Beware of opening a checking account with WoodForrest Bank. Their brochure and their employees will tell you that you have immediate availability of your deposits. The truth is you only have immediate availibility of cash deposits that you make. If you deposit a check into your checking account, they will put a hold on it for 5-11 days and if you write any checks or use your debit card while the hold is on your money, you will be charged $32.00 for each transaction.