Free Checking

Easy checking for your everyday needs.

Open an Account

Enjoy a simple approach to checking that offers the banking perks you deserve. With a Free Checking account, you can save money on ATM fees, access your money how you want to, and have peace of mind from extra features that help keep your funds safe.

Checking account features include:

  • ATM fee refunds and free Western ATMs*
  • Identity theft protection

Compare your checking account options.**

Account Features

Free Checking

VIP Checking

VIP Plus Checking

Future Checking
Account Summary Basic checking, without a minimum monthly balance requirement. All of the checking account basics, with added features and benefits. A checking account with the most features and benefits. A checking account designed for account holders age 17 or younger.
Minimum Opening Deposit $50 $50 $50 $50
Monthly Minimum Balance and Related Requirements None $500 or maintain a $5,000 balance in loans and deposits $10,000 balance in deposit accounts combined, or $25,000 balance in loans and deposits combined None
Monthly Service Fee None $10 monthly fee if balance falls below minimum balance requirement at any time in the month $10 monthly fee if balance falls below minimum balance requirement at any time in the month None
Interest None Interest compounded and credited monthly Interest compounded and credited monthly Interest compounded and credited monthly
Number of Free Western Gift Cards Per Year 5 10 10 5
Additional features and benefits
ATM Fee Refunds Yes Yes Yes Yes
Free Western Checks Yes Yes Yes Yes
$10 Discount on Other Check Designs or Duplicates Yes Yes Yes Yes
Free Initial Western Debit Card or Western ATM Card Yes Yes Yes Yes
Overdraft Protection/Instant Credit (if approved) Yes Yes Yes Yes
Free Online Banking, Mobile Banking, Mobile Deposit, and Standard Bill Pay Yes Yes Yes Yes
Free Identity Theft Protection Yes Yes Yes Yes
Free Official Bank Checks, Money Orders, and Notary Service Yes Yes
No Annual Fee on Approved Instant Credit Yes
No Fee for Stop Payments Yes
No Processing Fee on Consumer Loans Yes
No Processing Fee on Home Equity Loans Yes
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See what it's like to choose a bank focused on you.

Contact our team to open an account or get answers to your questions.

Contact a personal banker

"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

"Our organization was drawn to Western's local roots, friendly service, competitive rates, and low fees. Western shares our commitment to the community, and they support our kids and families in so many ways. We're very happy we switched!"

Bob Holman, Devils Lake Youth Activities

"Chezy has had tremendous growth over the past couple of years and Western has been there every step of the way! We pride ourselves on providing quality video marketing content while being budget conscious. We chose Western to be our bank because of their great service, their ability to scale with Chezy as we’ve grown, and their ability to save us money on our banking services!"

Joe Tjosvold, Founder of Chezy