Deposit Products

COMING SOON FOR NEW CUSTOMERS:  Open an E-Checking or Personal Savings Account Online! Existing customers can now open a new account through their online banking.


Click Here to View Full Fee Schedule

All Checking Account Benefits Include:

  • Only $50 to open
  • Free ATM/Debit Card
  • NEW! Customizable debit card through MyCard Creation
  • Free Internet Banking
  • Free Mobile Banking with Mobile Capture
  • Free on-line 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®
  • Peer-to-Peer Payment Systems (POP Money)


Our most basic checking; no maintenance no minimums. To obtain more information, or open an account, just stop by one of our convenient locations.

  • Does not earn interest
  • No minimum balance requirements
  • No monthly service charge
  • E-statement is required
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We offer a low minimum balance account that includes various benefits.

  • No service charge if $300 balance is kept ($5 monthly service charge if not kept)
  • No per check fee
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This is our special checking that offers a competitive interest rate and excellent bank-service benefits.

  • No service charge if $1000 balance is kept ($12 monthly service charge if not kept)
  • Unlimited transactions allowed
  • No per check fee
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Checking tailored to reward customers 50 years of age and above. A low maintenance account combined with a multitude of free services.

  • No minimum balance
  • No monthly service charge
  • Earns Interest base on Interest Table
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Provides a higher interest than a savings account while maintaining ready access to your funds.

  • Interest earned based on Interest Table
  • Minimum Balance to avoid fee: $2000
  • Service Charge if balance falls below minimum: $12 per month
  • Limit of 6 transactions per month
  • $5 per transaction over 6 per month
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Western States Bank offers this savings account for your extra money to earn interest at competitive rates.

  • Low Minimum Balance
  • Competitive Interest Rates
  • Six debit or withdrawal transactions allowed per month ($5 fee per transaction over six)
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We offer this savings account to meet your holiday needs.

  • Interest Method: Simple Interest, paid annually
  • Minimum Balance: None
  • Service Charge: None
  • Restrictions: Funds will be paid out November 15th
  • Early withdrawal penalty will equal all accrued interest on the balance
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