Wauchula State Bank account and your external account.

What are the fees for an external transfer?

There is no fee for transferring funds into the bank. There is a $2 fee for transferring money to an external account outside of Wauchula State Bank.

Why do I see security questions when I log into Online or Mobile Banking?

You are asked security questions when you log in using an unfamiliar device or when you incorrectly enter your username.

If I get a temporary password, how long do I have to change it?

Your temporary passcode is good for 24 hours and must be changed in that time.

Is my Username or Password case sensitive?

Usernames are not; however, passwords are case sensitive.

How do I reset my Password?

Simply enter your username and click Log In. Next click on the Forgot Password link located next to the password area and follow the on-screen instructions. Or, you may call Customer Engagement at 844-287-4225. Your password is case sensitive, must be at least 8 characters long, contain at least 1 numeric, 1 uppercase letter and 1 lower-case letter.

What is Mobile Banking?

Mobile Banking gives you access to your accounts from your mobile web browser or a downloadable Mobile Banking application, depending on your preference and your phone capabilities. Both options allow you to: view account balances, search recent account activity, transfer funds between your Wauchula State Bank accounts and/or accounts you have at other financial institutions, view check images, and find the nearest ATM or branch locations. Customers can also deposit checks via mobile banking. Some exceptions may apply.

Is Mobile Banking available for businesses?

Yes, Mobile Banking is available to the company’s Master Users as well as all Sub-Users.

How do I install the downloadable application?

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

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How much does this service cost?

There is no charge associated with the service. However, there may be charges associated with text messaging and data usage on your phone. Check with your wireless phone carrier for more information.

Is Mobile Banking secure?

Yes, the mobile banking service utilizes best practices from online banking, such as HTTPS, 128-bit SSL encryption, Username and Password access and application time-out when your phone is not in use. Only the phones that you personally enroll in the service can access your accounts. In addition, no personal information or account data is ever stored on your phone once a Mobile Web banking or Mobile Application session has ended. And in the event your phone is lost or stolen, the service can be immediately disabled by either going online to the Mobile Banking enrollment website or by calling Customer Engagement at 844-287-4225 during regular business hours.

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Online Statements

What are Online Statements?

Online Statements are the electronic version of the paper statements you receive periodically for your checking and savings accounts. They include the same information that is included in your paper statement, such as canceled check images, legal notices, and the back page of your statement.

How many statements are available through Online Banking?

You can access up to two years of statements via Online Banking.

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Mobile Check Deposit

What is Mobile Check Deposit

With Mobile Check Deposit, eligible and enrolled customers can deposit checks through our Mobile Banking app.

How do I start using Mobile Deposit Capture?

Access the iPhone or Android app and click on 'Deposit Check.’ Please note you must be eligible to use this service.

Why am I unable to deposit my check?

Some reasons why your check may not be accepted through Mobile Check Deposit are:

  • The check has already been submitted
  • The type of check is not accepted
  • Check is of bad quality (torn, folded, etc)
  • Front image is not legible
  • Amount entered does not match the amount on the check
  • Routing and account numbers are unclear
  • Image is too dark or blurry
  • Lack of proper signature and/or endorsement

Is there a fee to use Mobile Deposit?

The bank does not currently charge a fee for Mobile Check Deposit. Standard data fees from your mobile provider apply. Per item fees may apply for commercial mobile check deposit customers.

What do I do with my checks after I make a deposit?

It is recommended that you keep the original checks for 7 days. Store the checks in a secure location, and do not attempt to redeposit them. The Bank may request the original check. After 7 days, we recommend that you safely destroy the deposited checks.

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Bill Pay

How do I enroll for Bill Pay?

To pay your bills online:

  • Log in to Online Banking
  • Select ‘Bill Pay” widget
  • Review Fees and Terms of Use (there is no fee to use the Bill Pay service)
  • Check the box “I Agree” and click Continue
  • You will then be ready to set up payees and pay bills online

Who can I pay through Bill Pay?

Almost any person or company you would normally mail a check to as long as it is payable in the United States. We recommend that payments to government agencies, such as your property taxes, etc. not be paid via Bill Pay.

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Person-To-Person Payments

Is there a fee to send or receive money from person to person?

There is a $1 fee to send money from person to person. There is no fee for payments received through person-to-person transfers.

