VIP Checking

Personal checking with added features and benefits. 

Open an Account

Get all of the basics you need in a personal checking account, with some additional features and benefits. Our VIP Checking account gives you a little something more from your account, with extras such as automatic ATM fee refunds* and free notary services.

Checking account features include:

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

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
Father and daughter smiling and high-fiving in their kitchen

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 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

"I consider our relationship with Western as a real partnership that adds value to our business."

Jim Szymanski, James Associates

"I am happy I moved my business checking account and treasury management services to Western over 15 years ago. They save my business money, they provide the treasury services my business needs, and the team provides excellent customer service. I appreciate and value my banking relationship with Western State Bank."

Rob Jordahl, President/Owner of Jordahl Custom Homes, Inc.