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Western State Bank

Checking

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 that will benefit you the most. All of our accounts offer unique benefits, plus you could earn up to $100 with a new checking account:

  • Free Online Banking, Mobile Banking and Free Standard Bill Pay
  • Free TeleBank
  • Free Direct Deposit
  • Free Identity Theft Protection
  • Free Checking

    Western’s Free Checking account is an account that offers a great opportunity with no minimum balance requirement but with all the perks of banking at Western.

    Free Checking features and benefits include:

    • Say Goodbye to ATM Fees*
    • Free Western Cash or Western Cash & Check Card*
    • No minimum balance required
    • Interest Not Available
    • Free single Western Checks, $10 discount on designs or duplicates*

    *Limitations Apply. Refunds available up to $20 per statement cycle with valid receipt.  Ask banker for more details.

    Compare checking accounts to view all the features and benefits you could receive. Apply online today or visit with a Personal Banker to open an account today.

     
  • Future Checking

    Western’s Future Checking account is the perfect account for students looking to not only receive an education but also excellent banking benefits. Plus, Future Checking account customers can apply for an annual scholarship to put toward their academic expenses. Contact a Personal Banker for more details.

    Future Checking features and benefits include:

    • Say Goodbye to ATM Fees*
    • Free Western Cash or Western Cash & Check Card*
    • Available to all Full-Time Students
    • No minimum balance required
    • 25 Withdrawals by check/mo.
    • $.25 for each additional check
    • Interest Paid Monthly

    *Limitations Apply. Refunds available up to $20 per statement cycle with valid receipt.  Ask banker for more details.

    Compare checking accounts to view all the features and benefits you could receive. Apply online today or visit with a Personal Banker to open an account today.
     
  • VIP Checking

    Western’s VIP Checking account is a checking account for excellent value with a relationship at Western. The benefits are outstanding totaling over $505 each year.

    VIP Checking features and benefits include:

    • Say Goodbye to ATM Fees - Automatic reimbursement!*
    • Free Western Cash or Western Cash & Check Card*
    • $500 minimum balance or maintain a $5,000 balance in Loans and Deposits
    • $10/mo if below min. balance
    • Interest Paid Monthly
    • Free single Western Checks, $10 discount on designs or duplicates*
    • Free Money Orders, Notary Service, Travelers Checks & Cashier's Checks
    • Bonus of 10 basis points on CD's - new & renewals

    *Automatic refunds up to $20 per statement cycle.

    Compare checking accounts to view all the features and benefits you could receive. Apply online today or visit with a Personal Banker to open an account today.

     
  • VIP Plus Checking

    The VIP Plus account at Western is perfect for those that want the highest value account. This VIP account provides enormous value for those that are loyal to Western with their banking relationships.

    VIP Plus Checking features and benefits include:

    • Say Goodbye to ATM Fees - Automatic reimbursement!*
    • Free Western Cash or Western Cash & Check Card*
    • No minimum balance required in checking account ($10,000 balance in any combination of deposit accounts is required or maintain a $25,000 balance in Loans and Deposits).
    • $10/mo if below min. balance
    • Interest Paid Monthly
    • Free single or duplicate Western checks, $10 discount on other designs*
    • Free Money Orders, Notary Service, Travelers Checks & Cashier's Checks
    • Bonus of 10 basis points on CD's - new and renewals
    • No Annual Fee for Instant Credit
    • No Fee for Stop Payments
    • No Credit Card Annual Fee
    • No Doc Fee on Consumer Loans ($100 value)
    • No Doc Fee on Home Equity Loans ($75 value)

    *Automatic refunds up to $20 per statement cycle.

    Compare checking accounts to view all the features and benefits you could receive. Apply online today or visit with a Personal Banker to open an account today.
     
  • Order Checks

    Running low on checks? We can help! Call your local Western State Bank to place an order or order online anytime.
     
  • Overdraft Protection

    Western can cover you for those times when you need it. Avoid overdraft fees with Overdraft Protection or Instant Credit.

    Overdraft Protection automatically transfers funds from a saving or checking account to cover checks that may exceed your checking account balance. You can also use Overdraft Protection to maintain the minimum balance you want in your checking account. A small fee applies per transfer.

    If you write a check for an amount that's more than you have in your checking account, Instant Credit automatically advances funds on your pre-approved line of credit to cover the checks.

    Contact a Personal Banker for details on how to apply for these services.

     

 

Online Acess 24/7!

Bank when you want, where you want with FREE Online Banking from Western State Bank. Work around your schedule to view your bank accounts safely and conveniently, 24-hours a day, seven days a week.

Stay Connected!

Western State Bank will be closed Monday, May 29, in honor of Memorial Day. Normal business hours will resume on Tuesday, May 30. Have a safe & happy Memorial Day weekend!