Checking Accounts With Online Banking And Mobile Banking Options

Manage your money with ease

Our personal checking accounts offer free direct deposit, free Online Banking and unlimited bill pay transactions, free mobile and telephone banking, and no limit on number of checks written. Plus, when you enroll in Online Banking and e-statements, you could be eligible to have your monthly service charges waived, depending on the checking account you choose. Regardless of your financial situation, we have a product to meet your needs. Check out our account options below. 

Youth Checking Accounts

With just $1 minors (younger than 18) can open a Western Connect checking account. Plus, when they enroll in Online Banking and eStatements, they could be eligible to have their monthly service charges waived. Learn more about our checking account options below.  View Youth Savings Account options

Western Connect
Minimum to Open $250
Minimum Balance $1
Monthly Service Charge $3.50 (can be waived)
Tiered Interest No
*Details
Western Plus Checking
Minimum to Open $250
Minimum Balance $1,000 (to earn interest)
Monthly Service Charge $9 (can be waived)
Tiered Interest Yes*
*Details

Debit Cards
Debit cards are now available for all checking accounts with no annual fee. Are you planning to travel soon? Please review the travel section on our FAQs prior to your trip.

Coming Soon: All Online Banking and Western State Bank Mobile App users will have the chance to set travel dates and disable their own debit cards when the card is lost, stolen, or fraud is suspected. Sign up for Online Banking today to access these tools as soon as they're available.

Rest easy with overdraft protection.

Western Reserve
With Western Reserve you’ll never have to worry about overdrawing your checking account again. When you write a check for more than the balance in your account, we automatically advance money from your Western Reserve loan in $100 increments. A minimum payment of principal and interest is deducted from your account before your statement is sent. You may make payments or pay the balance in full at any time. The annual fee for Western Reserve is $15. To take advantage of this service please visit with the New Accounts team at your local banking center.

Savings Reserve
Our Savings Reserve will prevent checking account overdrafts by advancing from your Western State Bank savings account in $10 increments. This option is limited to six advances per month. To take advantage of this service please visit with the New Accounts team at your local banking center.

*Our $3.50 monthly statement service charge is waived for Western Connect checking accounts with enrollment in online banking and e-statements. A service charge of $9 applies to Western Plus Checking accounts if average collected balance is under $1,000.

**Western State Bank charges a $1.50 fee when using an ATM not owned or operated by Western State Bank.