Business Checking

Designed for your small business.

Manage your day-to-day business needs without paying for extras you don’t need. Don’t worry about a minimum balance requirement or monthly service fees tied to a minimum monthly balance — we’re here to make business banking easy for you.

Business checking account features include:

ATM fee refunds*
Free business online banking and mobile banking**
Free Western debit card

Compare your checking account options.

Account Features	Business Checking	Business Interest Checking	Business Checking Plus
Account Summary	Designed for small business checking needs.	Interest-bearing checking account for small businesses, entrepreneurs, and non-profits.	Checking for companies with treasury management needs.
Monthly Minimum Balance and Related Requirements	None	$2,500 average available balance; No minimum balance requirement for non-profit organizations	None
Monthly Service Fee	None	No fee if $2,500 average available balance is maintained; $10 monthly fee if balance falls below $2,500 average available balance for the month	$15 monthly fee; Earnings Credit allowance (based on your balances) may offset some or all of your monthly fees
Interest Available		Available for sole proprietors and non-profits
Earnings Credit			Rate based on Internal Index
Account Activity	500 or fewer checks, items deposited, electronic items per month	200 or fewer checks, items deposited, electronic items per month	Optional monthly analysis statement detailing your account activity and service fees
Item Fees	After 500 items: $0.25 fee for any item	After 200 items: $0.25 fee for any item	See banker for details
Additional features and benefits
Free Business Online Banking and Mobile Banking
ATM Fee Refunds
Free Western Debit Card

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We're an extension of your team.

"Our family has been banking at Western for three generations now. I’ve been here over 40 years. During that time, a relationship of mutual trust has been built, and I feel very comfortable here at Western. I like the fact that I personally know most everyone. Western has always worked with us as our farm and family have grown."

Terry (James & Jon) Haman, Crary, ND

"I consider our relationship with Western as a real partnership that adds value to our business."

Jim Szymanski, James Associates

"I am happy I moved my business checking account and treasury management services to Western over 15 years ago. They save my business money, they provide the treasury services my business needs, and the team provides excellent customer service. I appreciate and value my banking relationship with Western State Bank."

Rob Jordahl, President/Owner of Jordahl Custom Homes, Inc.

"Chezy has had tremendous growth over the past couple of years and Western has been there every step of the way! We pride ourselves on providing quality video marketing content while being budget conscious. We chose Western to be our bank because of their great service, their ability to scale with Chezy as we’ve grown, and their ability to save us money on our banking services!"

Joe Tjosvold, Founder of Chezy

"At Western, the personal service is really different. The products are great, but their ultimate personal service really stands out."

Ron Schmitz, Ultimate Transportation

"This is the type of banking relationship a business hopes to achieve with its banker. We look forward to a long-term relationship with Western State Bank."

Clinton O. Shreeve, LC Jacobson & Company

"Your guidance and support of Benevilla mean a great deal to me, our organization, and most importantly our clients. "

Conrad Graff, Ex-Officio, Benevilla

"I wanted to reach out to say thank you. Western has been a very good bank to us and this is just another example of the help you provide!"

Chris and Samantha Bachmeier, Bachmeier Homes

Business Checking

Designed for your small business.