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Western State Bank

Card Services

Choosing the checking account that works best for your lifestyle is important. Our Personal Bankers will discuss your financial goals, purchasing behaviors and determine the account right for you.

  • Cash (ATM) Card

    Carrying this card is safer than having cash in your pocket. Visit an ATM to withdraw cash from your checking or savings account, transfer funds, make a deposit, or check account balances. The MoneyPass ATM network offers tens of thousands of surcharge-free ATMs coast to coast, located where you live, work and travel. Find a MoneyPass ATM near you.

    Visit with a Personal Banker today for a free Cash Card that can be issued for instant use!**

    **Not currently available at all locations. Contact your local Western State Bank for details.

     
  • Cash & Check (Debit) Card

    Western offers Mobile Wallet allowing you to turn your phone into your wallet at millions of retailers worldwide. After entering in your debit card information, Mobile Wallet will take the place of your debit card allowing you to pay with your smartphone. Mobile Wallet is compatible with Android Pay™, Apple Pay™ and Samsung Pay™. Use the instructions below to start using Mobile Wallet today!

    Instructions for Android Pay™

    Instructions for Apple Pay™

    Instructions for Samsung Pay™

    We are excited to offer CardValet to our customers. CardValet is an app that allows debit card holders to turn their card on and off, set locations* where the card can be used, restrict transactions based on merchant type, establish transaction account limits and schedule alerts for certain transaction types. 

    Learn more and visit the Google or Apple App stores to download the app today!
    *You will still need to contact the bank to unblock international transactions. 

    Leave your check blanks at home! Make all your purchases using funds from your checking account plus withdraw money at an ATM. Using the Cash & Check Card is easier than writing a check plus it saves you money from buying checks. Plus, when you come into Western for your Cash & Check card, or need your Cash & Check card replaced, we'll issue one on the spot for instant use!**

    Use your Western State Bank debit card at any MoneyPass ATM for free. Find MoneyPass ATMs near you.

    Western State Bank offers EMV Cash & Check Cards. EMV (Europay, MasterCard, Visa) cards have an embedded microchip providing more security and wider international acceptance. A microchip embedded in the card adds a new layer of protection against fraud for purchases made at the point of sale. Information programmed into the chip is personalized for your account and each transaction generates a unique code, adding an extra safeguard against unauthorized use and counterfeiting. 

    For more questions regarding the EMV Cash & Check Cards please visit our Help section. 

    Say Goodbye to ATM Fees!*** A maximum of $20 ATM refund transactions will be refunded per statement cycle, automatically refunded with VIP, VIP Plus and personal Treasury Market checking accounts. To receive the $20 ATM refund for Free Checking, Future Checking, Personal Savings*, all Business Checking Accounts, Business Savings and Business Treasury Market accounts, bring or mail in your receipts within 60 days of the transaction to be refunded. Refunds will be credited during the current statement cycle.

    *Savings statements are issued quarterly. Therefore, $20 per month of each statement cycle will be refunded.
    **Not currently available at all locations. Contact your local Western State Bank for details.
    ***ATM refunds up to $20 per statement cycle. Automatic refunds valid for VIP Checking, VIP Plus Checking and personal Treasury Market Account holders only. Restrictions apply on other accounts. See bank for more details.

  • Mastercard® Gift Cards

    Mastercard® Gift Cards from Western State Bank make great gifts for any occasion! You can choose any amount from $10.00 to $1,000.00. Receive 5 to 10 cards each year free with specific accounts. These cards can be used wherever MasterCard® is accepted. 

     
  • Personal Credit Cards

    Find the card that's right for you!

    Are you looking for a rewards card that earns automatic bonus points on every purchase, every month? Or maybe you prefer a card to pay down your balances on other credit cards faster or to save on interest. Whatever your needs, we have a credit card that's right for you!

    Click here to access your account.

