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

"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

"This is the type of banking relationship a business hopes to achieve with its banker. We look forward to a long-term relationship with Western State Bank."

Clinton O. Shreeve, LC Jacobson & Company