Savings Account Features Guide
| Interest Rate | |
| APY | 4.50% |
| Minimum deposit amount | $0.00 |
| Maximum deposit amount | N/A |
| Balance Requirements | |
| Minimum Opening Deposit | - |
| Minimum Balance to Avoid Fees | - |
| Minimum Required Balance | - |
| Fees | |
| Monthly Maintenance Fee | N/A |
| Foreign ATM Fees | N/A |
| Insufficient Funds Fee | N/A |
| Incoming Wires | N/A |
| Account Opening | |
| Open Online | Yes |
| Insured by | F.D.I.C. |
| Statements | |
| 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 Description
• 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
Rate History
| Date | APY |
|---|---|
| October 29, 2024 | 4.50% |
| August 16, 2024 | 4.85% |
| August 20, 2023 | 5.15% |
Customer Reviews for Western State Bank (1)
Rated 5.00 stars out of 5 - based on 1 reviews
Yeller
January 4, 2023 |
I've been a customer for many years. The folks are always really helpful. Just a great bank all around. I am not entirely sure about Western States as an online bank, might be hesitant to do business with them if I couldn't get to a branch.