Future Checking

A student checking account designed just for you.

Open aN Account

As a full-time student, you’re building an exciting future. We’re here to help you take on your educational goals. Our Future Checking account gives you all the benefits of having a personal checking account with Western while also offering an opportunity to apply for an annual $500 scholarship.*

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
See All Checking Accounts icon

See All Checking Accounts

Find a Western Location icon

Find a Western Location

Try Our Student Budget Calculator icon

Try Our Student Budget Calculator

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

"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.

"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

"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