We have the services you need to run your business smoothly, and we have the experts to assist with questions regarding our Business Service Products. Best of all, we set up your services, and we’re tech support. You will only have to call one place to get the job done, Welch State Bank!
Being the Boss just got easier!
Business Banking Services
CASH MANAGEMENT | Setup Payroll for your Business!
Cash Management is a service within online banking that gives business customers the ability to create an Automated Clearing House (ACH) entries, Electronic Funds Tax Payment System (EFTPS) and Wire Transfer requests. ACH entries are often used for direct deposit of payroll but can be used for many other purposes such as direct collection of monthly membership fees, moving funds to and from other institutions, and payment remittance. Transactions can be occasional, variable recurring, one-time, fixed reoccurring, and all can be either debit or credit entries.
Because of security requirements and sensitive nature of the information you transmit, you must be pre-authorized to use these services.
DIRECT MERCHANT | Make Deposits from your office!
Direct Merchant is often referred to as Remote Deposit Capture. This service gives you the ability to deposit checks from the convenience of your office! This service is not only convenient; it can save you time and money by limiting the trips necessary to make your deposits. There is no equipment to buy and we assist you in installing a small check imaging device.
Important Note: You cannot deposit cash via Direct Merchant. There may be fees associated with the use of this product. Welch State Bank provides the scanning device and retains ownership in the scanning device for the length of the service. You retain the original scanned checks for 90 days then destroy them. The deposit will be credited in accordance with our Funds Availability Policy.
CREDIT CARD MERCHANT | Accept Card Transactions at your Business!
It’s hard to run a business if you cannot accept credit or debit cards. We can help! Businesses incur big losses in accepting checks due to fraud and returned checks. Merchant Services can help you control your risks and improve cash flow.
If you run a business, chances are you have been approached by salespersons offering a credit card merchant package that is too good to believe. When you compare apples to apples, we will be more than competitive.
For more information on this great service, please contact us at 918-544-9100 and ask to speak with Jay Victor, Tina Tristan, or Teresa Patrick. Or email us at help@welchstatebank.com.
Banking On The Go
Online Banking
Online Banking is safe, secure, FREE and is never closed. It’s Banking at your fingertips!
It is a real-time system, so you can see up-to-the-minute account activity. Enjoy paying your bills online for FREE, reordering checks, managing balance transfer requests, set up recurring bills to be paid automatically, paying your Welch State Bank loan, viewing account history, and digitally viewing check images. Bank at the speed of you!
Optional free business bill pay, wire requests, reordering checks, Electronic Federal Tax payment System (EFTPS) payment, and download transactions into Quicken or QuickBooks Pro.
Mobile Banking
It’s like having a Welch State Bank branch at your fingertips! Mobile Banking safe, convenient, FREE* and it’s never closed. Bank anytime, anywhere!
Mobile banking with Welch State Bank will allow you to check you account balance(s) and easily search your transitions, transfer funds between your accounts, make payments on your Welch State Bank loans, find nearby branches and ATM’s, and deposit checks with the snap of a picture.
*Standard mobile web fees may apply. Please contact your mobile carrier for more information. *Third Party Message, Data or ISP fees may apply.
Mobile Check Deposit
Not able to make it to a branch location? No problem! All you need is our Mobile App to snap a picture and it’s done. Snap. Send. Deposit
Deposit checks easy, right from our app! Call today to get this amazing feature activated!
Standard check limit is $5,000 for a rolling 7-day period. Any checks deposited must be endorsed with the words For WSB Mobile Check Deposit Only. We recommend a 90-day waiting period before you destroy any Mobile Check Deposit images via secure disposal method.
*Standard mobile web fees may apply. Please contact your mobile carrier for more information. *Third Party Message, Data or ISP fees may apply.
Text & Voice Banking
Retrieve balances and review transaction history via text message*. You can setup Text Banking through your online banking account.
