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Western State Bank Review 2024

Updated March 14, 2024
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At a glance

Overview

Western State Bank is ideal for consumers in North Dakota or Arizona looking for a wide choice of checking accounts with unique perks and no fees or easy-to-avoid fees. The bank also offers access to thousands of ATMs through the MoneyPass ATM network.

Highlights:

ATM Fee Refunds Free Checking
3.7
Rating: 3.7 stars out of 5
Bankrate Score
Info Icon

CDs

Rating: 2.5 stars out of 5
2.5 /5

Checking

Rating: 4.5 stars out of 5
4.5 /5

Savings

Rating: 2.4 stars out of 5
2.4 /5

MMA

Rating: 4.3 stars out of 5
4.3 /5
Sponsored offers
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These are sponsored offers rated highly by us for competitive rates, fees, and minimums.

Bank logo
Member FDIC
Savings Account
3.80
%
APY
APY
Info Icon
As of 2/14/2025
Rating: 4.4 stars out of 5
$0
Min. balance for APY
View offer Arrow Right Icon
Promoted offer:
Bank logo
Member FDIC
Savings Account
3.90
%
APY
APY
Info Icon
As of 2/14/2025
Rating: 4.2 stars out of 5
$0
Min. balance for APY
View offer Arrow Right Icon
Promoted offer:
Bank logo
Member FDIC
Savings Account
3.70
%
APY
APY
Info Icon
As of 2/14/2025
Rating: 4.4 stars out of 5
$0
Min. balance for APY
View offer Arrow Right Icon
Promoted offer: It only takes about 5 minutes to open a fee-free account.

Overall

Pros

  • Checkmark Icon

    Western State Bank offers a selection of checking accounts with lots of perks and minimal fees.

  • Checkmark Icon

    Customers have access to thousands of MoneyPass ATMs.

  • Checkmark Icon

    It offers digital banking tools.

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    The bank prioritizes community involvement and offers benefits to service members.

Cons

  • APYs on deposit products tend to be low compared with top national offers.

  • Information on products is not readily available, since its website doesn’t post APYs or CD terms.

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We want to know what you think about Western State Bank

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Western State Bank banking products

2.4
Rating: 2.4 stars out of 5
Bankrate Score

Western State Bank savings overview

Western State Bank’s Personal Savings account pays well below the APY at top-yielding banks.

On the plus side, it requires just $50 to open, and a $100 balance is all that’s needed to earn the APY and avoid a $5 monthly service charge.

There’s also no limit on free monthly debit transactions from the savings account — typically banks allow a maximum of six free transactions. The account refunds up to $20 in ATM fees per statement cycle.

Pros

  • Checkmark Icon

    The minimum deposit required to open an account and the balance needed to earn the APY are very low.

  • Checkmark Icon

    The $5 monthly service fee is waived for balances of at least $100.

  • Checkmark Icon

    Customers can make unlimited free debits.

Cons

  • The account's APY is very low.

  • The bank doesn’t post its savings APY on its website.

  • Western State Bank
    APY
    APY
    Info Icon
    National average APY
    How do we get this data?
    Info Icon

Bank fees

Fees Charges
Overdraft fee $32
Checking maintenance fee $0
Savings maintenance fee $5 if balance falls below $100
Money market maintenance fee $10 if balance falls below $1,000
Excessive transaction fee $5 for each transaction after the first 10 per month (for money market accounts)

Customer experience

Account Summary


About Western State Bank

How does Western State Bank compare with other banks?

Western State Bank vs. First Citizens Bank

Review methodology

With so many financial institutions to choose from, it can be hard to know who to trust. Bankrate’s ever-growing list of bank and credit union reviews is updated regularly. Our editorial team analyzes and reviews each institution across deposit products such as savings accounts, checking accounts, certificates of deposit (CDs) and money market accounts (MMAs). Banks are rated by important factors such as offered interest rates, fees, minimum balance requirements, access to funds and more.

We assign a score to each type of account and its features, weigh them carefully based on importance to account holders and determine an overall score. Read our full review methodology.