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16 17remove this line when One Click is ready --></head><body class="home"><div role="navigation"><div class="hidden-compliance" id="complianceMenu"><ul class="list-unstyled"><li><a href="/">Home</a></li><li><a href="#main">Skip to main content</a></li><li><a href="#footer">Skip to footer</a></li></ul></div><a class="hidden-compliance external" href="http://get.adobe.com/reader/" title="External link to download Acrobat Reader">Download Acrobat Reader 5.0 or higher to view .pdf files.</a></div> <div class="modal fade alert hidden-alert" id="alertModal" tabindex="-1" role="dialog" aria-hidden="true"><div class="modal-dialog" role="document"><div class="modal-content"><div class="modal-header"><div class="alert-close" data-dismiss="modal"><svg class="bs-icon" aria-hidden="true"><use href="#x-lg"></use></svg><span class="sr-only">Close alert</span></div></div><div class="modal-body"><div class="d-flex align-items-start"><div class="mr-2 iconWrap"><svg class="bs-icon" aria-hidden="true"><use href="#custom--flag"></use></svg></div><div data-content-block="alertCopy" data-content="content" data-editable="editable" class="alert-body"> <div><br></div> </div></div></div></div></div></div><div class="master-container"><header class="header"><span class="animatedCircle-topLeft" aria-hidden="true"></span><div class="header__inner"><div class="container"><div class="row justify-content-center"><div class="col-xl-10 col-lg-11 offset-xl-0 offset-lg-1 col-md-10 initialNav" id="fdicRow"><link rel="stylesheet" href="https://fonts.googleapis.com/css2?family=Source+Sans+3:ital,wght@1,400;1,600"><div class="fdic-banner"><div class="container"><div class="fdic-container"><div class="fdic-logo"><svg width="38" height="17" viewBox="0 0 38 17" aria-labelledby="fdicLogo"><title id="fdicLogo">FDIC Logo</title><g><path fill-rule="evenodd" clip-rule="evenodd" d="M8.79102 0.673615H13.9183C18.5271 0.673615 21.4825 3.66654 21.4825 8.34109C21.4825 13.5134 18.216 16.0328 13.0138 16.0328H8.79102V0.673615ZM13.5956 4.19475C13.4113 4.19475 13.1751 4.2251 12.8525 4.2251V12.5057C15.4564 12.5057 17.4613 11.413 17.4613 8.25614C17.4613 5.54248 15.8194 4.20082 13.5841 4.20082L13.5956 4.19475Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M37.3603 5.14182V1.0865C36.3305 0.61301 35.2172 0.375059 34.0938 0.388356C32.0639 0.322493 30.0956 1.12816 28.6402 2.6207C27.1847 4.11323 26.3669 6.16465 26.3741 8.30473C26.3741 12.8093 29.7673 16.1118 34.0131 16.1118C35.2019 16.1973 36.3828 15.8524 37.3603 15.1344V11.073C36.4505 11.779 35.3558 12.1713 34.2263 12.1961C33.1948 12.2257 32.198 11.8027 31.4739 11.0281C30.7497 10.2535 30.3632 9.19685 30.4068 8.11047C30.3706 7.02121 30.7578 5.96358 31.4788 5.18208C32.1997 4.40058 33.192 3.96287 34.2263 3.97015C35.3567 4.01174 36.4489 4.41161 37.3603 5.11754V5.14182Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M0 0.673615V16.0328H4.00964L4.03845 10.1563H7.93863V6.60483H4.06149L4.03845 4.22506H8.23244V0.673615H0Z" fill="currentColor"></path><path fill-rule="evenodd" clip-rule="evenodd" d="M21.9092 16.0328H25.9188V0.673615H21.9092V16.0328Z" fill="currentColor"></path></g></svg></div><span class="fdic-text">FDIC-Insured - Backed by the full faith and credit of the U.S. Government</span></div></div></div></div></div><div class="row justify-content-center"><div class="col-xl-10 col-lg-11 offset-xl-0 offset-lg-1 col-md-10 initialNav"><div class="d-flex flex-row justify-content-md-between justify-content-center align-items-center align-content-center flex-md-nowrap flex-wrap"><div class="header__left"><span itemscope="" itemtype="http://schema.org/BankOrCreditUnion"><span itemprop="name" class="sr-only">West Central Bank</span> <a href="/" class="logo" title="West Central Bank, Ashland, IL" itemprop="url"><span class="logotype" itemprop="image" itemscope="" itemtype="http://schema.org/ImageObject"><img