We are here for you
These are clearly unique times affecting our families, our businesses and communities. We know you rely on us every day for your financial needs and community support. We will continue to be here for you through this every-changing environment.
Thank you for choosing Western States Bank, we are BETTER TOGETHER!
Our branches are currently open by appointment only. Customers can continue to conduct transactions through our drive-thru service, surcharge-free MoneyPass ATMs, night-drop or self-service channels, including online and mobile banking. You may schedule an appointment by contacting your local branch.
Find a branch or surcharge-free ATM near you.
Western States Bank's online and mobile banking allows you to:
- Check your account balances and transaction history
- Securely deposit checks with your mobile device
- Transfer money between internal and / or external accounts
- Send and receive money to people you know and trust using Zelle®*
- Pay Bills from the comfort of your home**
- Receive real-time transaction or balance alerts on your account***
- Find branch and surcharge-free MoneyPass ATM locations
- Open an account
- Create a spending budget
- Track balances on external loans, credit cards or investment accounts****
For Online Banking: Click here to enroll
For Mobile Banking: Download our mobile app for Android or iPhone.
*Transactions typically occur in minutes when the recipient's email address or U.S. mobile number is already enrolled with Zelle. For more information on Zelle, visit wsb.bank/zelle. (See 2 below.)
**Bill Pay and Zelle enrollment must be completed using a browser prior to accessing the service through the mobile app.
***Mobile data and text messaging charges may apply. Contact your mobile services provider for details.
****Balances of external deposit accounts, loans, and investment accounts are available through the Budget tool in online banking only when the Financial Institution in which the account is held provides access.
- Wire Transfer Fee waived for COVID-related transfers for yourself or to a relative
- Increased Mobile Deposit Limits
- CD Early Withdrawals Penalty Waivers on certain COVID-19 related withdrawals
Contact your local branch with any questions.
- Payment Deferment Options* on Mortgage, Auto, HELOC and other consumer loans
- Suspension of Late Charges through 6-30-20
Contact your lender at your local branch with any questions.
- Payment Deferment Options* on Commercial and Agriculture term loans and lines of credit
- New Loans* for Payroll and Working Capital via the SBA Paycheck Protection Program under the federal CARES Act. Learn more about the Paycheck Protection Program. Customers wishing to apply for an SBA PPP loan can contact their local lender.
- Lower Floor Rates* on certain loans tied to the Wall Street Journal Prime Rate
Contact your lender at your local branch with any questions.
*All loan solutions subject to credit approval, underwriting considerations, current loan status, and SBA and other program guidelines.
Fraudsters see times like these as opportunities to take advantage of you. Protect your information using these security tips and features.
- Use a Code Word. A Code Word is a secret word or phrase that only you and your bank know. Adding a Code Word to your account provides an additional verification method to ensure your information stays protected.
- Use Our Mobile Banking App. Our mobile banking app allows you to stay on top of your accounts and quickly discover any suspicious activity.
- Use Strong Passwords. Use a strong mix of characters and don't use the same password for multiple sites. Keep your passwords secure and don't share your passwords with others. Western States Bank will never call, text, or email you to ask for your login information.
- Don't Follow Links. Links in emails and texts are often how cybercriminals try to steal information or infect devices. Never click on a link sent to you in an unsolicited or unfamiliar text message or email.
- Install Antivirus Software. Use antivirus software for additional protection against malware and other viruses that can harm your device or steal your information.
- Always Update Your Device's Operating System When Prompted. These updates are meant to protect your device and your information.
- Research Before You Buy. When using a new website for purchases, read reviews and see if other consumers have had positive experiences. Make sure the site is security enabled. Look for URLs with https:// to help keep your information secure.
- Use Secure Wi-Fi. Limit the type of activity you conduct on public wireless networks, such as logging into your bank account or making online purchases. Entering sensitive information on these networks could open you up to being hacked.