Do I have to share my bank account number or other personal information to send money?

Neither you nor the recipient has to share any personal information.

Is there a maximum limit to how much money I can send at once?

Yes, there is a limit of $1,000 per day. Person-to-person transfers will be considered part of your overall daily limit of $1,200 in point-of-sale transactions using your card.

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Automated Telephone Banking

What is Automated Telephone Banking?

Automated Telephone Banking is a 24-hour service that you can use to check account balances, transfer funds among your Wauchula State Bank  accounts, make loan payments or to see if a specific check has cleared. The telephone number  to access this service is: 


How do I enroll in Automated Telephone Banking?

Click here for step-by-step instructions. 

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What is Wauchula State Bank’s routing number?

Our bank routing number is 063104927. This is also Wauchula State Bank's ABA number.

Do you offer safe deposit box services?

Yes. Please contact us at 844-287-4225 or talk to a Personal Service Representative at any of our convenient branch locations for more information.

What are your wire instructions?

Receiving Bank:
Wauchula State Bank
106 East Main Street
Wauchula, Florida 33873
ABA Number: 063104927
Phone: 863-773-4151

For Credit To:
Customer Name
Physical Address
Account Number

How does your overdraft transfer work?

The balance in the account from which funds will be transferred must have sufficient funds to cover all insufficient items plus a $2 transfer fee. 

You may sign up for our Automatic Transfer Service for overdraft protection. With this service, funds are transferred from your savings to your checking account when there is not enough money in your checking account to cover your transaction. 

The transfer fee is only $2 per day, regardless of the number of items being covered. We transfer the exact amount necessary to cover the overdraft and let you know when a transfer has been made.

Can I use my savings account for overdraft transfer?

Yes. You may use your savings account for Automatic Transfer Service for overdraft protection.

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Our Hours

What are your lobby and drive-thru hours?

Click here for a complete list of our locations and hours.

What are your bank holidays?

We are closed on the following U.S. federal holidays:

New Year’s Day, January 1*

Martin Luther King, Jr., Day, third Monday of January

President’s Day, third Monday of February

Memorial Day, last Monday of May 

Independence Day, July 4* 

Labor Day, first Monday of September 

Columbus Day, second Monday of October

Veteran’s Day, November 11* 

Thanksgiving Day, fourth Thursday of November 

Christmas Day, December 25*

*When the holiday falls on a Sunday, it is usually observed on the following Monday.

What are your daily cutoff times?

ATM Deposits (Winter Haven only)

4:00 p.m.



3:00 p.m. Outgoing Domestic and International Wires

3:00 p.m. Incoming Wires

Account Transfers and Loan Payments:

4:00 p.m. Online Banking Transfers to External Accounts

5:30 p.m. Telephone Transfers and Loan Payments

7:30 p.m. Online Banking Transfers and Loan Payments

7:30 p.m. Automated Telephone Banking Transfers and Loan Payments

Mobile Check Deposit:

5:00 p.m.

Bill Pay:

4:00 p.m. Bill Payment (electronic and check)

Cash Management:

4:00 p.m. ACH Origination

11:00 a.m. (midday) Business Express Deposit

4:00 p.m. (end of day) Business Express Deposit

5:00 p.m. Positive Pay

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Apple Touch ID

What is Touch ID?

Touch ID is Apple’s fingerprint authentication technology. You will be able to choose if you want to use a fingerprint instead of your username and password to access your Wauchula State Bank mobile banking app.

What devices can Touch ID be used on?

Touch ID is an Apple-specific feature. Currently, Touch ID is available for iPhone 5S and higher, running iOS 8 or above. The mobile app also supports the fingerprint ID for Android users.

How does Touch ID work?

Touch ID allows you to log into the Wauchula State Bank mobile app with fingerprints that are enabled on your mobile device. Once Touch ID is enabled for the mobile app, you place your finger on the home button and the device reads the fingerprint to confirm it is an authorized fingerprint. When your fingerprint is confirmed, you are automatically signed into the app.

Does Touch ID prevent other users from getting into my account?

When you enable Touch ID log on, any fingerprint stored on your device—now or in the future—can be used to log into the Wauchula State Bank app. You should only enable Touch ID if you are the only person who has registered fingerprints on your device. You can add or remove fingerprints in your device settings. You can disable Touch ID at any time in the Settings menu of the Mobile Banking App.

