Personal Banking

Personal banking for your everyday needs and future goals.

Talk to a personal banker

Money is personal. It’s your house, your car, and your comfort. When you start a banking relationship, you need to find someone you can trust. Here, you can always count on a warm welcome, honest advice, and a bank that shares your values.

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Spend your money when and how you want to. Open a personal checking account that fits your lifestyle.

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Save for whatever comes next. Find the right personal savings account to help you reach your goals.

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High-Balance Deposits

Protect your hard-earned money with multi-millions in FDIC insurance coverage.

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Mortgages and Home Equity

Finance the perfect home for you. Compare types of home loans, including options for a purchase, refinance, or home equity loan.

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Consumer Loans

Borrow to make important purchases. A consumer loan can help with anything from special purchases to necessary expenses.

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Credit Cards

Access credit that fits your needs. The right credit card can help you build your credit, earn rewards, and prepare for anything.

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Digital Banking

Manage your accounts anytime, anywhere. With our digital banking options, you can take care of banking when it works for you.

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Clubs and Programs

Join other customers just like you through clubs and programs at Western State Bank.

See what it’s like to choose a bank focused on you.

Together, we can reach your goals.

Contact us today

"Angie and the team were great! I am a first-time homebuyer so I was new to the process. Angie and the team made things easy and helped guide me from start to finish. It was an awesome experience and I will recommend Angie to all my friends and family."

Hayden, Mortgage Customer, West Fargo

"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

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

Conrad Graff, Ex-Officio, Benevilla