Services

Offering an experience crafted by what is important to you.

Kid and Father on ground planting a tree together in a open field and treeline in the distance

Wealth Management

The wealth Management service is here for those clients who want active planning and account management in one location. We can create a custom financial plan as well as manage your investment and retirement accounts for you. Building custom portfolios geared towards the long-term goal and plan.

Utilizing this approach to our wealth management service we can ensure the experience you have is tailored to what is important to you, your needs, and your financial future.

We focus our wealth management on:

  • Tax Efficiency Investing
  • Diversification1
  • Risk Management
  • Goal Prioritization

1Diversification is a method of controlling risk. It does not assure a profit or the avoidance of loss.

Retirement
Income

Planning and strategy for retirement income and lifestyle, cash flow, and evaluating retirement income strategies for sustainability considerations.

Advisory
Account

Managed and custom designed portfolios aligned with yor financial plan. Utilizing risk management to stay disciplined along the investment strategy.

Estate
Planning

Ongoing work with your estate attorney to align your accounts with your estate plan to help you establish and structure your legacy.

Tax
Strategy

Tax-aware strategies designed to help manage tax exposure over time.

Pricing

Fees are based on assets under management. AUMs are not blended, as assets increase up, the fee would move to the next tier.
Fees are billed quarterly to your investment account.
Assets Under
Management
$0 - $1,250,000
$1,250,001 - $5,000,000
$5,000,000 - $10,000,000
$10,000,001 - $25,000,000
$25,000,001+
Annual
Fee
1.00%
0.80%
0.70%
0.60%
Negotiable

Other products such as annuities, life insurance policies and long-term care policies have their own provisions, return potential and cost associated with purchasing from the given provider.

*All Investments Involve Risk, Including Possible Loss of Principle, No Strategy Can Guarantee Results.

Fees are based on assets under management and do not include custodial fees, transaction charges, product-level expenses, or other costs, which may apply. Actual fees may vary based on account type, services provided, and applicable agreements. All fees will be fully disclosed prior to engagement.

Financial Planning

We look at the complexities that you will face throughout your financial journey and come up with strategies to help you work towards your financial goals both short-term and long-term.

We will meet on an annual basis to review actionable items and help you stay on track toward your financial goals. Through ongoing planning, we adjust the strategy as needed to reflect changes in your circumstances, needs, and priorities over time.

Not all needs stay the same for the next 20, 30, or 40 years with makes ongoing planning so important.

We focus our financial planning on:

  • Assets & Liabilities
  • Cash Flow Management
  • Investment/Brokerage Accounts
  • Retirement Accounts
  • Tax Planning Strategies
  • Estate Planning
  • Charitable Giving Plan
  • Retirement Income Planning

Key Focuses & Actionable Items for Your Ongoing Planning Needs

Financial Goals

Continued review, adjustments and accountability to help keep you focused on what is important to you.

Investment Strategy

Devising an investment strategy with the long-term plan at focus. Ensure the custom designed portfolio fits with your overall financial plan.

Estate Planning

We work with your attorney or refer you to a professional who can help you establish and structure your legacy.

Tax
Planning

Ongoing tax planning that will look to focus on and optimize your tax bill and help you keep more of your hard earned money.

*All Investments Involve Risk, Including Possible Loss of Principle, No Strategy Can Guarantee Results.

Employer Sponsored Retirement Plans

Working with some of the top employer plan providers in the industry, we are able to build, design, and manage a plan that fits your business needs, an employer plan should be a tool for your business to help with growth, tax benefit, and benefit your employees as well. When you have a strong employee retention, boosted morale, and increase in overall business performance

Having the Right Empoyer Plan In Place and Help Your Business Grow

Plan Design

We work with top plan providers to design a plan that benefits no only the busines but the employees as well. A strong employeer plan can be a game changer for your business. Investments are only a portion of the plan design, not the whole thing.

Education

Providing you and your employees a resource that can help with understanding the ins-and-outs of the plans, benefits for each participant, building a retirement contribution strategy, plus the need for a plan moving forward to help maximize the overall benefit of a retirement plan.

Plan Monitoring

With each plan there needs to be some assistance in monitoring the plan to check for potential liability issues that could hurt the business. Some plan providers off 3(16) and 3(18) services with can help cover and reduce liability exposure for the business and plan sponsors.

Service

Partnering with a local advisor and an industry leading plan provider you will have the white glove service avaialable. A focal contact point locally but also a service team at the provider that can be there for you and the business owner and your employees when you need it.

No one plan can fit all businesses. We review the needs of the business first and what will benefit both the business and their empoyees. From there we can tailor the service and plan to fit the business.

*All Investments Involve Risk, Including Possible Loss of Principle, No Strategy Can Guarantee Results.

To open this CD, visit any of our eight branches

Who Should Be Nominated?

Nominated individuals should be a deserving non-paid individual who provides countless hours of volunteerism and support to a local non-profit. Nominated by the non-profit, the individual will not only represent their personal accomplishments and giving, but also provide the non-profit with the chance to showcase their efforts throughout the community. The person submitting the nomination must be involved with the organization.

Early Closing- All Offices 

Published 12/26/2025

Due to the impending inclement weather, all offices of Woodlands Bank will close at 1:00 PM on Friday, December 26, 2025. This decision was made with the safety of our employees and customers in mind.
We apologize for any inconvenience. Thank you for your understanding.