- Use Account Alerts. Set alerts on your online banking or mobile app. Alerts can be received via app notification, text alert, or email. Knowing when transaction, especially debit card purchases, post to your account can help you prevent losses.
- Manage Your Debit Card. Use Manage My Cards on your Western States Bank mobile app to turn your debit card off when not in use. Set limits on the amounts and types of transaction that can be approved.
- Report Unusual Activity. If you suspect fraudulent or suspicious activity with your account, call your local branch as soon as possible.
- Keep Your Contact Information Updated. Notify the bank of any changes to your address, phone number or email address. If we spot an issue with your account, we want to get in touch with you the quickest way possible.
- Go Paperless. Get your bank statements online quickly and securely, without worrying about paper statements being lost or stolen in the mail.
The Internal Revenue Service (IRS) began making stimulus payments to Americans. These payments are part of the Coronavirus Aid, Relief, and Economic Security (CARES) Act, signed into law by President Trump on March 27. While the majority of Americans will receive a stimulus payment, the amount and method may vary.
How much money am I getting?
United States citizens, permanent residents and qualifying resident aliens with a valid social security number who are not claimed as dependents on someone else’s tax return are eligible to receive a stimulus payment if the individual’s adjusted gross income (AGI) the designated parameters.
Eligible individuals with AGI up to $75,000 will receive a stimulus payment of $1,200. Individuals with an AGI between $75,000 and $99,000 will still receive a reduced stimulus payment. Eligible individuals filing as head of household with incomes up to $112,500 will receive a stimulus payment of $1,200, while those with an AGI between $112,500 and $136,500 receiving a reduced stimulus payment. Married couples filing jointly will receive $2,400 as long as their combined AGI doesn't exceed $150,000, with a reduced payment for those with an AGI between $150,000 and $198,000.
Families will receive an additional $500 per child. The thresholds cutoffs increase by $10,000 for each additional qualifying child to $109,000 for individuals, $146,500 for taxpayers filing as head of household, and $208,000 for joint filers.
Income is based on adjusted gross income (AGI) from 2019 tax returns, unless those taxes haven't been filed yet. In those cases, the payments are based on 2018 tax returns. Individuals and couples are also eligible to receive an additional $500 per child under age 17.
When will my stimulus check arrive?
Stimulus payments will be sent using direct deposit and paper checks. Taxpayers that received a tax refund in 2019 (or 2018 if 2019 taxes have not been filed) by direct deposit already have their account information on file with the IRS and should receive funds directly into that account using direct deposit. Payments made via direct deposit already began, with the first payments posting on April 15, 2020. Direct deposit payments will continue to post weekly on Wednesdays.
The first paper checks were mailed out with an effective date of April 24, 2020, and will be issued weekly until September 11, 2020. Checks will be mailed based on earned amounts, with the first checks going to those earning $10,000 or under.
How do I check the status of my stimulus payment?
You can check the status of your stimulus payment by visiting https://www.irs.gov and clicking on "Get My Payment". In order to search for your payment details, you may need your 2019 return, if filed, and your 2018 return.
If the IRS doesn't have your banking information on file and you would like to receive your payment by direct deposit instead of a paper check, the IRS site will allow you to provide that information and set up a direct deposit payment if your payment has not already been processed.
Frequently asked questions?
What happens if my stimulus payment is sent to a closed checking account?
In most cases, payments sent to a closed account will be returned. If you have another similar account at Western States Bank or you would like to open a new account, then we will do our best to work with you on a resolution. New accounts can be easily and securely opened online or by contacting your local branch. Please note that direct deposits must be posted to an active account or returned to the IRS within 24 hours of receipt. Direct deposit payments that are returned to the IRS will be issued and mailed as a paper check.
If I owe child support, will that affect the stimulus payment amount I receive?
Yes. Past-due child support amounts will be deducted from your stimulus payment amount.
What if I have additional questions that aren't answered here?
Visit the IRS website to review Economic impact payments: What you need to know