Resources
- Switch Kit
- Protect Your Information
- Financial Calculators
- Lost Card?
- Frequently Asked Questions
Changing Banks Made Easy
Direct Deposit Change Form.
To view the files, you will need Adobe Reader. Most computers already have it installed. If your computer does not, please click here to download.
Please either contact your local branch here OR complete our secure Account Information Request Form
After contacting us, we’ll help you:
- Select and open a new Western States Bank checking account.
- Stop using your old account immediately.
- Transfer direct deposits and automated transfers to your new account.
- Close your old accounts with your existing financial institution.
Please print and fill out the following forms:
Automatic Payment Change FormDirect Deposit Change Form.
Take these forms to your local branch and present them to one of our friendly employees. Click here to find your local Western States Bank branch
Fill out the form and mail to your current financial institution:
Account Closure FormTo view the files, you will need Adobe Reader. Most computers already have it installed. If your computer does not, please click here to download.
Protect Your Information!
Below are helpful tips to protect your information while using your computer or mobile device.
- 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. If your device allows, add a biometric login (Fingerprint ID or Facial Recognition) for additional security when logging into your mobile banking and mobile device.
- 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 transactions, especially debit card purchases, post to your account can help you prevent losses.
- 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.
- Don’t Follow Links. Links in emails and texts are often how cyber-criminals try to steal information or infect devices. Never click on a link sent to you in an unsolicited or unfamiliar text message or email.
- Manage Your Debit Card. Use Manage My Cards on your mobile app to turn your debit card off when not in use. Set limits on the amounts and types of transactions that can be approved.
- 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.
- 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.
- 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.
To learn more about protecting your identity visit:
http://www.fdic.gov/consumers/consumer/guard/index.html
Important Notice: Links to the interactive calculators and information provided below are made available to you as self-help tools for your independent use and are not intended to provide investment advice. We can not and do not guarantee their applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.
Car Loan Calculator
Auto Loans
Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!
Home Equity Loan vs. Auto loan Calculator
Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Credit Cards and Debt Management
Cost-of-Debt Calculator
Use this calculator to help determine just how expensive your debt has become.
Roll-Down Your Credit Card Debt! The credit card roll-down calculator applies two simple principles to paying off your credit card debt.
Insurance Calculators
Health Savings Account (HSA) Savings Calculator
Use this calculator to help you determine how much your Health Savings Account (HSA) will be worth over time.
Loan Calculators
Enhanced Loan Calculator
Use this calculator to look at a variety of possible loans.
Existing Loan Calculator
Use this calculator to analyze one of your existing loans.
Home Equity Line of Credit Calculator
How big of a line of credit can you receive?
Mortgage Calculators
ARM vs. Fixed Rate Mortgage
Use this calculator to compare a fixed rate mortgage to two types of ARMs, a fully amortizing ARM and an interest only ARM.
Home Rent vs. Buy Calculator
Are you better off buying your home, or should you continue to rent?
FHA Loan Calculator
Use this calculator to determine your FHA loan amount and how much cash needed for to complete the home purchase.
Mortgage Calculator with Taxes and Insurance
Use this calculator to generate an estimated amortization schedule for your current mortgage. Quickly see how much interest you could pay and your estimated principal balances. You can even determine the impact of any principal prepayments!
Should I Refinance Calculator
How much interest can you save if you refinance your mortgage? The Should I Refinance Calculator helps you find out.
Personal Finance
Checkbook Balancer
Balance your checkbook with this quick and easy calculator.
Home Budget Analysis
Analyze your budget, see where your money goes, and find out where you can improve!
Credit Assessment
Use this calculator to assess your credit. After entering your information, your credit is assessed as 'Good', 'Fair' or 'Needs Improvement'.
Debt to Income Ratio
Use this calculator to quickly determine your debt-to-income ratio. This is the percentage of your gross income required to cover your housing and debt payments.
Student Budget
This calculator is specifically designed to help students understand their expenses and income while attending a university, college, or other full-time educational institution.
Retirement Savings and Planning
401(k) Savings Calculator
A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you can not afford to pass up.
