Wilson Bank & Trust

Wilson Bank & Trust is an independent, community-based bank in Middle Tennessee that offers personal and business banking services. The company describes its model as pairing the financial resources of a larger institution with the personal attention associated with a hometown bank, and it uses the tagline "Locally Grown, Locally Trusted." Community banks of this kind typically compete with national institutions by relying on local decision-making and long-standing relationships with households and businesses in their market.

For individuals, the bank offers savings accounts, personal checking, home loans, consumer loans and personal credit cards, and customers can open accounts online. For business and not-for-profit customers, it provides business checking, business loans and credit cards, treasury management, and online and mobile banking with cash management tools meant to help them manage cash flow. The company says its business bankers aim to understand each client's operations and offer customized solutions based on local market knowledge. Small and mid-sized organizations frequently turn to community banks for deposit, lending and payment services, often valuing direct access to a banker who knows their situation.

Beyond core banking, Wilson Bank & Trust runs a School Bank program that teaches students saving habits, and it gives teachers free financial resources, including Banzai, a self-grading tool that lets students practice managing money. The bank is a member of the Association of Military Banks of America and the Veterans Benefits Banking Program, is a member of the FDIC and is an Equal Housing Lender. FDIC membership means eligible deposits are federally insured up to applicable limits, and financial education programs like these are a common way for community banks to support the areas they serve.