Western State Bank:
Online Savings Account - 3.50% 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 3.50%
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.

Customer Reviews for Western State Bank (8)

  • November 12, 2020 | | Replies 1

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

    | Dec 6, 2022

    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!! )

  • December 20, 2019 |

    great customer service good rate

  • September 17, 2019 |

    great customer service 2.25% current online high yield account rates dropped from 2.50 thanks to trump

  • August 13, 2019 |

    I filled out the application 10 days ago answering all questions and sent a file with a copy of my drivers license to Western Bank. I received an email saying that a banker would call me within one business day. I have yet to ever hear from them. Very unprofessional way of doing business.

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