How can I enable Touch ID?

If you already have Touch ID enabled on your device, you will be prompted to set up Touch ID the next time you log into the Wauchula State Bank mobile app.

You can enable Touch ID from the Settings menu on the left panel of your Wauchula State Bank app.

Will Touch ID work if I don’t have fingerprints enabled for the Touch ID on my device?

No. Fingerprints must be added to your device within the Settings menu of your iPhone.

Will a password be required when using Touch ID?

No. Once Touch ID is enabled, your fingerprint is the only required login credential.

If the device doesn’t recognize my fingerprint, can I still access my account?

Yes. You always have the option to log in using the four-digit PIN enabled at the time the fingerprint login was established, or simply click “Cancel” when the app asks for your fingerprint and type in your username and password.

What if my Touch ID enabled device is lost or stolen?

If your mobile device is lost or stolen, and/or you feel your log on credentials may have been compromised, please call Wauchula State Bank immediately. We also recommend that you contact your wireless service provider to have your device deactivated.

What if I don't want to use Touch ID anymore?

You can disable Touch ID in the Settings menu of the Mobile Banking App.

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Debit Cards

What is the daily withdrawal limit at the ATM?


How do I report a lost or stolen Visa® Debit Card?

You may report a missing card by calling us at 844-287-4225 during business hours. We will assist you in canceling your card. If it is after business hours, please call 800-528-2273 or 1-812-647-9794 (internationally). Or call the BANKLine24 at 800-407-6782 and follow the prompts.

What are the transaction limits for a Visa® Debit Card?

Personal Debit Cards:
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

Business Debit Cards:
With your PIN: 20 transactions per day or $2,500 per day
Without your PIN: 20 transactions per day or $5,000 per day
Cash advance: 5 per day or $1,000 per day

What are the locations of your ATMs?

The Wauchula office has both a walk-up and a drive-up ATM. Bowling Green, Fairmount, Lake Jackson, and Lake Placid all have a drive-up ATM, and the Winter Haven branch has a walk-up ATM. You also have access to more than 50,000 surcharge-free ATMs nationwide, including more than 3,000 in Florida. Find the location most convenient for you.

Additional Surcharge-Free ATMs
Remember, you may use your Wauchula State Bank Visa® Check Card at all Publix Presto ATMs without charge. We also have reciprocal agreements with Englewood Bank & Trust, Crews Bank & Trust, and Charlotte State Bank & Trust so that you may use their ATMs without incurring a foreign ATM withdrawal fee.

How do I activate my new Visa® Debit Card?

You can activate your new Visa Debit Card by calling 866-642-0450 and following the prompts.

How do I report a lost or stolen Visa® Debit Card?

You can report a lost or stolen Visa® Debit Card by calling 800-528-2273 or 812-647-9794 (internationally). Or you can always call our Customer Engagement team during business hours at 844-287-4225.

What happens if my card is frozen due to suspected fraud?

If your card is frozen, you call 1-800-528-2273 or 1-812-647-9794 (internationally) from 9 a.m. to 9 p.m. or 1-877-230-3179 from 9 p.m. to 9 a.m. Or you can always call our Customer Engagement center during business hours at 1-844-287-4225.

Can I use my Visa® Debit Card outside the United States?

Yes, you may use your card outside the United States. We do, however, recommend that you contact us at 844-287-4225 whenever you are traveling and using your debit card, whether within or outside of the country, so we can update our fraud department with that information.

What happens if an unauthorized debit or charge appears on my account?

If an unexpected transaction appears on your account, contact Wauchula State Bank immediately at 844-287-4225 or stop by any Wauchula State Bank office. After business hours, please contact the 24-hour hotline at 1-866-664-9364.

Where can I find surcharge-free ATMs in my area?

Find ATMs closest to you or download our Mobile Banking iPhone or Android app. Click on “Locations” and search for the closest surcharge-free ATM by clicking on the icon.

Why is the gas station charging me a larger dollar amount than I am pumping?

The gas station does not know how much gas you intend to purchase when you first use your card to pay at the pump. It estimates an amount and then makes an authorization request for that amount to ensure that you have that much in your account before it lets you pump gas. The actual amount on your receipt is what will be debited from your account.

Can I change my card's PIN?