Required Minimum Distribution (RMD)
The IRS requires that you withdraw at least a minimum amount – known as a Required Minimum Distribution – from some types of retirement accounts annually, starting the year you turn age 70-1/2.
Savings Calculators
Certificate of Deposit Calculator
Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
Compare Savings Rates Calculator
Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can impact your savings strategy!
Savings Goals
What will it take to reach your savings goal?
Business Calculators
Commercial Loan Calculator
Use this calculator to estimate your debt service coverage with a new commercial loan.
Working Capital Needs Calculator
Your working capital is used to pay short-term obligations such as your accounts payable and buying inventory.
Car Loan Calculator
Auto Loans
Find out how much automobile you can buy based on your monthly payment, or find out your loan payment based on your purchase price!
Home Equity Loan vs. Auto loan Calculator
Use this calculator to determine if a home equity loan makes sense for your next automobile purchase.
Credit Cards and Debt Management
Cost-of-Debt Calculator
Use this calculator to help determine just how expensive your debt has become.
Roll-Down Your Credit Card Debt! The credit card roll-down calculator applies two simple principles to paying off your credit card debt.
Insurance Calculators
Health Savings Account (HSA) Savings Calculator
Use this calculator to help you determine how much your Health Savings Account (HSA) will be worth over time.
Loan Calculators
Enhanced Loan Calculator
Use this calculator to look at a variety of possible loans.
Existing Loan Calculator
Use this calculator to analyze one of your existing loans.
Home Equity Line of Credit Calculator
How big of a line of credit can you receive?
Mortgage Calculators
ARM vs. Fixed Rate Mortgage
Use this calculator to compare a fixed rate mortgage to two types of ARMs, a fully amortizing ARM and an interest only ARM.
Home Rent vs. Buy Calculator
Are you better off buying your home, or should you continue to rent?
FHA Loan Calculator
Use this calculator to determine your FHA loan amount and how much cash needed for to complete the home purchase.
Mortgage Calculator with Taxes and Insurance
Use this calculator to generate an estimated amortization schedule for your current mortgage. Quickly see how much interest you could pay and your estimated principal balances. You can even determine the impact of any principal prepayments!
Should I Refinance Calculator
How much interest can you save if you refinance your mortgage? The Should I Refinance Calculator helps you find out.
Personal Finance
Checkbook Balancer
Balance your checkbook with this quick and easy calculator.
Home Budget Analysis
Analyze your budget, see where your money goes, and find out where you can improve!
Credit Assessment
Use this calculator to assess your credit. After entering your information, your credit is assessed as 'Good', 'Fair' or 'Needs Improvement'.
Debt to Income Ratio
Use this calculator to quickly determine your debt-to-income ratio. This is the percentage of your gross income required to cover your housing and debt payments.
Student Budget
This calculator is specifically designed to help students understand their expenses and income while attending a university, college, or other full-time educational institution.
Retirement Savings and Planning
401(k) Savings Calculator
A 401(k) can be one of your best tools for creating a secure retirement. Use this calculator to see why this is a retirement savings plan you can not afford to pass up.
Required Minimum Distribution (RMD)
The IRS requires that you withdraw at least a minimum amount – known as a Required Minimum Distribution – from some types of retirement accounts annually, starting the year you turn age 70-1/2.
Savings Calculators
Certificate of Deposit Calculator
Use this calculator to find out how much interest you can earn on a Certificate of Deposit (CD).
Compare Savings Rates Calculator
Even a small difference in the interest you are paid on your savings can add up over time. Use this calculator to see how different savings rates can impact your savings strategy!
Savings Goals
What will it take to reach your savings goal?
Business Calculators
Commercial Loan Calculator
Use this calculator to estimate your debt service coverage with a new commercial loan.
Working Capital Needs Calculator
Your working capital is used to pay short-term obligations such as your accounts payable and buying inventory.
If you have lost or misplaced your debit card, please call one of our customer services representatives immediately at:
AFTER HOURS
(888) 833-3455
DURING BUSINESS HOURS
Contact your local branch to speak with a representative. Find your local branch here.
You can turn your debit card off using our Western States Bank mobile app! Download the FREE Western States Bank mobile app from your favorite app store to log in or enroll, then click on “manage my cards” from your homepage to turn your debit card on / off or customize other security restrictions for your debit card.
