Western State Bank
Online Savings Account - 5.15% APY

• Earn up to 10x the national average
• No monthly fees
• Multiple fund transfer options
• North Dakota-based phone and email customer service
• No promotional rate periods
• 24/7 online access to the money
• No minimum balance $5,000 initial deposit required

Fee and Feature Guide

Savings Account
Interest Rate
APY 5.15%
Minimum deposit amount $0.00
Maximum deposit amount N/A
Balance Requirements
Minimum Opening Deposit $0.00
Minimum Balance to Avoid Fees $0.00
Minimum Required Balance $0.00
Monthly Maintenance Fee N/A
Foreign ATM Fees N/A
Insufficient Funds Fee N/A
Incoming Wires N/A
Paper Statements ×
Online Statements Yes
Online and Telephone Banking
Online Banking Yes
Telephone Banking Yes
Mobile Banking Yes
Deposit Checks with Mobile Device Yes
Free Bill Pay ×
Online Bill Payments Required ×
Account Opening
Open Online Yes
Insured by F.D.I.C.

Recent Rate Changes

Date APY
August 20, 2023 5.15%

Customer Reviews for Western State Bank (11)

  • November 10, 2023 |

    Just found out after submitting all my personal information:

    "Western also allows one free outgoing wire per month."
    "External transfers from Western State Bank Online Banking: After 60 days you will have access to External Transfer where you can add up to five external accounts and transfer money back and forth. The limits are $5,000 per day ($10,000 per 30-day period) transferred in and $10,000 per day ($20,000 per 30-day period) transferred out."

    Not a good fit if you have a little bit of savings.

  • August 1, 2023 |

    Western State Bank is an outstanding bank, but like others I found they would not honor online rates in the branch.

  • January 6, 2023 |

    I did not find this rate anywhere. They knew nothing about it at branch in Fargo.

  • November 12, 2020 | | Replies 1

    Rate has remained competitive and they are easy to work with.

    | Apr 14, 2024

    What an idiot name.

  • February 22, 2020 |

    I have had an account with WSB for a couple of years. They have terrific customer service and good yield on moneymarket.
    I do recommend WESTERN STATE BANK ( and, no, I do not work there!! )

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