Important Notice

Published 12/31/2025

All offices of Woodlands Bank will be closing at 3pm December 31st and closed January 1st, 2026 in observance of  the New Year. We will be back to normal hours on Friday January 2nd, 2026. View all normal branch hours here.

Important E-Statement Information

We would like to inform you that our e-statement customers will not receive a special paper statement on October 4, 2024. This statement will continue as an e-statement. With access to e-statements being unavailable during our upgrade weekend along with the delay of this e-statement being made available to you through Online Banking, we wanted to provide you with options available to you to receive your statement.
If you would like to receive a copy of your paper statement recapping your account activity from your last normal statement issued through Friday, October 4, 2024, please do one of the following:
On or after October 7, 2024:

  • Call us at 570.327.5263 to request a paper statement be mailed to your address.

  • Visit your local branch to request a paper statement.

System Upgrade Important Information

Published 10/4/2024

Our System Upgrade will begin today, Friday, October 4, 2024 and continue throughout the weekend. Please see below for important times.
Online and Mobile Banking will be unavailable starting at 6:00 PM today, and will be unavailable until the afternoon on Monday, October 7, 2024. Please make note of your balances and plan for your cash needs during the System Upgrade. Your debit card will continue to work normally throughout the upgrade weekend.
Mobile Check Deposit will be unavailable starting at 3:00 PM today. Checks can still be deposited by visiting your local branch until 5:00 PM today.
Bill Pay will be unavailable starting at 4:00 PM today. All bills schedule for payment prior to this will process according to when they are set to be paid.
All offices will be closing at 5:00 PM today and will be closed on Saturday, October 5, 2024.
We look forward to growing your experience with us!

Important Notice

Change in Branch Hours

We want to inform you that we are making some changes to our branch office hours. These changes will go into effect on January 1, 2024. Our primary reason for changing our hours is to allow our employees to have a better work-life balance. In-turn, this allows us to better retain our excellent employees which results in even higher standards of customer service that our customers know and love.

View New Hours

We understand that our new hours may affect some of our customers’ normal routines and for that we truly apologize. We recognize change like this can be hard.

  • $1000.00 daily minimum balance to earn interest & avoid a $5.00 monthly service charge.

Qualifying Requirements include:

  • At least 1 bill pay or ACH payment transaction
  • At least 12 debit card purchases

Note: Enrollment in e-Statements is required in order to open a High Interest or Cash Rewards checking account.

IRA Management

Changing jobs or retiring can be an exciting step in your life, but figuring out what to do with your retirement plan and other retirement assets can be confusing. Woodlands Bank Trust & Asset Management Services is here to assist you in making the right choice and will help you to achieve your long-term retirement goals.

Institutional Investment Management

Companies or organizations that hold funds or other assets can rely on Woodlands Bank Trust & Asset Management Services to assist them in managing their resources for long-term benefits. We will provide investment management during a period of time or into perpetuity.

Charitable Investment Management

Non-profit organizations that hold funds or other assets from charitable donations can utilize Woodlands Bank Trust & Asset Management Services to invest those funds for long-term benefits. We will provide investment management during a period of time or into perpetuity.

Executor & Estate Settlement Services

Choosing a qualified executor is essential to the timely and efficient administration of an estate. Our estate settlement services include acting as:

  • Executor
  • Agent for Executor

Estate & Financial Planning Services

The most common mistake in financial planning is not having a plan—having a strong financial and estate plan is vital to your financial health. We will work with you and your estate attorney to craft a plan for your unique needs.

Asset Management & Custodial Services

We will work with an individual to design a portfolio to fit their specific needs and objectives. Our duties will be determined by the type of account chosen.

  • Investment Management Accounts
  • Institutional Investment Accounts
  • Custody Account

Personal Trust Services

A trust permits an individual to carry out personal and financial objectives while providing protection for themselves and their family. The trust agreement sets forth the wishes of the individual, and it is the trustee’s responsibility to carry out those wishes. As a trustee, we will provide impartial advice and counseling for beneficiaries, investment management of the trust assets, continuity of management and a full accounting of all transactions. We offer:

  • Living Trusts
  • Testamentary Trusts (Trusts Under Will)
  • Life Insurance Trusts
  • Special Needs/Situations (Guardianships, Charitable)
  • Agent for Trustee

 

Treasurer's Checks

A Treasurer’s check is drawn on the bank’s own funds and signed by a bank employee. These checks are treated as guaranteed funds because the bank, rather than the purchaser, is responsible for paying the amount. They are commonly required for real estate and brokerage transactions. There is a small fee for these checks and they are only issued to bank customers.

Wire Transfers

Wire transfers help move money electronically from one person to another, domestically and internationally. This is an effective, safe way to transfer funds between banks. For a small fee, our customers can quickly send payments to others. The cutoff time is 1PM for International wires and 2PM for Domestic wires each business day.

Safe Deposit Box

A safe deposit box is located inside a bank vault and is used to store valuables. A financial institution rents out safe deposit boxes, and they can be accessed with keys. For a small annual fee you can safely store your important papers, etc. You can access your box during the bank’s normal operating hours.

Notary Services

In the United States, a Notary Public is a person appointed by a state government and whose primary role is to serve the public as an impartial witness when important documents are signed. This service is available at each office of Woodlands Bank and is only available to bank customers.