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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. 

If you’re ready for a new bank, we’re your hometown alternative. We’ve proudly served Fargo since 2007 and have remained true to our North Dakota roots since we were founded in 1902.

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.

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Location Details

4201 45th St S
Fargo, ND 58104

Lobby Hours
Monday-Friday: 8 am - 6 pm
Saturday: 8:30 am - 1 pm

Drive-Up Hours
Monday-Friday: 7:30 am - 7 pm
Saturday: 8:30 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?


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Five Star Superior Rating by Bauer Financial Founded in 1902



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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.

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If you use Bill Pay within your online banking account, you'll notice it now has an updated look! This change is intentional and doesn't impact the functionality or information you have set up within your account.

If you have any questions, please contact our Customer Care Department at 877-846-9345.