Lil’ Buckaroo Savings Account

Together, you can make money matters fun.

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A Lil’ Buckaroo Savings Account makes it easy to help the kids in your life learn about finances — and have fun doing it.

When you open a Lil’ Buckaroo Savings Account for a child age 12 or under*, they become a member of our Lil’ Buckaroo Savings Club. The club offers unique opportunities and activities for the entire family to create fun memories and encourage healthy financial habits.

With an account, your child receives:

  • Kids savings account, without a monthly minimum balance requirement
  • Lil’ Bucks to purchase prizes at Western locations
  • Seasonal newsletters with tips and activities
  • Invitations to members-only, family-oriented events

Compare your savings account options.**

Account Features

Personal Savings

Treasury Market Account

Lil’ Buckaroo Savings Account

Account Summary A traditional savings account with a low minimum balance. A more flexible option to grow your savings. An account for ages 12 and under, with perks to make saving fun for kids and their families.
Minimum Opening Deposit $50 $50 $50
Monthly Minimum Balance and Related Requirements $100 minimum balance for ages 18+, no minimum balance for ages under 18 $1,000 minimum balance None
Monthly Service Fee $5 monthly fee if balance falls below minimum balance requirement any day during that month $10 monthly fee if balance falls below minimum balance requirement any day during that month None
Per Debit Item Fee None No fee for the first 10 debits each month; $5 per debit item fee when there are more than 10 customer-initiated debit transactions during the monthly statement period None
Interest Interest compounded and credited quarterly Interest compounded and credited monthly Interest compounded and credited quarterly
Additional features and benefits
Free Online Banking and Mobile Banking Yes Yes Yes
ATM Fee Refunds Yes Yes
Free Initial Western ATM Card Yes
Lil’ Bucks to purchase prizes at Western Yes
Kid-friendly newsletters Yes
Exclusive invitations to family-friendly events Yes
Lil' Buckaroo Savings Club cowboy mascot with three kids

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

Contact our team to open an account or get more information today.

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Hayden, Mortgage Customer, West Fargo

"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.