Treasury Management

Make managing your financial operations easier.

Your time and money are valuable. Save more of both with smarter treasury management solutions. Our services help you spend less time manually managing financial aspects of your day-to-day operations, freeing up more time for you to focus on other areas of your business.

Merchant Services

Get the best merchant solutions at the right price. We partner with a third-party vendor to provide you with leading processing equipment and technologies. Whether you need traditional payment terminals, mobile payment technology, an eCommerce gateway, or more, we can help you find the solutions you need.

Positive Pay

Identify and reduce check and ACH fraud with Positive Pay. It adds an extra layer of security and protection for your accounts, allowing you to review checks or transactions to ensure they're correct. This means you can be proactive in reducing the possibility of losses due to fraud, rather than reactive after it’s happened.

Remote Deposit

Receive funds faster and spend less money preparing deposits. Remote deposit allows you to safely and easily scan checks from your customers and make electronic deposits, giving you more time to focus on your business.

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Business Banking Sweeps

Take advantage of an account that gives you the features and benefits of both checking and investing. Our automatic sweep services eliminate the need for manual cash management. We offer four business sweep services.

Treasury Management Sweep

Excess funds from your business checking account are automatically swept into an interest-bearing account, allowing you to earn higher returns on funds.

Loan Management Sweep

Excess funds from your business checking account are automatically used to reduce the principal of a Western State Bank revolving line of credit. This includes automatic advances on the line of credit when checks are presented for payment.

Treasury and Loan Management Sweep

Combines the features of both the treasury and loan management sweep accounts.

Zero Balance Account Sweep

Gives you more visibility into your accounts and greater control over your disbursement, while eliminating the need for you to manually fund multiple accounts daily.

Business online banking

With real-time access to your business accounts at your convenience, you can check on activity, transfer funds between accounts, and complete banking tasks whenever it works for you.

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See the Western Difference

Get more from your treasury management services.

Contact our team to discuss which options are right for your business.

"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.

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

Jim Szymanski, James Associates

"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

"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