    Visa® Real Rewards

    • $50 annual fee
    • 1.5 points for every eligible $1 spent
    • No caps or limits on points earned
    • Redeem points for cash back, travel, gift cards and brand-name merchandise

    Premiere Rewards American Express® Credit Card

    • Earn 4 points for every $1 spent on eligible restaurant purchases
    • Earn 3 points for every $1 spent on eligible airline purchases
    • Earn 2 points for every $1 spent on eligible gas purchases
    • Earn 1 points for every $1 spent on all other eligible purchases
    • No caps or limits on points earned
    • No annual fee

    Visa® Platinum Card

    • Our best introductory APR offer
    • No annual fee
    • Pay down your other credit card balances faster
    • Save on interest

    Cash Rewards American Express® Credit Card

    • Earn up to 3% cash back on gas
    • No annual fee
    • Also earn up to 2% cash back at supermarkets and 1% on all other purchases
    • $25 cash back with your first purchase

    Visa® College Real Rewards

    • 1.5 points for every eligible $1 spent
    • No caps or limits on the points earned
    • 2,500 bonus rewards points awarded after first purchase

    Learn more or Apply Now

    The creditor, issuer and service provider is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

    NOTE: It is Western State Bank's policy not to accept VISA® or MasterCard® applications from individuals or businesses located more than 60 miles from our Devils Lake, West Fargo, Fargo or Chandler, Casa Grande, Scottsdale, Sun City, Arizona, bank locations unless the applicant is a current customer or has made prior arrangements with a bank officer. If you are outside of the area defined above and would like us to consider a VISA® or MasterCard® application for you, please contact one of our personal bankers.

     
  • Business Credit Cards

    Find the card that's right for your business!

    Our Visa® Business credit cards come with a variety of important features including award-winning expense management tools, free employee cards and added security benefits.

    Click here to access your account.

    Visa® Business Real Rewards Card

    • 1.5 points for every eligible $1 spent
    • No caps or limits on points earned
    • 2,500 bonus rewards points awarded after first purcahse

    Visa® Business Rewards PLUS Card

    • Earn 3 points for every $1 spent on cellular phone services, hotel or airline
    • Earn 1.5 points for every $1 spent on all other eligible purchases
    • No caps or limits on points earned

    Visa® Business Cash Card

    • 3% cash back on certain net purchases, 1% cash back on all other net purchases1
    • 2% cash back on restaurant and gasoline net purchases
    • No caps or limits
    • $25 cash back awarded after first purchase2

    Visa® CommUNITY Card

    • Designed for nonprofits and municipalities
    • Free rewards programs available

    This card is not available online. Visit your local Western State Bank to learn more and apply.

    Visa Signature® Business Company Card

    • Designed for medium to large size businesses
    • Free rewards program available

    Learn more or Apply Now.

     

    1 – "Cash back rewards" are the rewards you earn under the program. Cash back rewards are tracked as points and each dollar in Cash Back rewards earned is equal o 1 point. You may simply see "Cash Back" in marketing materials when referring to the rewards you earn. Points earned on net purchases (purchases minus credit and returns).Merchants are assigned codes based on what they primarily sell. A purchase will not earn additional points if the merchant's code is not eligible. You will earn 1 reward point ("Point") for each dollar of Net Purchases charged to your Account during each billing cycle. You will also earn 2 additional points (for a total of 3 points) for each dollar of Net Purchases charged to your account during each billing cycle at merchant locations that are classified in the merchant category code as office supplies or cellular phone, landline, internet and cable TV services. In addition, you will earn 1 additional point (for a total of 2 points) for each dollar of Net Purchases charged to your account during each billing cycle at merchant locations that are classified in any of the following merchant category codes: automated fuel dispensers and service stations or restaurants. The number of additional points earned on office supply store purchases, cellular phone, landline, internet and cable TV services, automated fuel dispensers and service stations or restaurants is unlimited.

    2 – Reward points can be redeemed as a cash deposit to a checking or savings account or as a statement credit to your credit card account. First purchase bonus points will be applied 6 to 8 weeks after first purchase and are not awarded for balance transfers or cash advances. First use bonus points are awarded only by the Authorized Officer purchases. Monthly net purchase and bonus points will be applied each billing cycle.

    The creditor, issuer and service provider is Elan Financial Services, pursuant to a license from Visa U.S.A. Inc.

    NOTE: It is Western State Bank's policy not to accept VISA® or MasterCard® applications from individuals or businesses located more than 60 miles from our Devils Lake, West Fargo, Fargo or Chandler, Casa Grande, Scottsdale, Sun City, Arizona, bank locations unless the applicant is a current customer or has made prior arrangements with a bank officer. If you are outside of the area defined above and would like us to consider a VISA® or MasterCard® application for you, please contact one of our personal bankers.

     
  • Specialty Card

    Visa® Secured Card

    • $35 annual fee
    • Open a savings account that is pledged as a security for the credit card account

    Learn more or Apply Now.

     

 

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Mobile Wallet & CardValet

Utilize Mobile Wallet and CardValet for complete control and added security! Pay with simply the tap of your phone or turn your card on and off with these two Apps. Download them today!

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