If you don’t have Internet access, you can still access your account balances, transfer funds, and obtain transaction history by phone. VoiceAccess utilizes the latest voice recognition technology so you only need to speak your account numbers and personal identification numbers and the system will provide the requested information. The phone numbers are: Local: 918-788-BANK (918-788-2265) Toll Free: 1-888-42WELCH (888-429-3524) Need assistance? Email help@welchstatebank.com or call 918-544-9100 and ask for Online Banking Support.
*Standard mobile web fees may apply. Please contact your mobile carrier for more information. Third Party Message, Data or ISP fees may apply
A new way to pay
Simply add your Welch State Bank Debit Card to your mobile wallet and start making purchases at participating merchants in-store, online, in-apps, or anywhere contactless cards are accepted.
Premium Banking Features
Electronic Statements
eStatements are interactive and fully searchable. Save them, archive them or print them. There’s even an online reconcilement form for you to use! We can even set up online banking access for your staff and your accountants. You can limit how much information they can have access to. You can download them as an Adobe PDF and email them if you prefer. No more making copies and hand-delivering copies to the account.
All electronic statements contain the same information as our paper statements but are more secure because they can’t get lost in the mail. We keep a minimum of 5 years of eStatements available online for your convenience.
Try eStatements for yourself. Simply log in to Online Banking and click on the account you would like to receive and electronic statement. From there you will click on “Statements” on the right side and follow the instructions to enroll. Need assistance? Email help@welchstatebank.com or call 918-544-9100 and ask for Online Banking Support.
PopMoney
PopMoney is a service available as part of online bill pay that makes it possible to send money electronically to friends, family, or anyone else that you would pay with cash or check. All you need is their mobile phone number or e-mail address to get started and the recipient will receive funds within 1 business day after they accept the funds via Next-Day or Express Delivery or 3 days after they accept funds via Standard Delivery.
There is a flat fee of $0.55 per PopMoney transfer, with a $5.00 minimum transaction. For your protection, limits have been created on how much money and how many payments can be sent during various times periods. Click on the “View Limits” next to the “Amount” fields to view your available limits.
NotifyMe
Our online banking system can send you emails or send text alerts to your cell phone. You determine the threshold when you want to be notified for various account activities such as large transactions, low balances, or even if a particular check clears your account. We call this service NotifyMe, and it is included free of charge with our online banking services. Online Banking is ideal for business! It has all the above features plus more even more services to meet the special needs of a business. Need assistance? Email help@welchstatebank.com or call 918-544-9100
*Standard mobile web fees may apply. Please contact your mobile carrier for more information.
A New Way To Pay 
Add your WSB Debit Card to ApplePay, GooglePay, and SamsungPay today!
It’s a fast, easy, and safe way to pay!
Simply add your WSB Debit Card to your mobile wallet and start making purchases at participating merchants in-store, online, in-apps, or anywhere contactless cards are accepted.
Step 1
Open your phone’s Wallet App. Setup will vary from smartphone devices
Step 2
Add the card by entering your card details. Follow onscreen instructions to complete
Step 3
Start using your digital card at participating retailers, in store, and online. Ask us for more details!
Control Your Debit Card with CardValet
Protect Yourself Against Fraud
Track Card Using and Transactions
Set custom spending limits
Get the CardValet Mobile App Today
CardValet is a registered trademark of Fiserv, Inc. App store is a service mark of Apple Inc. Android, Google Play, and the Google Play logo are trademarks of Google Inc. Data charges may apply. Check with your mobile phone carrier for details.
Banking FAQs – Help by Product
We currently offer a variety of checking accounts so you can chose what best fits your needs. Click here to use our account selector to see what WSB checking account is best for you!
All Welch State Bank checking accounts come with free services! Free online banking, free bill pay, free mobile banking, and free mobile check deposit.
*Third Party Data, Messaging, or ISP fees from your phone provider may apply.
Our checking accounts have a $50 minimum deposit to open.
Yes, we can open personal checking accounts online. Please visit our homepage and click the “Open an Account” or click here, to submit your information to a New Account Representative.
