Menu Login

Online Banking

Help & Frequently Asked Questions

What is Online Banking?

Online Banking is an Internet-based service that provides you a safe and convenient way to do your banking. With Online Banking, you can view your account balances, transfer funds, view cleared items, send service requests to the bank and more

What can I do with Online Banking?

With Online Banking you can:

  • Check current balances on personal checking, savings, money market, Certificates of Deposit (CD), and business checking accounts.
  • Transfer funds between your accounts.
    View up to 12 months of account activity for your accounts.
  • View cleared items.

Send secure online customer service requests to:

  • Reorder checks.
  • Inquire about a specific transaction.
  • Inquire about opening a new deposit account.
  • Stop payment
  • Address change
  • Ask a technical question.
  • Send and receive secure messages or questions from customer service.

How much does Online Banking cost?

Online Banking is free of charge.

What do I need to enroll for Online Banking?

  • A deposit account with Washita State Bank
  • Internet access
  • One of the following recommended Internet browsers
  • Microsoft Edge (latest version)
  • Google Chrome (latest version)
  • An e-mail address

When can I use my Internet Banking Account?

Upon completion of the Internet Banking sign-up form, the Bank will review your information submitted within one (1) business day.  Upon approval, the next day you will receive an email notice from the Bank welcoming you to the Internet Banking system.

You may also sign-up for Internet Banking on-site during normal business hours.

After approval, access to your accounts is available 24 hours a day, 7 days a week.

How do I sign in?

  • GO TO
  • At the Online Banking Login click “Enroll”.
  • The Electronic Disclosure Consent Statement will appear and you will need to check the box “I have read the above disclosure, agree to the terms and would like to proceed with online registration.”  
  • Next the Internet Banking Agreement will appear.  You will need to check the box “I have read the above disclosure, agree to the terms and would like to proceed with online registration”
  • Next the Online Internet Banking Enrollment Form will appear.  You will fill this out and click continue.
  • The next screen will be where you create your user ID and password.
  • Once your application has been submitted and approved, you will receive an email to let you know.
  • It will be 24 hours before you can log into your account.
  • To setup/add account(s)
  • Select Contact Us
  • Under All Services & Settings click Add Account
  • Enter Account#, Nick name & Account Type-CKG, SVG, CD, IRA, or loan
  • Hit add account at the bottom of the page and confirm.

What if I forget my Online Banking Login ID or password?

If you forget your Login ID or password, you should call Customer Service at (580) 562-4871.

What kind of computer equipment and software do I need for Online Banking?

A computer, Internet access and a 256-bit encrypted browser - Latest version of Google Chrome or Microsoft Edge.

What should I do if my browser is rejected?

If you're using an older browser version that is no longer compatible with Online Banking you can go to the Google Chrome or Microsoft web sites and download a new browser version ( or We do not recommend that you download beta versions. Once you have completed the download and installation of the recommended browser, you can return to the sign in screen and sign in to Online Banking.

What security measures does Online Banking use?

Online Banking uses several different methods to protect your information:

All information within Online Banking uses the SSL (Secure Socket Layer) protocol for transferring data. SSL is encryption that creates a secure environment for the information being transferred between your browser and Washita State Bank.

At a high level, SSL uses public key cryptography to secure transmissions over the Internet. In practice, your browser will send a message via SSL to the bank's server. The bank responds by sending a certificate, which contains the bank's public key. Your browser authenticates the certificate (agrees that the server is in fact Washita State Bank's), then generates a random session key which is used to encrypt data traveling between your browser and the bank's server. This session key is encrypted using the bank's public key and sent back to the server. The bank decrypts this message using its private key, and then uses the session key for the remainder of the communication.

Secure Socket Layer (SSL) protects data in three key ways:

  • Authentication ensures that you are communicating with the correct server. This prevents another computer from impersonating Washita State Bank.
  • Encryption scrambles transferred data.
  • Data integrity verifies that the information sent by you to Washita State Bank wasn't altered during the transfer. The system detects if data was added or deleted after you sent the message. If any tampering has occurred, the connection is dropped.

Is Online Banking secure?

Yes. Washita State Bank is committed to making Online Banking safe and secure to provide you with peace of mind when you access your account information. To ensure the security of your account information, Online Banking also uses 256-bit SSL encryption.

To help protect your privacy while you are using the service, we will sign you out of the Online Banking service after 15 minutes of inactivity.

What does SSL mean?

SSL stands for Secure Socket Layer. This technology allows users to establish sessions with Internet sites that are secure, meaning they have minimal risk of external violation. Once inside the Online Banking site, you are secure through our use of SSL technology.

What is encryption?

Encryption is the scrambling of information for transmission back and forth between two points. A key is required to decode the information. When you request information about your accounts, the request is sent encrypted to Washita State Bank. The system decodes your request for information and sends it back to you in an encrypted format. When you receive it, your information is decoded so that you can read it. Because your account information is being transmitted between you and Washita State Bank, encryption protects your account information so it can't be intercepted and read by a third party.

What is 256-bit encryption?

There are basically two types of encryption: High and Standard. The difference between these types of encryption is the strength of capability. A High (256-bit) encryption is exponentially more powerful than the older (256-bit) encryption. High or 256-bit encryption means there are septillion possible keys that could fit into the lock that holds your account information, but only one that works for each time you bank online. Washita State Bank uses the highest level of encryption (256-bit) to ensure your online transmissions are secure.