I can’t access online banking. What should I do?
Western State Bank recently transitioned to new Online & Mobile
Banking platforms. Passwords were changed to a temporary password. If
you have not yet set up your new credentials please visit our step-by-step guide for how to log in.
If you already set up your new credentials please try the following:
First, check to make sure you are typing the correct user ID and password; your user ID must be typed in all lowercase letters,
and your password is case sensitive. As a security feature, your
account will be locked after three failed attempts. If this happens, and
if you're unable to reset your password on your own, please contact your local banking center to help you access your account. If you have any other issues, please contact us. We’d be happy to walk you through it!
What is required to open an account and how much do I have to deposit?
We require a minimum deposit of $250 to open an account. Please
visit your local banking center and be sure to bring your government
issued photo ID, social security card or ITIN card, and proof of address when setting
up the account.
Do you have cash back rewards?
Yes! Through Western Rewards, all Western State Bank personal debit
cardholders earn points for purchase, which can be redeemed for cash
back and more. Please visit our Western Rewards page
for all the details.
How do I sign up for your debit card rewards program?
All Western State Bank personal debit cardholders are already enrolled
and earning points for purchases! You do not need to sign up for the
program, but you will want to create an account on the Western Rewards
website so you can start tracking your points and redeem them for cash
back, merchandise, local gift cards, travel and more. Visit our Western Rewards web page
for all the details.
How can I view my debit card point balance?
What are your locations, hours and contact information?
We’re proud to offer banking centers in seven Western Kansas communities. View locations, hours and contact info on our Locations
On which holidays are you closed?
All Western State Bank locations are closed on the following holidays:
New Year’s Day; Martin Luther King, Jr. Day; President’s Day; Memorial
Day; Juneteenth; Independence Day; Labor Day; Columbus Day; Veteran’s
Day; Thanksgiving; and Christmas Day.
How do I apply for a loan?
You may visit us at any of our banking centers to fill out an
application. If you’re seeking a mortgage loan, you can start with our
convenient online mortgage application, accessible via the Mortgage
Do you have to have a social security number to open a bank account or to get a loan?
No. Western State Bank serves customers without Social Security Numbers
(SSN) by allowing them to use their Individual Taxpayer Identification
Number (ITIN) instead. Please contact us
for more information and to determine account qualification.
How much does it cost to exchange coins at Western State Bank?
Western State Bank does not currently charge a fee for exchanging coins,
even for non-customers. All of our western Kansas banking centers
exchange coins free of charge. Quick and convenient automatic coin
machines are also available in our Dodge City and Garden City banking
centers. Our 10% non-customer coin exchange fee may be reinstated at any
What online services are available?
Through Western State Bank’s online banking system, you can view your
balances, make transfers to and from accounts inside and outside of
Western State Bank, view e-statements, pay bills, make loan payments and
more. With our mobile app, you can also deposit checks!
How does Online Bill Pay work?
Online bill pay allows you to pay bills without ever having to write a
check. You can even set them up to be paid on a monthly basis. The funds
are automatically deducted from your checking account to the payee you
Is there a limit to the number of transfers I can make in a month?
It depends on the type of account. Savings or Money Market accounts are
limited to 6 withdrawals per month. Our checking accounts have unlimited
How can I get information about my account by phone?
We offer a complimentary service available any time of day called 24/7
Instant Access. It allows you to verify account balances, transfer
funds, make loan payments, and review checks and deposits by phone. Call
1-866-275-7763 (or 1-620-275-7763 if local to Garden City).
Are wire transfers possible to and from my checking account?
Yes. You may call or visit our banking centers to request a wire
transfer from your checking account. This service is not available
online. To wire money to your Western State Bank checking account, you
must initiate the process through the originating bank.
Where can I find my account number and/or routing number?
Our routing number is 101102865. Your account number and routing number
are located on the bottom of your checks. You may also find them on your
What are the fees for foreign currency?
The foreign currency fee is $27.
I’m traveling soon- what do I need to do to prepare?
Contact us prior to your trip departure and let us know what dates
you’ll be gone. We’ll put your card on “travel status” to avoid any
issues. Soon all Online and Mobile Banking users will have the option to
set travel dates on their own. Enroll in Online Banking
today to access this feature once it is available.
What is the limit on my mobile deposits?
Mobile deposits are limited to $10,000.00 per check.
Can I raise my mobile deposit limit?
You may be able to raise your limit, depending on the situation. Please
give us a call or visit your local banking center to inquire.
What is the ATM withdrawal limit?
ATM withdrawals are limited to $550 per day.
What is the daily spending limit on my debit card?
You’re limited to your available balance up to $2,000.
How can I exceed my daily debit card spending limit?
Exceptions to the $2,000 limit may be arranged. Please give us a call or visit your local banking center to inquire.