There are no monthly service fees with our More Than Free Checking account! With this account you also receive free services, unlimited transactions, and there’s no minimum balance requirement.
*eStatements required. If you would like to have mailed paper statements, a $6.29 monthly service charge will apply.
Look at the bottom of your checks. The first nine-digit number on the left is the ABA routing number or bank routing number. Just to the right of the routing number is your account number.
Our routing number is 103104942. You can also find it at the top of our website banner.
There are a few ways you can request an order of Welch State Bank Checks for your account.
- You can order checks by calling any branch location and requesting an order
- Login to your Online Banking and request an order by clicking “Welcome ” the click, “All Services & Settings” Then under Quick Links click to submit a request to “Reorder Checks”
- Or you can email help@welchstatebank.com and we will contact you to complete your order.
The cost varies by type of account, quantity, and style of checks. Please call or visit any branch location for more information.
Yes! We offer Overdraft Privilege on our Checking accounts. Please call or visit any branch location for more information.
*This privilege is contingent upon credit approval.
Yes, we can open a personal savings accounts online. Please visit our homepage and click the “Open an Account” or click here, to submit your information to a New Account Representative.
No! There is not a monthly service charge for our savings accounts. However, there is limited monthly withdrawals. Any withdrawals over 3 per month will accrue a $2.29 service fee per withdrawal.
Yes. You may withdraw from your savings account at any time. You may even transfer funds from your Online Banking/Mobile App.
However, our savings account has limited withdrawals. You may have 3 withdrawals/transfers per month at no charge. After the third withdrawal/transfer transaction a $2.29 charge per withdrawal/transfer transaction fee will apply.
You may deposit as many times as you would like to your savings account. You may even transfer funds from your Online Banking/Mobile App.
However, our savings account has limited withdrawals. You may have 3 withdrawals/transfers per month at no charge. After the third withdrawal/transfer transaction a $2.29 charge per withdrawal/transfer transaction will apply
You begin earning interest on the day the account is opened. Interest will continue to accrue as long as a daily balance of $50.00 is in the savings account.
Interest is paid quarterly.
We do! Our Little Savers Savings Account is perfect for kiddos Birth to 12 years old, and it’s only $5.00 to open! It’s interest bearing and there’s no dormant fee.
Yes, we can open personal checking & savings accounts online. Please visit our homepage and click the “Open an Account” icon or click here, to submit your information to a New Account Representative. Once submitted a New Account Representative will contact you to complete the account opening process.
We offer competitive rates and terms from 30 days to 5 years to meet your savings needs. Please call or visit any branch location for current CD rates and to open your certificate of deposit.
Yes, we can start the loan pre-qualification process right from our website. Please visit our homepage and click the “Loan Pre-Qualification” icon or click here, to submit your information to a Loan Officer. Once your inquiry is submitted a Loan Officer, of your choice, will contact you as soon as possible.
If you would like to add someone to your account, please contact any branch location for more information. We have multiple ways we can complete this request for you.
A POD, also known as, Payable on Death, is someone you will designate at account opening to receive the funds from your account upon all owners death. The POD does not have access to your account while owners are living, and cannot receive information. It is simply a designation of who the funds will go to after all owners on the account are deceased.
*This definition is defined by Welch State Bank’s policies and procedures for POD(s) associated with our account types.
A POA, also known as, Power of Attorney, is a legal authorization that gives a designated person, termed the agent or attorney-in-fact, the power to act for another person, known as the principal. The agent may be given broad or limited authority to make decisions about the principal’s property, finances, investments, or medical care.
These documents are completed from an attorney’s office or at state level to confirm the POA for the principal. Once the principal is deceased, the POA is null and void, allowing the rights that were, no longer valid.
*This definition is defined by Welch State Bank’s policies and procedures for POD(s) associated with our account types.
Your Access ID & Passcode will be the same for both Online and Mobile Banking. You only have to enroll once.
- Visit our website at welchstatebank.com.
