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Western State Bank

Western State Bank in Fargo

Our Fargo bank recently relocated to the Osgood neighborhood. Our new location is just off of 45th Street South next to the Osgood Hornbacher's grocery store. 

With Western, you get more than top-notch account benefits and customer service. Our Lil’ Buckaroo Club teaches kids about savings and puts on family-friendly events throughout the year. Our popular Good Neighbor Club offers excellent account benefits and exclusive events for members ages 50 or better. And our Hometown Heroes program recognizes our friends and neighbors who serve the community every day.

Support the Independence Elementary PTO 

Now through October 30, when you open an account at Western State Bank, we'll make a $25 donation to the Independence Elementary PTO to support their programs and events!* It's an easy way to support our students and experience hometown banking. Be sure to mention the donation when you open an account.

Start the process online now, or contact a banker today to get started.

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Location Details

4201 45th St S
Fargo, ND 58104

Lobby Hours
Monday-Friday: 8 am - 6 pm
Saturday: 9 am - 1 pm

Drive-Up Hours
Monday-Friday: 7:30 am - 6 pm
Saturday: 9 am - 1 pm

866-356-9800 (Toll-free)



Meet our banking manager.

Jace Greene, Retail Banking Manager

Jace is our Retail Banking Manager in Fargo. He’s been with the Western team since 2012 and has experience working at both our Devils Lake and Fargo locations.

He enjoys working with customers and the rest of the Fargo team each day. “We have such great customers and amazing team members here,” he says. “Everyone on the team goes above and beyond and works together — at any given time, we step up and help each other with whatever is needed.”

Jace also enjoys being part of the broader Fargo community. Even though Fargo is growing, he appreciates that it still has a connected, close-knit feel.

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What's different about Western?


Bauer Rating Icon Institution Icon
Five Star Superior Rating by Bauer Financial Founded in 1902



Shaking Hands Icon Member FDIC Icon
Full-service banking including personal, business, mortgage and investments FDIC-insured


We're a refreshing alternative to big bank attitudes, policies and service. You'll appreciate our welcoming and convenient locations, our fast service (both online and in our banks), and our competitive rates. 

Our core values are at the center of everything we do. Whether you're a new customer or you've been banking with us for years, here's what you should expect:

  • You'll be respected and heard.
  • Your banking solution will be in your best interests.
  • If we make a mistake with your account, we'll make it right.
  • We'll do what we say we'll do for you.
  • You'll be treated with dignity, honesty, and courtesy.
  • You'll be greeted with a smile and a helpful attitude.
  • You'll receive knowledgeable advice.
  • Your personal and financial information will be kept confidential.
  • We'll work to simplify your finances.

Options to fit your needs.

Your banking needs are as unique as you are. That's why we offer a variety of options for personal and business banking.

Connect with a banker in Fargo.

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*New account must be opened by 10/30/21 to be part of the donation. Western will make one donation per household. Offer is only available at the Fargo location of Western State Bank.

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Important Update About QuickBooks Access for Business Accounts

Beginning November 1, 2021, we'll offer direct QuickBooks access to accounts in business online banking. If you use QuickBooks, this means you'll be able to sync your accounts between QuickBooks and business online banking.

If you currently access QuickBooks through personal online banking, you'll need to transition to business online banking by November 1, 2021. Effective December 31, you will no longer have access to QuickBooks through personal online banking.

If you currently access QuickBooks through personal online banking, contact us at as soon as possible so that we can switch you to business online banking.

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