Frequently Asked Questions by Western State Bank customers
Frequently Asked Questions by Western State Bank customers

I can’t access online banking. What should I do?

Western State Bank recently transitioned to new Online & Mobile Banking platforms. Passwords were changed to a temporary password. If you have not yet set up your new credentials please visit our step-by-step guide for how to log in.

If you already set up your new credentials please try the following:

First, check to make sure you are typing the correct user ID and password; your user ID must be typed in all lowercase letters, and your password is case sensitive. As a security feature, your account will be locked after three failed attempts. If this happens, and if you're unable to reset your password on your own, please contact your local banking center to help you access your account. If you have any other issues, please contact us. We’d be happy to walk you through it!

What is required to open an account and how much do I have to deposit?

We require a minimum deposit of $250 to open an account. Please visit your local banking center and be sure to bring your government issued photo ID, social security card, and proof of address when setting up the account.

What are your locations, hours and contact information?

We’re proud to offer banking centers in seven Western Kansas communities. View locations, hours and contact info on our Locations page.

On which holidays are you closed?

All Western State Bank locations are closed on the following holidays: New Year’s Day; Martin Luther King, Jr. Day; President’s Day; Memorial Day; Independence Day; Labor Day; Columbus Day; Veteran’s Day; Thanksgiving; and Christmas Day.

How do I apply for a loan?

You may visit us at any of our banking centers to fill out an application. If you’re seeking a mortgage loan, you can start with our convenient online mortgage application, accessible via the Mortgage Loans tab.

What online services are available?

Through Western State Bank’s online banking system, you can view your balances, make transfers to and from accounts inside and outside of Western State Bank, view e-statements, pay bills, make loan payments and more. With our mobile app, you can do all of the above and even deposit checks!

How does Online Bill Pay work?

Online bill pay allows you to pay bills without ever having to write a check. You can even set them up to be paid on a monthly basis. The funds are automatically deducted from your checking account to the payee you designate.

Is there a limit to the number of transfers I can make in a month?

It depends on the type of account. Savings or Money Market accounts are limited to 6 withdrawals per month. Our checking accounts have unlimited withdrawals.

How can I get information about my account by phone?

We offer a complimentary service available any time of day called 24/7 Instant Access. It allows you to verify account balances, transfer funds, make loan payments, and review checks and deposits by phone. Call 1-866-275-7763 (or 1-620-275-7763 if local to Garden City).

Are wire transfers possible to and from my checking account?

Yes. You may call or visit our banking centers to request a wire transfer from your checking account. This service is not available online. To wire money to your Western State Bank checking account, you must initiate the process through the originating bank.

Where can I find my account number and/or routing number?

Our routing number is 101102865. Your account number and routing number are located on the bottom of your checks. You may also find them on your statements.

What are the fees for foreign currency?

The foreign currency fee is $27.

I’m traveling soon- what do I need to do to prepare?

Contact us prior to your trip departure and let us know what dates you’ll be gone. We’ll put your card on “travel status” to avoid any issues. Soon all Online and Mobile Banking users will have the option to set travel dates on their own. Enroll in Online Banking today to access this feature once it is available.

What is the limit on my mobile deposits?

Mobile deposits are limited to $2,500 per check.

Can I raise my mobile deposit limit?

You may be able to raise your limit, depending on the situation. Please give us a call or visit your local banking center to inquire.

What is the ATM withdrawal limit?

ATM withdrawals are limited to $300 per day.

What is the daily spending limit on my debit card?

You’re limited to your available balance up to $1,000.

How can I exceed my daily debit card spending limit?

Exceptions to the $1,000 limit may be arranged. Please give us a call or visit your local banking center to inquire.