• Other Financing Options
• Contact Local Business Banker
• Cash Management
• Remote Deposit
• Performance Banking
• TransLink

As a business owner, you are faced with hundreds of decisions ranging from employee benefit plans to financing equipment on a loan versus a lease. You don't need to be an expert on bank products but there are a lot of tools available and many options to consider. Our experienced Business Bankers are dedicated to find the best financial solution for your unique business needs. All of our decisions are made locally so you can be assured you will have efficient service and quick answers from our staff.

BUSINESS BANKING PRODUCTS

• Business Checking, Savings and Money Market Accounts (Click here for details)
• Business Credit Cards
• Merchant Credit Card Services
• ACH (Automated Clearing House) Origination Services
• Direct deposit of your employee's payroll, regardless of where they bank
• Electronic bill payments
• Electronic payments and receipts
• Business Online Banking - (Try a Demo!)
• View real time account information! Access your account for up-to-the-minute balance information on all of your banking accounts.
• View your check images, deposits. Find out if a check has cleared without calling the bank. You will be able to view actual images of your check, both the front and back to verify the endorsement and processed date.
• Originate ACH items
• Originate wire transfers
• Control employee and/or accountant access
• Dual control available for added security
• View past statements
• Transfer funds based on available balance
• View collected or available balances
• Make loan or bill payments
• Cash Management (More Information)
• Remote Deposit (More Information)
• Performance Banking - our best products and services for your employees (More Information)
• Full line of Western Insurance Products (More Information)†
• 401K and Other Retirement Plans (More Information)

† Insurance Products are not FDIC insured.

FINANCING PRODUCTS

• Equipment and vehicle loans
• Operating lines of credit
• Floor plan lines
• Real estate (construction and permanent financing)
• Equipment leasing

OTHER FINANCING OPTIONS
Additional options for financing are made available through our participation in the following programs:

• SBA Small Business Administration loan (7a, 504, Subordination loans, SBA Express, etc.)
• Dakota Certified Development Corporation
• Bureau of Indian Affairs
• Federal Home Loan Bank
• Rural Development (USDA)
• Bank of North Dakota

LOCAL BUSINESS BANKERS
Please stop by, call, or email one of our Business Bankers for some guidance on what banking and finance products best suit your needs. Our business is to make your business successful!

• Devils Lake: Gary Lochow, Barb LaBarre - 701-662-4936 or (toll free) 888-662-4936
• Towner: Alan Mathern - 701-537-5441 or (toll free) 800-341-5492
• Fargo/West Fargo: Andy Strand, Brad Jacobson, Brent Wersinger and Matt Mueller - 701-277-5003 or (toll free) 877-846-9345

NOTE: It is Western State Bank's policy not to accept loan applications from individuals or businesses located more than 60 miles from our Devils Lake, Towner, Fargo or West Fargo bank locations, unless the applicant is a present customer or has made prior arrangements with a bank officer. If you are outside of the area defined above and would like us to consider a loan for you, please contact one of our lending officers.

* The application is in Adobe Acrobat format. If you do not have Adobe Acrobat, click the following picture for a free download. After completing the application and financial statement, please bring it to the nearest Western State Bank location.