- Click the “Log In” box from the top right hand corner, then click “Apply Now”
- Next, simply complete the enrollment form and submit.
Your Access ID & Passcode will be the same for both Online and Mobile Banking. You only have to enroll once.
- First, make sure you have the WSB Mobile app downloaded to your phone.
- Once downloaded, you can “Enroll Now” from the home screen. This will direct you to complete the enrollment form and submit.
To recover your password, go to the Log In area on welchstatebank.com and click “Forgot Password”. On your mobile app, you can do so by tapping “Forgot Passcode” on the home screen. You will need your account number to complete the password reset.
Mobile check Deposit can be activated upon request, and approval. Please call or visit any branch location for more information.
Once you’ve signed in to Online Banking, you can access your account statements in a couple different ways:
- Got to welchstatebank.com, tap the Log In box and enter your username and password.
- From there you will tap the account you wish to view statements from, and tap the statements link on the right hand side.
- You will then be redirected to view your statements for the account you selected.
We currently do not have a way to view your eStatements from the mobile app. To view eStatements from your mobile device, please go to your phones browser, then to welchstatebank.com.
- Next you will tap the Log In box and enter your username and password.
- From there you will tap the account you wish to view statements.
- Then tap the ‘statements’ link on the right hand side.
- You will then be redirected to view your statements for the account you selected.
There are a few ways you can access your balance.
Online Banking
Sign in to Online Banking and enter your username and password. Once signed in, your account balances will be available online.
Mobile App
View account balances, transactions, transfer money from you mobile app.
Branches
Call or visit any branch location to view your account balance(s)
Online Banking
Log In to your online banking account. Once signed in, click the “Bills & Payments” tab from the top banner menu. You can add, create, and see pending and recent payments from this screen.
Mobile App
Log In to your mobile app. Then tap the Bill Pay icon at the bottom of the screen. You can pay previous or add new Bill Payees from the top right hand corner.
We currently do not have the ability to add/setup new external account(s) from our Mobile App. Once an account has been setup and verified, transfers can be initiated from our Mobile App.
First, we will need to setup the account you would like to use for external transfers, and verify, before we can create the first and following transfers.
- Log in to your Online Banking account via our website from your mobile browser or a desktop/laptop device.
- Once you are logged in, from the homepage you will tap the “Welcome ” drop down and then tap ‘All Services & Settings’
- Next, tap ‘Add External Transfer’ and agree to the ‘Terms and Conditions’
- Now you will setup all the external account info, and if this account can be used to transfer, To & From as well as the transfer maximum’s.
- Once complete you will then tap Submit.
Once the request is submitted you will need to watch your account for the micro-deposits. Loans will not have micro deposit verification.
Once your micro-deposits are posted, you will log in to your Online Banking account to verify the amounts.
- Log in to your Online Banking account via our website from your mobile browser or a desktop/laptop device.
- Once you are logged in, from the homepage you will tap the “Welcome ” drop down and then tap ‘All Services & Settings’
- Next, tap ‘below ‘Add External Transfer’ and tap ‘Validate external account(s)’
- Then enter the micro deposit amount to validate.
When this is complete the account will be attached and ready to create your transfer via your Online Banking account and your Mobile App.
To report your card lost or stolen please call: 1-833-225-7130. You may also call or visit any branch location.
You may call or visit any branch location for further assistance, or call: 1-833-225-7131 to report fraudulent charges on your debit card.
Before you leave on your trip, please contact any branch location to let them know where you will be traveling and when. We will update your card with your travel dates and destinations. This will assist our fraud department in knowing you are traveling and to not be suspicious of transactions during that time and location.
We monitor your debit and credit activity, and may place holds on your cards if we suspect fraudulent activity. Notifying us in advance of travel helps us to better determine if activity on your account is suspicious or not.
Enjoy the surcharge-free benefits of the MoneyPass ATM Network. To easily find convenient ATMs at moneypass.com or the download the mobile app.
