Personal Checking

Choose a checking account that works for you.

Open an account

Your financial goals and needs aren’t the same as everyone else’s. We offer a variety of account options, so you can find the right checking account for your lifestyle.

And with any personal checking account from Western, you get personalized support, convenient digital banking options, and a variety of account features and benefits to make everyday banking easy.

Focused on Relationships

Focused on Relationships

You’re greeted with warmth, attention, and kindness during every visit.

Exclusive Clubs and Programs

Exclusive Clubs and Programs

At any age, Western feels like home. Our clubs and programs highlight what matters to you.

Fast and Responsive Service

Fast and Responsive Service

Get quick answers from real people with no appointments, hassles, or phone trees.

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Free Checking

Western’s Free Checking gives you basic checking, without a minimum monthly balance requirement and with all the benefits of hometown banking.

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VIP Checking

Our VIP Checking account includes all the basics of a checking account at Western, with added features and benefits.

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VIP Plus Checking

Our VIP Plus Checking account includes the most benefits and features of all of our personal checking account offerings.

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Future Checking

Future Checking is the ideal student checking account for individuals ages 17 or younger, offering the benefits of banking with Western along with an annual scholarship opportunity.

Find the right checking account for your lifestyle.

Contact our team for more details today.

Contact a personal banker

"The team helped me every step of the way. They responded immediately and worked very hard so that I had all the pieces of information."

Kristine, Mortgage Customer, West Fargo

"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

"I cannot say enough good things about this bank! Everyone inside greets you by name and it’s always such a positive, efficient and professional experience that also feels homey and friendly."

Katie, Scottsdale