Achieve your goals and secure your future.
Whether you’re saving for a rainy day or planning for the vacation of your dreams, our savings accounts can help you accomplish your goals. With either of our account options, you have the opportunity to earn interest. Our accounts also feature unlimited deposits, and no monthly service charges when minimum balances are met. View our account options below to see which savings plan is right for you.
Youth Savings Accounts
Minors (under age 18) can open a Western Savings account with just $1. We'll also waive the $3 monthly maintenance fee, helping them to avoid extra costs. Our maximum debit fee and other fees may still apply, so be sure to review our savings account options below.
Online Account Opening
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 today.
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.
Western Savings
Minimum to Open
$250
Minimum Balance
$100 (to earn interest)
Monthly Maintenance Fee
$3 (can be waived)
Maximum Debits
6 (to avoid fees)
Tiered Interest
Yes
Western Savings Details
Money Market Savings
Minimum to Open
$1,000
Minimum Balance
$1,000 (to earn interest)
Monthly Maintenance Fee
$9 (can be waived)
Maximum Debits
6 (to avoid fees)
Tiered Interest
Yes
Money Market Details
Certificates of Deposit
We offer a variety of investment terms from 3 months to 4 years, and we won’t limit you to a specific term. We give you the freedom to set your own timeframe on the investment. Do you prefer a 5-month investment instead of 3? We can do that. Once the CD is opened the rate is set for the term. The minimum amount required to open a CD is $500. Early withdrawal may result in penalties. Contact us to inquire about CD rates today .
ATM
ATM cards are available for any savings account. Western State Bank charges a $1.50 fee when using an ATM not owned or operated by Western State Bank.
Overview of Western Savings
Minimum to Open: $250
Minimum Balance: $100 (to earn interest and avoid maintenance fee)
Waived Monthly Maintenance Fee Option:
With Western Savings, we’ll waive your $3 monthly maintenance fee when you maintain a daily balance of over $100. The monthly maintenance fee is waived for minors. Western State Bank applies fees each statement cycle.
Western Savings Features:
- Unlimited deposits
- Online banking
- Mobile banking
- No charge for up to six debits per statement cycle*
- Interest earned on tiered average collected balances over $100. Contact us for current rates.
*A $3 maximum debit fee is applied for each debit in excess of six per statement cycle.
Overview of Money Market Accounts
Minimum to Open: $1,000
Minimum Balance: $1,000 (to earn interest and avoid monthly maintenance fee)
Waived Monthly Maintenance Fee Option:
With our Money Market Accounts, we’ll waive your $9 monthly maintenance fee when you maintain an average collected balance of at least $1,000. Western State Bank applies fees each statement cycle.
Money Market Features:
- Unlimited deposits
- Online Banking
- No charge for up to six debits per statement cycle*
- Mobile banking
- Interest paid on tiered average collected balance over $1,000. Contact us for current rates.
*A $3 maximum debit fee is applied for each debit in excess of six per statement cycle.