Reasons for wab's TrustScore of 1%

The website wab.bank presents itself as the official online portal of West Alabama Bank (WAB), offering personal and business banking services, online banking, mobile deposit, bill pay, and other typical features of a community bank. On its “About Us” page the institution claims to have been founded in 1944 as the Bank of Reform in Pickens County, Alabama, and states it now holds assets of more than $913 million across fourteen full-service offices in ten counties. 

Despite these claims and the fact that the domain uses the “.bank” top-level domain, which is generally reserved for verified financial institutions, there are reasons to examine the legitimacy of the site carefully. For example, the site appears on with a note that the domain’s owner identity is hidden in the WHOIS database and traffic is rather low, though Scamadviser still reports an “average to good” trust score.

Additional Information about wab

While at first glance the site appears legitimate (valid SSL, appropriate domain TLD, realistic “About Us” section, and typical banking features), there are multiple reasons to treat it cautiously and consider the possibility that it may be a scam—or at least that it may present higher risk than a regulated, well-known international bank. Let’s unpack:

Legitimacy factors

1. The “.bank” domain suggests that the operator has undergone some verification by the registry (via fTLD) and meets certain domain security standards. This is a stronger indicator than many scam sites using generic domains.

2. The website content is detailed: it provides history (since 1944), physical address, service lists, calculators, security tips, etc. It includes disclaimers and a privacy policy. For example, the site says: “Your Security Matters to Us. Remember, West Alabama Bank will never ask for your password or personal information by phone, text or email.” WAB Bank+1

3. Their “About Us” page claims assets of over $913 million, and 14 full-service offices in 10 Alabama counties. That suggests a legitimate small regional bank. WAB Bank

Risk / scam-indicating factors

1. The hidden WHOIS registrant. While some legitimate banks choose to mask domain registration details, scam sites commonly do so to avoid traceability. The fact that Scamadviser flagged this is a caution. 

2. The low traffic volume and absence of widespread references or scrutiny outside of local/regional context. A truly global online bank accessible internationally would likely have more reviews, ratings, or coverage.

3. If you are a user in Nigeria (Lagos) or outside the U.S., your deposits may not be protected by U.S. regulatory regimes unless explicitly disclosed; the site does not clearly state international reach or deposit insurance coverage for non-US customers.

4. The possibility that the site is impersonating or making use of the name “West Alabama Bank” to appear credible while targeting unsuspecting online depositors from other countries. Many scams adopt names of legitimate local banks to lure users.

5. Use of banking-like features (mobile deposit, bill pay, etc) may give an illusion of full services, but unless the bank is registered in your jurisdiction or recognized by regulatory bodies there is risk of loss.

Conclusion of analysis

Because the site passes some legitimate checks (domain type, service presentation, contact info) yet fails or lacks strong public verification (transparency of ownership, regulatory clarity for international users, deposit insurance breakdown), the prudent assessment is that the site should be treated as high risk. Unless you personally verify that the bank is registered with relevant U.S. state and federal banking regulatory authorities, and that your deposits are protected, stepping into deposit or major transactions with this site may be dangerous. Given your belief it might be a scam, the evidence supports treating it with extreme caution.