PERSONAL BANKING PRODUCTS

Checking Accounts	Free Checking	Future Checking	VIP Checking	VIP Plus Checking
Minimum Balance	No minimum balance required.	• No minimum balance required. • Available to all Full-Time Students	$500 minimum balance required.	No minimum checking account balance required. $10,000 balance in deposits required.
Maintenance Fee	N/A	• No Monthly Service Charge • 25 Withdrawals by check/mo. - .$25 for each additional check	$10/mo if below min. balance	$10/mo if below min. balance
Interest Available	N/A	Paid Monthly	Paid Monthly	Paid Monthly
Features & Benefits	• Free Western Checks* (or $10 discount on other designs) • Free Instant Cash® or Instant Cash & Check® Card** • Free Online Banking • Free Bill Pay • Free TeleBank • Free Direct Deposit • Free Identity Theft Protection • Say Goodbye to ATM Fees* • Plastic . . . It Makes Cents ($.10 back on debit card purchases) • Electronic Images Available Online	• Free Western Checks * (or $10 discount on other designs) • Free Instant Cash® or Instant Cash & Check® Card** • Free Online Banking • Free Bill Pay • Free TeleBank • Free Direct Deposit • Free Identity Theft Protection • Say Goodbye to ATM Fees* • Plastic . . . It Makes Cents ($.10 back on debit card purchases) • Electronic Images Available Online	• Free Western Checks (or $10 discount on other designs) • Free Instant Cash® or Instant Cash & Check® Card** • Free Money Orders, Notary Service, Travelers Checks & Cashier's Checks • Bonus of 10 basis points on CD's - new & renewals • Free Online Banking • Free Bill Pay • Free TeleBank • Free Direct Deposit • Free Identity Theft Protection • Say Goodbye to ATM Fees* • Plastic . . . It Makes Cents ($.10 back on debit card purchases) • Electronic Images Available Online	• Free Western Checks (or $10 discount on other designs) • Free Instant Cash® or Instant Cash & Check® Card** • Free Money Orders, Notary Service, Travelers Checks & Cashier's Checks • Bonus of 10 basis points on CD's - new and renewals • No Annual Fee for Instant Credit • No Fee for Stop Payments • No Credit Card Annual Fee • No Doc Fee on Consumer & Home Equity Loans ($50 value) • Free Online Banking • Free Bill Pay • Free TeleBank • Free Direct Deposit • Free Identity Theft Protection • Say Goodbye to ATM Fees* • Plastic . . . It Makes Cents ($.10 back on debit card purchases) • Electronic Images Available Online

*Limitations Apply. Ask banker for more details.
**Available upon credit approval.

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Savings Accounts	Regular Savings	Treasury Market Account	Lil' Buckaroo Savings
Minimum Balance Requirement	$100 minimum balance. No minimum required if under age 18.	$1,000 minimum balance.	No minimum balance required. Educational savings program for children up to 12 years old.
Monthly Service Charge	$2 monthly fee if minimum balance is not maintained.	$10 monthly fee if minimum balance is not maintained.	N/A
Account Features	• Quarterly statement • Free TeleBank • Free Direct Deposit • Free Online Banking • Free Bill Pay • Say Goodbye to ATM Fees!*	• Six transfers and/or withdrawals per calendar month (Three by check maximum) • Free TeleBank • Free Direct Deposit • Free Online Banking • Free Bill Pay • Free Identity Theft Protection • Say Goodbye to ATM Fees* • Monthly statement	• Learn how to earn, save and exchange money • Receive gifts and earn a bonus in the form of Lil' Buckaroo Bucks from each $10 deposit to purchase items in the Lil' Buck Shop • Receive invitations to events throughout the year • Receive newsletters throughout the year
Interest	Interest compounded/ paid quarterly.	Earns variable rate of interest. Interest compounded/ paid monthly.	Interest compounded/ paid quarterly.

*Limitations Apply. Ask banker for more details.

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» Click here to apply now.

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Western State Bank

Phone : Devils Lake 701-662-4936, 888-662-4936; Towner 701-537-5441, 800-341-5492;
Fargo 701-356-9800, 866-356-9800; West Fargo 701-277-5003, 877-846-9345

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