Checking

Manage your money with ease

Our personal checking accounts offer free direct deposit, free internet banking with ten free online bill pay transactions per month, free mobile and telephone banking, and no limit on number of checks written. Plus, when you enroll in internet 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.

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 available for any checking account. Our $13.50 annual fee is waived with enrollment of internet banking and E-statements. With Western Plus Checking, debit cards are always provided with no annual fee**. Are you planning to travel soon? Please review the travel section on our FAQs prior to your trip.

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 internet 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.