A certificate of deposit (CD) is similar to a savings account. Money is deposited in a CD at a fixed interest rate and must remain there for a specific term that you choose. The term can be from 30 days to 5 years.
You can open with as little as $500.
We offer competitive rates and terms from 30 days to 5 years to meet your savings needs. Please call or visit any branch location for current CD rates and to open your certificate of deposit.
Penalties may apply to withdrawals made at any other time than during the grace period or maturity if the CD. Call or visit any branch location for specific penalties for your withdrawal.
*Early withdrawal penalty fees could reduce earnings on the account.
Before your CD matures we will send a notice to remind you of your maturity date, along with your current balance, current rate, and interest accrued.
At that time you can decide to withdraw all or part of the money, have it automatically renew for the same CD term at the interest rate that is being offered at maturity, or roll it over into a new CD term at the interest rate that is being offered at maturity. You can make a change on your maturity date or up to 10 days grace after your maturity date.
Yes, please call the number on the back of your card. If your card’s been lost or stolen, call 1-800-558-3424.
We offer a variety of credit cards with different rates and benefits. Whether you want to pay down balances faster, maximize cash back, earn rewards, or begin building your credit history, we have the card for you! Click here to view our credit card options.
You can apply online, right from our website. Click here to view credit card options and apply now.
*Credit decisions are made by a third party vendor, Elan Financial Services.
Applying online can be done in just a few easy steps that take about 15 minutes. The application process is easy, convenient and secure.
That will vary depending on the loan type you are requesting, but it’s easy to get the process started! Click here, to submit your information to a Loan Officer. Once your inquiry is submitted a Loan Officer, of your choice, will contact you as soon as possible.
It’s easy to apply. You can start the loan pre-qualification process right from our website. Click here, to submit your information to a Loan Officer. Once your inquiry is submitted a Loan Officer, of your choice, will contact you as soon as possible.
We have multiple ways you can make your Welch State Bank loan payment. You will receive loan payment coupon book after your loan is processed. You may mail in a payment from your loan booklet, visit any branch location, or call any branch location to make a payment over the phone.
When completing your loan documents we can have this information ready to go with your signature to complete.
If you have a loan and wish to now utilize automatic payments from your WSB account to your WSB loan, we can have this prepared for your signature. If your WSB loan is here and your account is at another financial institution, we can also complete this request. Please call any branch location to complete.
To change your payment due date on your loan, we will need to proceed with your loan officer. If you do not know who your loan officer is, that’s okay. Call any branch location and we will be able to get you with the right person.
Our current loan rates vary deposing on the type of loan you are requesting. Please contact a loan officer at any branch location to discuss further.
Our officers are equipped with the power to make quick decisions. Depending on the type of loan you are requesting, most decisions can be made same day.
Please call any branch location and we will direct you to loan officer for more information, or click here, to submit your information for a loan pre-qualification. Once your inquiry is submitted a Loan Officer, of your choice, will contact you as soon as possible.
We have multiple ways you can make a principal payment. You may mail in a principal payment, visit any branch location, or call any branch location to make a principal payment over the phone.
To defer a payment on your loan, we will need to proceed with your loan officer. If you do not know who your loan officer is, that’s okay. Call any branch location and we will be able to assist with your request and get you with the right person.
You may call any branch location to complete his request. Depending on your loan type this request may be submitted to another department to complete.
Once you have received your loan payoff amount, you can mail in your payoff, visit any branch location, or call any branch location to make your payoff over the phone. (over-the-phone payoff transactions depends on the loan payoff amount) Call any branch for more information.
Our loan officers are here to help with a loan pre-qualification so you can house shop with confidence. Use this calculator to help.
Don’t forget, when calculating your mortgage budget, you need to take into account homeowners’ insurance and property taxes. Those will both affect your budget monthly. If you are unsure of local property taxes, reach out to your real-estate agent with questions.
Certain loan programs have minimum credit score requirements, however others do not. Our officers will pull credit at your loan request before a credit decision is made, however, there are other qualifying factors our officers will take into consideration for your credit decision.