Personal Savings

Feel ready for whatever comes next.

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Experience an easy way to save for what’s important to you. Our Personal Savings account is a traditional savings account option that includes all the benefits of hometown banking with Western. It offers a low minimum balance, with simple access to your money when you need it.

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
Older man smiling with younger child

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

"Turning to Western State Bank was the best choice we made for our mortgage. The process was quick, always friendly, caring, and very professional."

Kim Taxdahl, Mortgage Customer, Arizona

"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

"Western State Bank treats me like a customer and not like a number. You get the feeling that they actually appreciate your business."

Roddy Riggs, Arizona