src="/assets/img/west-central-bank.svg" class="large-logo" alt="West Central Bank" itemprop="url"> <img src="/assets/img/west-central-bank-small.svg" class="small-logo" alt="West Central Bank brand mark" itemprop="url"></span></a></span></div><div class="header__center align-self-lg-start"><nav class="navbar" aria-label="Primary"><div class="container"><div class="navbar-header"><button type="button" class="navbar-toggle collapsed btn btn-danger" data-toggle="collapse" data-target="#navbar-collapse" aria-expanded="false" aria-haspopup="true"><span class="sr-only">Toggle </span>Menu</button></div><div class="collapse navbar-collapse" id="navbar-collapse"><button class="close-navbar d-block d-lg-none"><svg class="bs-icon" aria-hidden="true"><use href="#custom--close"></use></svg><span class="sr-only">Close navbar on mobile</span></button><ul class="banno-menu menu-72d5509c-1a7d-11ed-8aae-0242756481a8"> 18 <li class="dropdown menu-category">
19 <span role="button" aria-expanded="false" class="category-item" tabindex="0">Banking</span> 20 <ul class="dropdown-menu"> 21 <li class="menu-internal"> 22 <a href="/banking/checking">Checking</a> 23 24 </li><li class="menu-internal"> 25 <a href="/banking/savings">Savings</a> 26 27 </li><li class="menu-internal"> 28 <a href="/banking/certificates-of-deposit">Certificates of Deposit</a> 29 30 </li><li class="menu-internal"> 31 <a href="/banking/trust-services">Trust Services</a> 32 33 </li><li class="menu-internal"> 34 <a href="/banking/business">Business</a> 35 36 </li><li class="menu-internal"> 37 <a href="/financial-calculators">Calculators</a> 38 39 </li><li class="menu-internal"> 40 <a href="/banking/fees">Fees</a> 41 42 </li><li class="menu-internal"> 43 <a href="/banking/other-services">Other Services</a> 44 45 </li><li class="menu-external"> 46 <a href="https://www.ordermychecks.com/login_a.jsp" target="_blank">Order Checks</a> 47 48 </li> 49 </ul> 50 </li><li class="dropdown menu-category"> 51 <span role="button" aria-expanded="false" class="category-item" tabindex="0">eBanking</span> 52 <ul class="dropdown-menu"> 53 <li class="menu-internal"> 54 <a href="/ebanking/online-banking">Online Banking</a> 55 56 </li><li class="menu-internal"> 57 <a href="/ebanking/estatements">eStatements</a> 58 59 </li><li class="menu-internal"> 60 <a href="/ebanking/mobile-banking">Mobile Banking</a> 61 62 </li><li class="menu-internal"> 63 <a href="/ebanking/debit-cards">Debit Cards</a> 64 65 </li><li class="menu-internal"> 66 <a href="/ebanking/remote-deposit-anywhere">Remote Deposit Anywhere</a> 67 68 </li><li class="menu-internal"> 69 <a href="/ebanking/billpay">BillPay</a> 70 71 </li><li class="menu-internal"> 72 <a href="/ebanking/person-to-person">Person-to-Person</a> 73 74 </li><li class="menu-internal"> 75 <a href="/ebanking/italk">iTalk</a> 76 77 </li><li class="menu-internal"> 78 <a href="/ebanking/stay-safe-online">Stay Safe Online</a> 79 80 </li> 81 </ul> 82 </li><li class="dropdown menu-category"> 83 <span role="button" aria-expanded="false" class="category-item" tabindex="0">Lending</span> 84 <ul class="dropdown-menu"> 85 <li class="menu-internal"> 86 <a href="/lending/meet-the-lenders">Meet the Lenders</a> 87 88 </li><li class="menu-internal"> 89 <a href="/lending/residential-real-estate">Residential Real Estate</a> 90 91 </li><li class="menu-internal"> 92 <a href="/lending/installment-loans">Installment Loans</a> 93 94 </li><li class="menu-internal"> 95 <a href="/lending/commercial">Commercial</a> 96 97 </li><li class="menu-internal"> 98 <a href="/lending/agricultural">Agricultural</a> 99 100 </li><li class="menu-internal"> 101 <a href="/financial-calculators">Calculators</a> 102 103 </li> 104 </ul> 105 </li><li class="dropdown menu-category"> 106 <span role="button" aria-expanded="false" class="category-item" tabindex="0">About</span> 107 <ul class="dropdown-menu"> 108 <li class="menu-internal"> 109 <a href="/about/history">History</a> 110 111 </li><li