Checking Accounts At Western State Bank

Manage your money with ease

Our personal checking accounts offer free direct deposit, free Online Banking and unlimited bill pay transactions, free mobile and telephone banking, and no limit on number of checks written. Plus, when you enroll in Online Banking and e-statements, you could be eligible to have your monthly service charges waived, depending on the checking account you choose. Regardless of your financial situation, we have a product to meet your needs. Check out our account options below. 

Youth Checking Accounts

With just $1 minors (younger than 18) can open a Western Connect checking account. Plus, when they enroll in Online Banking and eStatements, they could be eligible to have their monthly service charges waived. Learn more about our checking account options below.  View Youth Savings Account options

Western Connect
Minimum to Open $250
Minimum Balance $1
Monthly Statement Fee $3.50 (can be waived)
Tiered Interest No
*Account Details
Western Plus Checking
Minimum to Open $250
Minimum Balance $1,000 (to earn interest)
Monthly Maintenance Fee $9 (can be waived)
Tiered Interest Yes*
*Account Details

Open An Account Online

Online Account Opening is available for select personal checking and savings accounts. Qualifying adult U.S. citizens who are at least 18 years of age and reside in select U.S. states can take advantage of this convenient, time saving tool. Some restrictions may apply. Please reach out to your local banking center with questions. Open an account online.

Debit Cards

Debit cards are available for all checking accounts with no annual fee. Plus, through our Western Rewards program, personal debit card holders automatically earn points for every purchase. Points can be redeemed for cash back, merchandise, travel, local gift cards, charity donations and more. Learn more about Western Rewards.

Are you planning to travel soon? Please review the travel section on our FAQs prior to your trip.

Card Controls & Alerts

All Western State Bank Mobile App users now have the ability to disable their own debit cards when the card is lost, stolen, or fraud is suspected. Our Card Controls feature also allows app users to designate specific places or transaction types where the card can be used. Sign up for Online Banking today to access these tools.

ITIN Friendly

Have you or a someone you know been turned down for a deposit account or loan due to not having a social security number? Western State Bank proudly serves customers with ITINs (Individual Taxpayer Identification Numbers). Come talk to us for more details and to determine account qualification today.

Rest easy with overdraft protection.

Western Reserve

With Western Reserve you’ll never have to worry about overdrawing your checking account again. When you write a check for more than the balance in your account, we automatically advance money from your Western Reserve loan in $100 increments. A minimum payment of principal and interest is deducted from your account before your statement is sent. You may make payments or pay the balance in full at any time. The annual fee for Western Reserve is $15. To take advantage of this service please visit with the New Accounts team at your local banking center.

Savings Reserve

Our Savings Reserve will prevent checking account overdrafts by advancing from your Western State Bank savings account in $10 increments. This option is limited to six advances per month. To take advantage of this service please visit with the New Accounts team at your local banking center.

*Our $3.50 monthly statement fee is waived for Western Connect checking accounts with enrollment in online banking and e-statements. A monthly maintenance fee of $9 applies to Western Plus Checking accounts if average collected balance is under $1,000.

**Western State Bank charges a $1.50 fee when using an ATM not owned or operated by Western State Bank.