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Personal
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Checking

Homepage > Checking

Open an account online!

OPEN NOW

All Checking Account Benefits Include:

Only $50 to open
Free ATM/Debit Card
NEW! Customizable debit card through MyCard Creation
Free Online Banking
Free Mobile Banking with Mobile Deposit
Free online Bill Pay
Free e-statements
Free check images with statements
Free Identity Theft Resolution Service
Overdraft Protection Available (with approved credit)
Expanded ATM network through MoneyPass®
Person-to-person payments (Zelle®)

Our most basic checking option with no maintenance and no minimums. Our e-checking accounts:

Do not earn interest
Have no minimum balance requirements
Have no monthly service charge
Require an e-statement
Allow unlimited transactions

Contact a representative to learn more

We offer a low minimum balance account that includes various benefits, including:

No service charge if $300 minimum balance is maintained

If balance falls below $300 during the month, a $5 monthly service charge will be assessed.

Unlimited transactions allowed

Contact a representative to learn more

This is our special checking that offers a competitive interest rate and excellent bank-service benefits, including:

No service charge if $1,000 minimum balance is maintained

If balance falls below $1,000 during the month, a $12 monthly service charge will be assessed.

Unlimited transactions allowed

Contact a representative to learn more

Checking tailored to reward customers over 50 years old. It is a low maintenance account combined with a multitude of free services, such as:

Competitive interest rate
No minimum balance requirements
No monthly service charge

Contact a representative to learn more

Provides a higher interest than a savings account while maintaining ready access to your funds.

Competitive interest rate
No service charge if $2,000 minimum balance is maintained

If balance falls below $2,000 during the month, a $12 monthly service charge will be assessed.
Limit of six debit transactions per month

There is a $5 per transaction fee assessed in excess of six debit transactions.

Contact a representative to learn more

Basic Check Production

Western States Bank offers personal and business in-house check printing with fast turnaround and very competitive pricing. Checks will be delivered directly to the branch of your choice or can be mailed out for a small fee. Contact us for more details or to reorder your checks!

Western States Bank Checks – Click Here

Premium Check Production

You can order your checks directly through the Deluxe Checks website. Use this convenient check ordering method to save time!

Deluxe Personal Checks – Click Here

Deluxe Business Checks – Click Here

For security reasons, Deluxe has restricted this service to orders that do not have any name or address changes. Also, you must provide the next starting check number for your reorder. If you do have name or address changes or you do not know the starting check number for your reorder, please mail or bring your check order into one of our convenient locations, and we will process it for you.

Mobile Deposit. The Fastest Way to Deposit Checks.

We’re sure you’ll love mobile deposit! Just use the camera on your smartphone and our Mobile Banking app to make check deposits into your account at Western States Bank. It’s easy:

Open our Mobile Banking app, sign in, and select Deposit.
Click New Mobile Deposit and choose your account.
Type in the check amount.
Remember to endorse your check and write “Mobile Deposit only at Western States Bank” beneath your signature.
Take photos of the front and back of the check using your smartphone, and select Use.
Review the deposit and Confirm.

Western States Bank is making it easier than ever for you to do your banking! Conveniently make deposits anywhere with our secure Western States Bank Mobile App. Watch our video tutorial or use our click-thru demo to see how easy it is!

Mobile Deposits are free
Security Guarantee – guaranteed to be safe. View our Security Guarantee.
Faster funds availability – for most Mobile Deposits, your funds are available at exactly the same time as if you walked into a branch.
Mobile Deposit limits have been increased.

Remember the following when making a deposit:

You must sign the back of your check
Write “Mobile Deposit only at Western States Bank” beneath your signature on the back of the check.
When taking a picture of your check, make sure all four corners of the check are included in the window. Also, avoid shadows and place your check on a contrasting background to get the best image quality.
Keep your paper check until it posts in your account history and then securely shred it. Checks should not be kept more than 14 days.

Download our Mobile App!

Business Online Banking

Our Business Online Banking Users can also use mobile deposit with our Western States Bank Business Mobile app. If you aren’t already a Business Online Banking user and are interested in enrolling, complete a Business Online Banking Inquiry or email us at eBanking@wsb.bank for more information.

Download our Business Mobile App!

Businesses depositing more than 30 checks a month can benefit from our Remote Deposit Capture (RDC) services. RDC allows businesses to deposit checks right from their office using a desktop scanner. Save time and have funds available quicker without having to travel to a branch. Watch our Remote Deposit Capture video tutorial to see how it can make banking easier for your business. Complete a Business Online Banking Inquiry or email us for more information at eBanking@wsb.bank.