class="menu-internal"> 112 <a href="/about/contact-us">Contact Us</a> 113 114 </li><li class="menu-internal"> 115 <a href="/about/locations">Locations & Hours</a> 116 117 </li><li class="menu-internal"> 118 <a href="/about/holidays-and-hours">Holidays</a> 119 120 </li><li class="menu-internal"> 121 <a href="/about/eassist">eAssist</a> 122 123 </li> 124 </ul> 125 </li> 126 </ul><div class="search-top-wrapper"><button type="button" data-toggle="modal" data-target="#searchModal" class="toggle-search"><span class="search-open"><svg class="bs-icon"><use href="#custom--search"></use></svg></span><span class="search-close"><svg class="bs-icon"><use href="#custom--close"></use></svg></span><span class="sr-only">Toggle Search</span></button><div class="search-inner"><form method="GET" action="/search" data-parsley-validate=""><div class="form-group mb-0 d-flex flex-row justify-content-between align-items-center align-content-center"><label for="siteSearch" class="sr-only">Enter search terms</label> <input name="q" id="siteSearch" class="form-control mr-1" type="text" placeholder="What can we help you find?" data-parsley-required="true"> <button type="submit" class="search-submit"><svg class="bs-icon"><use href="#custom--search"></use></svg><span class="sr-only">Start Site Search</span></button></div></form></div></div></div></div></nav></div><div class="header__right"><div class="olb"><button type="button" class="toggle-login btn btn-default">Login</button><div class="olb__container" role="region" aria-labelledby="region--olb-title"><div class="olb__container-top d-flex align-items-center justify-content-between" id="region--olb-title"><span>Online Banking Login</span> <button class="close-olb" aria-label="Close Online Banking"><svg class="bs-icon" aria-hidden="true"><use href="#custom--close"></use></svg></button></div><div class="olb__container-body"><form id="loginForm" class="olb__login" autocomplete="off" data-parsley-validate="" method="post" action="https://my.westcentralbank.com/login"><div class="form-group special"><label for="olbUsername">Personal ID</label><div class="input-holder"><svg class="bs-icon"><use href="#person-fill"></use></svg> <input type="text" class="form-control" name="username" id="olbUsername" required=""></div></div><button type="submit" class="btn btn-default w-100">Login</button></form><div class="olb__links mt-15"><a href="https://my.westcentralbank.com/enroll" target="_blank">Enroll</a> <a href="https://my.westcentralbank.com/forgot" target="_blank">Forgot Password</a></div><div class="d-none" id="olbAccordion"><div class="card mt-3 remove-blank"><div role="button" id="olbCardName" class="card-header collapsed" data-toggle="collapse" data-target="#olbCollapse" tabindex="0" aria-controls="olbCollapse" aria-expanded="false"><div>Special Offers</div></div><div id="olbCollapse" class="collapse" data-parent="#olbAccordion" aria-labelledby="olbCardName"><div class="card-body"><div data-oneclick-widget="iframe" data-page="/login-promo"></div></div></div></div></div></div></div></div></div></div></div></div></div></div></header><div class="header-height" aria-hidden="true"></div><div id="main" tabindex="-1" role="main"><div class="bg-light"><h1 class="sr-only">West Central Bank</h1><div class="hero"><div class="container"><div class="row justify-content-md-start justify-content-center align-items-center"><div class="col-xl-5 offset-xl-1 col-md-6 col-sm-8 col-11"><div class="slider__hero__images-wrapper"><div class="smallBlueCircle canBePaused" aria-hidden="true"><div class="smallBlueCircle__inner"></div></div><div class="slider__hero__images" id="slideshow--images"><div class="slider__hero__images-slide remove-blank"><div data-content-block="heroImg1" data-content="content" data-editable="editable" class="content"> <div><img alt="Woman standing in front of lake with hands raised" src="/assets/files/hgEMnYaj/hero-trust-services.jpg" image-id="hgEMnYaj"></div> </div></div><div