Western State Bank Review 2023
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At a glance

CDs
Checking
Savings
MMA
About Bankrate Score
Overview
Western State Bank is ideal for consumers looking for a wide choice of checking accounts with lots of 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

Bankrate Savings rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

Bankrate Savings rating = 0/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.

Bankrate Savings rating = 0/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Overall
Western State Bank is a well-established, federally insured bank based in North Dakota that offers deposit and loan products for individuals and businesses.
Pros
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Western State Bank offers a selection of checking accounts with lots of perks and minimal fees.
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Customers have access to thousands of MoneyPass ATMs.
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It offers digital banking tools.
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It offers special benefits to current and former members of the U.S. armed services.
Cons
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APYs on deposit products tend to be low compared with top national offers.
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It doesn't post APYs on its website.
Western State Bank bank products
Western State Bank savings overview
On the plus side, it requires just $100 to open and a $100 balance is all that’s needed to earn the APY and avoid a $5 monthly service charge.
Pros
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The minimum deposit required to open an account and the balance needed to earn the APY are very low.
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The $5 monthly service fee is waived for balances of at least $100.
Cons
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The account's APY is very low.

Bankrate Savings rating = 4.9/5
Bankrate scores are objectively determined by our editorial team. Our scoring formula weighs several factors consumers should consider when choosing financial products and services.
Bank experience
Western State Bank offers a highly rated mobile app for both Android and iOS devices. With the app, customers can check their balances and transactions, deposit checks and pay bills.
Branch hours vary. The bank website lists each branch location's address, phone number and business hours. Customers can also email the bank through its Contact Us page on its website.
About Western State Bank
Western State Bank is a federally insured bank founded in 1902 and headquartered in Devils Lake, North Dakota. It has 11 branches in North Dakota and Arizona, digital banking tools and a partnership with the MoneyPass ATM network. Its Freedom Banking program benefits veterans and those who currently serve in the U.S. military. It offers a "Move-on-Over Kit" to help new customers transition from another bank.
Review methodology
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.