Yes. You can change your PIN number at any time by calling 1-877-265-9594 or 1-859-488-4130 (internationally).

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What are Wauchula State Bank’s Debit Card Alerts?

Debit Card Alerts are information sent to your cell phone when card transactions occur on your debit card.

How do I enroll for Debit Card Alerts?

Debit Card Alerts are set up through MobiMoney™. Download the app from either the App Store or Google Play. Then follow the instructions presented in the User’s Guide. Or, if you need further assistance, we’re happy to help. Call a Customer Service Representative at 844-287-4225.

What if I have multiple cards? How can I get set up?

If you have multiple cards on your account, each user will have to separately register their card through MobiMoney™. Each user will be able to establish their individual alert preferences and other controls. When receiving notices, the last four digits of the card will appear in the alert so you know to which card it belongs.

Is the MobiMoney app different than the Wauchula State Bank mobile banking app?

Yes. MobiMoney can be downloaded free of charge from your app store and is designed to give you control of your debit card.

Are alerts sent in real time or will there be delays in receiving them? If so, what is the delay?

Most alerts are sent in real time. There may be a delay in some cases depending on how the merchant processes its transactions.

How do I set up MobiMoney?

Setting up MobiMoney is as easy as downloading the app and following the prompts when you click on “New User.” Then follow the instructions presented in the User’s Guide.

What if I need help setting up MobiMoney?

For your convenience, we have prepared additional FAQs to help you set up MobiMoney. or our Customer Engagement team is available to help. Call us at 844-287-4225.

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Consumer Loans

Do you do debt consolidation loans?

Yes. We will work with you to determine what best meets your individual borrowing needs.

Do you make automobile loans?

Yes. We lend for new and used vehicles, as well as for boats and motorhomes.

Do you offer home equity lines of credit?

Yes, based on the equity that you have in your home. Our personal bankers can assist you with this type of loan.

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Can I apply online?

Wauchula State Bank is a community bank that believes in personalized service. Instead of applying online, we want you to talk to a real person who can listen to your individual needs.

Our local lenders are committed to providing you with the expert advice and personal service you deserve.

Do you offer fixed- and adjustable-rate loans?

Yes. Click here for more information.

Can I have my loan payment automatically debited from my checking account?

Yes. Click here to see the various loan payment options.

Do you require a minimum credit score to apply for a loan?

Your credit history carries a lot of weight when underwriting a loan. We analyze your entire credit history as part of our credit decision. We offer options for those with less-than-perfect credit.

How long before I know if I am approved?

While the actual timing varies according to the type of loan for which you are applying, our experienced lenders strive to make the process as quick and easy as possible.

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Business Loans

Do you offer business loans?

Yes. We offer loans for business owners with fast and local decisions.

What kinds of loans do you offer?

We provide commercial financing for real estate, lines of credit, expansion expenses, and more!

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Residential Real Estate Loans

If I am purchasing a new home, do I need to have a contract before applying for a loan?

No. We can complete a prequalification to determine the loan amount and product that best suits your needs.

Do I need to have a checking or savings account at Wauchula State Bank in order to apply for a mortgage loan?

No. We do not require either. We are glad to work with applicants that are new to Wauchula State Bank.

I received a bill for my property taxes but I thought this was included in my monthly loan payment?

If your property taxes are escrowed on your loan, you may still receive a statement from the county tax collector, but Wauchula State Bank will automatically pay this for you each year from your escrow account. Please contact us if you have questions or are not sure if your taxes are escrowed.

I received my monthly billing notice and my payment has increased. Why did it go up?

If your property taxes or your homeowner’s insurance are escrowed on your loan, it is possible that one of those payments increased and your monthly loan payment was adjusted to cover the additional cost. If you have an Adjustable-Rate Loan, it is also possible that your interest rate changed, causing an increase in your payment amount. Feel free to contact us for additional information.

Do you require that I have mortgage insurance on my loan?

If you finance more than 80 percent of the appraised value of your home, mortgage insurance may be required and added to your monthly payment amount.

Is a home inspection required for a new home purchase?

Wauchula State Bank does not require a home inspection, but you may choose to have an inspection on the property you want to purchase.

Will I receive a copy of my appraisal?

Yes. If we order an appraisal to determine a property’s value, we will promptly give you a copy of the appraisal even if your loan does not close.

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