class="slider__hero__images-slide remove-blank"><div data-content-block="heroImg2" data-content="content" data-editable="editable" class="content"> <div><img alt="Young man using phone" src="/assets/files/AFyLlV5i/hero-mobile-banking.jpg" image-id="AFyLlV5i"></div> </div></div><div class="slider__hero__images-slide remove-blank"><div data-content-block="heroImg3" data-content="content" data-editable="editable" class="content"> <div><img alt="Young family in living room" src="/assets/files/kgtFb7TL/hero-mortgage-loans.jpg" image-id="kgtFb7TL"></div> </div></div></div><div class="largeYellowCircle canBePaused" aria-hidden="true"><div class="largeYellowCircle__inner"></div></div></div></div><div class="col-md-5 offset-md-1 text-md-left text-center"><div class="slider__hero__text" id="slideshow--text"><div class="slider__hero__text-slide remove-blank"><div data-content-block="heroText1" data-content="content" data-editable="editable" class="content"> <div> 127<h2>We Help You Navigate Your Finances</h2> 128<p><a href="/banking/trust-services" data-link-id="/banking/trust-services" data-link-type-id="page" class="" data-disclaimer-id="null" target="_self">Learn about Trust Services</a></p> 129</div> </div></div><div class="slider__hero__text-slide remove-blank"><div data-content-block="heroText2" data-content="content" data-editable="editable" class="content"> <h2>Wherever You Go, We're Right There With You.</h2> 130<p><a href="/ebanking/mobile-banking" data-link-id="/ebanking/mobile-banking" data-link-type-id="page" class="" data-disclaimer-id="null" target="_self">Do more with Mobile Banking</a></p> </div></div><div class="slider__hero__text-slide remove-blank"><div data-content-block="heroText3" data-content="content" data-editable="editable" class="content"> <div> 131<h2>Found Your Dream Home? We've Got It From Here!</h2> 132<p><a href="/lending/residential-real-estate" data-link-id="/lending/residential-real-estate" data-link-type-id="page" class="" data-disclaimer-id="null" target="_self">Explore Mortgage Loans</a></p> 133</div> </div></div></div></div></div><div class="belowHero text-md-left text-center"><div class="row d-flex justify-content-end align-items-center">
133<div class="col-xxl-1 offset-xxl-0 offset-md-7"><div class="slider__hero__navigation"><div class="slider__hero__navigation-dots"></div><div class="slider__hero__navigation-playpause"><button class="toggle-autoplay active" id="pause-slider"><span class="sr-only">Click here to stop the slider's autoplay feature</span></button> <button class="toggle-autoplay" id="play-slider"><span class="sr-only">Click here to start the slider's autoplay feature</span></button></div></div></div><div class="col-xxl-4 col-xl-5 offset-xl-0 offset-lg-7 offset-md-5 mt-xxl-0 mt-md-6 mt-4 text-right"><div class="heroButtons d-flex align-items-center justify-content-xxl-end justify-content-xl-start justify-content-center"><div data-content-block="heroButton1" data-content="content" data-editable="editable" class="content"> <div><a href="/opening-accounts" data-link-id="/opening-accounts" data-link-type-id="page" class="btn btn-primary " data-disclaimer-id="null" target="_self">Open an Account</a></div> </div><div data-content-block="heroButton2" data-content="content" data-editable="editable" class="content ml-2"> <div><a href="/lending/meet-the-lenders" data-link-id="/lending/meet-the-lenders" data-link-type-id="page" class="btn btn-info " data-disclaimer-id="null" target="_self">Apply for a Loan</a></div> </div></div></div></div></div></div></div></div><div class="iconsSection mt-9 pb-md-9 pb-4"><svg version="1.1" class="rightSideCircle wow animated" data-wow-animation="slideInRight" data-wow-duration="1s" aria-hidden="true" x="0" y="0" viewBox="0 0 100 282.9" xml:space="preserve"><g><circle cx="150" cy="141.4" r="139.5"></circle></g></svg><div class="container"><div class="row justify-content-center"><div