Before using the online banking or online bill payment services, please read the Electronic Fund Transfers (EFT) disclosure statement by clicking on the link below, which discloses important information concerning your rights and obligations:
Electronic Fund Transfer Agreement and DisclosureWhat is Online Banking?
Western States Bank online banking is a convenient way to access your accounts without going to the bank, allowing you to bank from the home or office 24 hours a day, seven days a week just by using your personal computer.
What can I do with online banking?
You can access your checking, savings, line of credit, certificates of deposits, or loans to verify balances, *transfer money between accounts, and export information to your personal financial software. *Some restrictions apply to transfers (ask our customer service representatives for clarification). We use “real time access” for our balance information. This means the balance you see at home is exactly what the balance shows at the bank.
How much does online banking cost?
The service is free for our customers.
Is online banking private and secure?
Yes, it is. We have incorporated state-of-the-art security into Western States Bank online banking to ensure both privacy and security. We require passwords, data encryption, firewalls, and internal security procedures.
What is data encryption?
256-bit electronic data encryption provides privacy for the data flowing between your computer and the bank’s online server.
What is a firewall?
Our computer systems are protected by a system of filtering routers and firewalls, which create a protective shield between the outside Internet and the internal network of Western States Bank. We use several layers of technology to ensure your Internet transactions are secure and tamper-proof.
What can I do to protect yourself?
Your access ID and password provide one of the most important security features for online banking. Because you can select and change your password at anytime, you can prevent unauthorized online access to your accounts. Other security tips:
- Keep your web browser software up-to-date to take advantage of the latest security enhancements.
- Take precautions to keep your computer free from viruses that might be used to capture password keystrokes or send information from your hard drive.
- Please be careful where you choose to do your online banking and what you do with your transaction data. DO NOT use coffee shop Internet hook-ups or rented computers. Computers can be configured to capture private information from unsuspecting Internet users.
- If you get an unexpected web page asking you for your credit card, password, or account information, DO NOT disclose this information.
- DO NOT share diskettes that contain confidential information even if you think you have erased the information.
- It is a good idea to shred printouts of your account information before discarding them.
What equipment do I need?
For PC banking, you will need an IBM-compatible personal computer, running Windows version 3.1 or later, and a compatible modem. Your browser must support 128-bit encryption. To access Western States Bank online banking, you need Internet access and a browser with a version of 5.5 or higher.
Can I access online banking through my current Internet service?
Yes. The browsers we require work with most Internet service providers.
Who do I contact with questions or problems?
You can contact us by calling one of our customer service representatives by clicking here
How do I get started?
If you have an account with Western States Bank, you will need to go to our website at www.wsb.bank, and click on the “ONLINE BANKING” button. First, please be sure to read the Electronic Fund Transfers Disclosure Statement by clicking on the link at the top of the page. You will then click on the “enroll” button, which will take you to the disclosure page. After reading and agreeing to the disclosure, click on the “I Understand and Agree” button. You will then fill out the “first time log in” form. We will then mail two (2) separate notices to you: one with your access ID and one with your password. Once you have received both notices, you can go to the online banking page and click on either the personal accounts button or business accounts. At this time, you will input the access ID and password that was sent to you, and you will then be prompted to change your password. You are now off and running.
If you need more help, you can stop into any Western States Bank location and the bank’s staff can help you get started.
How long will it take to get set up for online banking?
Your access ID and password will be assigned and mailed to you within three to five days. The Access ID and Password are mailed in separate envelopes and mailed one day apart for security purposes.
When I log on for the first time, I get the error message “invalid security code.” What am I doing wrong?
When entering the access ID and password you received by mail, you will need to enter them exactly as they appear on the notice. The system is case sensitive, so be sure to enter capital letters. In addition, the letter “O” can sometimes fall between numbers. This can sometimes be confused for the number 0. Be sure to try either option.
If I have multiple checking and savings accounts, do I have to enroll for each account?
When you enroll using your account, you should see all accounts you are a signer on at Western States Bank. If you do not see all accounts, they may not be linked to your other accounts. Contact Western States Bank support, and we will help you gain access to all your accounts.