eBanking
The eBanking services at Western States Bank allow you to bank from anywhere, giving you the freedom to do the things you love without having to schedule a trip to the bank. You can check balances, view transactions, transfer funds instantly or by schedule, pay bills, deposit money, and much more. Our goal is to make banking the best experience possible, whether it’s online, via our mobile app, or at one of our branches.
Want to Bank with the Touch of a Button?
Download the mobile banking app!
Personal
- Mobile App
- Mobile Deposit
- Bill Pay
- Budget
- Account Alerts
- Security
Bank anywhere, anytime with your smartphone or tablet! The Western States Bank mobile app goes beyond basic balances and account overviews. Instead, we provide you with the most cutting-edge mobile banking technology, including:
- Fingerprint reader and facial recognition on compatible devices
- Balance and transaction history
- Check account balances prior to login with Instant Balance
- Mobile deposit
- Paper bill capture
- Bill payment
- Person-to-person payments
- Easy-to-use interface
- Debit and credit card protection with CardValet
- Account alerts
- On-device enrollment
Download our free Apple or Android app today!
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!
- There are no additional fees for Mobile Deposit
- Security Guarantee – guaranteed to be safe. View our Security Guarantee.
- Fast 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.
- 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.
Receive, review and pay your bills online in one place. Rather than navigating to other pages, bill pay features the most comprehensive electronic billing and payment experience available to make paying your bills easier than ever. Some of the features include:
- Next-day payments
- Same-day payments (where available)
- Account-to-account transfers
- Guaranteed on-time and accurate payments
- Fraud prevention system
Zelle®
Zelle is a convenient way to send money using your mobile banking app or online banking account. Whether it’s saving you a trip to the ATM or taking out the guesswork of divvying up the lunch tab, Zelle is a fast, safe and easy way to send and request money. Funds are sent directly to the recipient’s account in a matter of minutes1, and all you need is the recipient’s email address or U.S. mobile phone number.
Learn more about Zelle®
Keep a pulse on your complete financial portfolio at all times. Our Budget Tool allows you to simplify your money management, analyze your spending habits, track saving goals and budgets, and control your finances from anywhere. You will be able to make more informed financial decisions and uncover new financial opportunities. Take advantage of these other great features available with the Budget Tool:
- Balance and transaction history
- Comprehensive financial dashboard
- Transaction categorization
- Spending alerts
- Create and track budgets
Use account alerts through your online banking to notify you about events on your account. You can choose to receive account alerts via email or by text message. You will also see alert notifications when you log into your online banking. Set up alerts so you can be notified when:
- Your balance falls below a set amount
- A debit card transaction is presented against your account
- A check is presented against your account
- Your CD is maturing
- Your loan payment is due
- And more
Coming soon! You can even select quiet times when you don’t want to receive alerts and pick what events you’d like to be notified about, giving you complete control over anything that happens with your account.
How to Set Up Alerts
- Log into your Western States Bank online banking.
- Select “Alerts” from the top right of your screen.
- Select the type of alert, then click on “Setup New Alert.”
- Follow prompts to set up alerts that meet your banking needs.
You can bank online knowing all your activity will be safe and secure. All our online and mobile banking technology was created to provide the user the highest level of protection. We utilize the following tactics to keep your money safe:
- Trusted device authentication to flag logins from usual places or devices
- Biometrics to ensure no bots or hackers gain access to your accounts
- Challenge questions to further authenticate login attempts
- Fraud protection using machine learning and automation to flag unusual activity
- Leading-edge data encryption
Want to manage your business account from your phone?
Download the mobile business banking app!
Business
- Business Mobile App
- Business Deposits
- Bill Pay
- Transfers
- Positive Pay
- Security
Our Business Online Banking users can use our Western States Bank Business mobile app to tend to all their banking needs. There are tons of great features, including:
- Mobile deposit
- ACH, Wire, and Positive Pay approvals
- Payment functionality
- Easy-to-use interface
- Fingerprint login
Download our free Apple or Android business app today!
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.
Remote Deposit
Western States Bank proudly offers remote deposit capture services as a value added service for our business customers. With remote deposit, you can conveniently deposit checks from a remote location without ever having to make a trip to the bank. This will save you time and money!
How it works – three simple steps
- Scan Checks. The scanner, which is connected to your PC and the internet, captures the front and back of each check, including the MICR information and dollar amounts.
- Prepare Deposit. Checks are totaled and balanced, and a virtual electronic deposit ticket is prepared for your approval.
- Submit Deposit. All check images are electronically sent to Western States Bank and deposited into your account.
All you need is a computer with high-speed Internet connection and a Western States Bank business account. Increase your efficiency and productivity with remote deposit capture.
To use remote deposit, you must be a Business Online Banking user. 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.
Mobile Capture
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 Business Mobile App.
- There are no additional fees for Mobile Deposit
- Security Guarantee – guaranteed to be safe. View our Security Guarantee.
- Fast 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:
- 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.
To use mobile deposit with our Western States Bank Business mobile app, you must be a Business Online Banking user. 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 free Apple or Android business app today!
Pay all your bills in one place with the help of bill pay for business. You will save time and money and streamline your business thanks to all the great bill pay features, such as:
- Automatic scheduled payment options
- Risk-based payments, providing more controls to riskier requests and automating recurring payments
- Bill payment dashboard
- Electronic bills
- Accounts payable invoicing to pay multiple invoices and include details with payments
- Tiered authority levels
ACH Manager
Make electronic payments easier with fully automated processing of ACH transactions. Rather than manually completing your transfers, ACH Manager automatically validates, checks for duplicates, and runs risk control. Additional features include:
- Same-day ACH on business days before 11 a.m. MST
- Transfer templates to save time and prevent errors
- Rejection or exception notifications
- Immediate confirmation
- Pay employees electronically
- Status updates and transaction history
- Advanced risk management controls
- Dual control
- Set user-specific transfer limits
Wire Manager
Complete wire transfers quicker and easier than ever from your computer. Wire Manager has top-of-the-line security and automation to save you time and money. Here are some of the great features:
- Email notifications about transfer status
- Same-day transfers
- Transfer templates
- Set approval limits on the number and dollar amount of transactions
- Dual control
- Real-time reporting
Take control of your check payments with Positive Pay. Positive Pay is designed to help your business prevent check fraud. Your business verifies the checks presented against your account for payment and pays only those that have been authorized.
Do your business banking with the confidence of safety and security. Western States Bank has implemented the highest level of security to ensure every time you access our technology online or from a smartphone or tablet, you are protected. Some of the tactics we use include:
- Soft tokens to enable two-factor authentication on your device
- Hard tokens to provide you a code to access your accounts
- Role-based permissions to give employees different levels of access
- Dual control for wire and ACH transfers
- Fraud protection using machine learning and automation to flag unusual activity
- Leading-edge data encryption
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