class="col-xl-10"><div data-content-block="iconIntro" data-content="content" data-editable="editable" class="content remove-blank mb-xl-5 text-left text-md-left text-center"> <div> 134<h2>Find What You Need</h2> 135</div> </div><div class="slider__icon"><div class="slider__icon-slide remove-blank"><div class="slider__icon-slide__inner"><div data-content-block="iconSlide1" data-content="content" data-editable="editable" class="content textSpace"> <p><a href="/financial-calculators" data-link-id="/financial-calculators" data-link-type-id="page" class="" data-disclaimer-id="null" target="_self">Financial Calculators</a></p> 136<div>We have the tools you need to help you make financial decisions and prepare for the future.</div> </div><div data-content-block="iconSlideImg1" data-content="content" data-editable="editable" class="content iconSpace"> <div><img alt="Calculator icon" src="/assets/files/lEAtZNzJ/icon-calc-60px.png" image-id="lEAtZNzJ"></div> </div></div></div><div class="slider__icon-slide remove-blank"><div class="slider__icon-slide__inner"><div data-content-block="iconSlide2" data-content="content" data-editable="editable" class="content textSpace"> <div><a href="/about/locations" data-link-id="/about/locations" data-link-type-id="page" class="" data-disclaimer-id="null" target="_self">Locations & ATMs</a><br><br></div> 137<p><span>On the go and youâd like to stop by? Use our locator to find your nearest branch or ATM.</span></p> </div><div data-content-block="iconSlideImg2" data-content="content" data-editable="editable" class="content iconSpace"> <div><img alt="Locator icon" src="/assets/files/NlzMeAW8/icon-locator-60px.png" image-id="NlzMeAW8"></div> </div></div></div><div class="slider__icon-slide remove-blank"><div class="slider__icon-slide__inner"><div data-content-block="iconSlide3" data-content="content" data-editable="editable" class="content textSpace"> <p><a href="/about/contact-us" data-link-id="/about/contact-us" data-link-type-id="page" class="" data-disclaimer-id="null" target="_self">Contact Us</a></p> 138<p>Need to chat? Weâre here for you! Call, email or stop in. Weâd love to see you!</p> </div><div data-content-block="iconSlideImg3" data-content="content" data-editable="editable" class="content iconSpace"> <div><img alt="Old phone icon" src="/assets/files/3GD4t0IB/icon-oldphone-60px.png" image-id="3GD4t0IB"></div> </div></div></div><div class="slider__icon-slide remove-blank"><div class="slider__icon-slide__inner"><div data-content-block="iconSlide4" data-content="content" data-editable="editable" class="content textSpace"> <p><a href="/about/locations" data-link-id="/about/locations" data-link-type-id="page" class="" data-disclaimer-id="null" target="_self">Locations & ATMs</a></p> 139<p>On the go and youâd like to stop by? Use our locator to find your nearest branch or ATM.</p> </div><div data-content-block="iconSlideImg4" data-content="content" data-editable="editable" class="content iconSpace"> <div><img alt="Locator icon" src="/assets/files/NlzMeAW8/icon-locator-60px.png" image-id="NlzMeAW8"></div> </div></div></div><div class="slider__icon-slide remove-blank"><div class="slider__icon-slide__inner"><div data-content-block="iconSlide5" data-content="content" data-editable="editable" class="content textSpace"> <div><a href="/about/contact-us" data-link-id="/about/contact-us" data-link-type-id="page" class="" data-disclaimer-id="null" target="_self">Contact Us</a></div> 140<p><br>Need to chat? Weâre here for you! Call, email or stop in. Weâd love to see you!</p> </div><div data-content-block="iconSlideImg5" data-content="content" data-editable="editable" class="content iconSpace"> <div><img alt="Old phone icon" src="/assets/files/3GD4t0IB/icon-oldphone-60px.png" image-id="3GD4t0IB"></div> </div></div></div><div class="slider__icon-slide remove-blank"><div class="slider__icon-slide__inner"><div data-content-block="iconSlide6" data-content="content" data-editable="editable" class="content textSpace"> <p><a href="/lending/meet-the-lenders" data-link-id="/lending/meet-the-lenders" data-link-type-id="page" class="" data-disclaimer-id="null" target="_self">Meet the Team</a></p> 141<p>Our team is here to help you with all of your loan needs. Let us match you with the perfect loan!</p> </div><div data-content-block="iconSlideImg6" data-content="content" data-editable="editable" class="content iconSpace"> <div><img alt="Handshake icon" src="/assets/files/iRDmAZAx/icon-handshake-60px.png" image-id="iRDmAZAx"></div> </div></div></div></div></div></div></div></div><div class="mt-md-12 mt-4 gradientSpace text-light"><div class="gradientSpaceCircle wow animated" data-wow-animation="slideInUp" data-wow-duration="1s" aria-hidden="true"></div><div class="whitespace py-4" aria-hidden="true"></div><div class="gradientSpace-inner py-7"><div class="container"><div class="row align-items-center justify-content-center"><div class="col-md-4 offset-xl-1 col-sm-8 col-11 order-md-2 negativeTopOrbit"><div class="orbiting-circles"><div class="smallBlueCircle canBePaused" aria-hidden="true"><div class="smallBlueCircle__inner"></div></div><div class="orbiting-circles"><div data-content-block="orbitingSolo" data-content="content" data-editable="editable" class="content orbiting-circles-item"> <div><img alt="Two people pointing at computer screen" src="/assets/files/VfNh4iK1/wide-checking-accounts.jpg" image-id="VfNh4iK1"></div> </div></div><div class="largeYellowCircle canBePaused" aria-hidden="true"><div class="largeYellowCircle__inner"></div></div></div></div><div class="col-xl-6 col-md-8 offset-xl-1 order-md-1 text-md-left text-center mt-md-0 mt-3"><div data-content-block="rightHereText" data-content="content" data-editable="editable" class="content"> <h2>Find the Right Checking Account</h2> 142<p>Looking for a new checking account? Let us help you compare checking accounts and find the right one for you!</p> 143<p><br></p> 144<p><a href="/banking/checking" data-link-id="/banking/checking" data-link-type-id="page" class="btn btn-success " data-disclaimer-id="null" target="_self">Compare Checking Accounts</a></p> </div></div></div></div></div></div><div class="py-xl-13 py-9 rateCenter"><svg version="1.1" class="rightSideCircle wow animated" data-wow-animation="slideInRight" data-wow-duration="1s" aria-hidden="true" x="0" y="0" viewBox="0 0 100 282.9" xml:space="preserve"><g><circle cx="150" cy="141.4" r="139.5"></circle></g></svg><div class="container"><div class="row justify-content-center"><div class="col-xl-10"><div data-content-block="rateCenterIntro" data-content="content" data-editable="editable" class="content remove-blank mb-5 text-md-left text-center"> <div> 145<h2>Rate Center</h2> 146</div> </div><div class="row justify-content-center justify-content-xxl-start text-md-left text-center"><div class="col-xxl-9 col-md-12 col-sm-6 col-11"><div class="row"><div class="col-md-4 mb-md-0 mb-2 remove-blank"><div class="rates-row__box"><div data-content-block="rate1" data-content="content" data-editable="editable" class="content"> <div> 147<p class="big"><strong>15 Month FLEX CD</strong></p> 148<h3>2.27% APY</h3> 149</div> </div></div></div><div class="col-md-4 mb-md-0 mb-2 remove-blank"><div class="rates-row__box"><div data-content-block="rate2" data-content="content" data-editable="editable" class="content"> <div> 150<p class="big"><strong>30 Month FLEX CD</strong></p> 151<h3>2.37% APY</h3> 152</div> </div></div></div><div class="col-md-4 mb-md-0 mb-2 remove-blank"><div class="rates-row__box"><div data-content-block="rate3" data-content="content" data-editable="editable" class="content"> <div> 153<p class="big"><strong>60 Month CD</strong></p> 154<h3>2.52% APY</h3> 155</div> </div></div></div></div></div></div><div class="row mt-4 text-md-left text-center"><div 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