No minimum balance
$5,000 initial deposit required
No minimum balance fees
FDIC insured
North Dakota based phone support
*Annual Percentage Yield effective 7/13/26 and may change after account is opened. A minimum deposit of $5,000 is required to open an account.
If the balance exceeds the maximum cap of $10,000,000.00 plus accrued and credited interest, the customer will be contacted to reduce the balance in the account. Personal accounts only. Fees may affect earnings. Member FDIC.
No minimum balance
$5,000 initial deposit required
No minimum balance fees
FDIC insured
North Dakota based phone support
Apply online in just a few minutes.
You'll receive a call from a banker to confirm your account details.
Deposit funds into your account.
Interest will be credited to your account monthly.
At Western State Bank, you'll receive hometown service that can't be matched by online-only institutions.
As a community bank, we're committed to building and maintaining your trust. You'll reach a real person when you need help, and we'll always provide straightforward answers and solutions.
Serving you is the focus of our core values. You'll be respected and heard. Your banking solution will be in your best interests. If we make a mistake with your accounts, we'll make it right. You'll be treated with dignity, honesty, and courtesy. And we'll always keep your information confidential.
Western State Bank was founded more than a century ago, and we've grown to an employee-owned regional bank with $2.5 billion in assets. We offer personal banking, business banking, mortgages, investment services, and nationwide equipment financing. We're based in Devils Lake, N.D., with bank locations in North Dakota and Arizona.
Five Star Superior Rating by Bauer Financial
Founded in 1902
Recognized as a Best Regional Bank
An online savings account is designed to help you grow your money while managing it digitally. It typically offers a variable interest rate, which means the rate can change over time. Interest is compounded and credited to your account monthly. This means you earn interest not only on the money you deposit, but also on the interest you've already earned. Because this account is meant for saving rather than everyday spending, fees may apply if you make more than 10 withdrawals or debit transactions in a statement cycle. This fee may reduce the overall earnings on your account.
You will need the following to open an account:
We're an active bank insured by FDIC. View our FDIC bank details.
There are five ways you can add money to your account:
Need help? Call us at 877-846-9345 and we'll help you find the best option.
Interest is compounded and credited to your account monthly. It's calculated using the daily balance method, which applies a daily periodic rate to the principal in the account each day. This means that the interest from your account is calculated every day on a 365 day year/366 day for leap years. Interest begins to accrue no later than the business day we receive credit for the deposit of noncash items (for example, checks).
We do not currently offer other online accounts. Full-service banking is available to those living in close proximity of our physical bank locations.
You'll need the following:
You must be at least 18 years old and a U.S. Citizen.
Have questions before opening an account? Contact a banker.
(Please do not submit personal or account information through this form.)
We will be in contact with you soon.
NOTICE: Western State Bank has no control over information at any site hyperlinked to or from this site. Western State Bank makes no representation concerning and is not responsible for the quality, content, nature, or reliability of any hyperlinked site and is providing this hyperlink to you only as a convenience. The inclusion of any hyperlink does not imply any endorsement, investigation, verification or monitoring by Western State Bank of any information in any hyperlinked site. In no event shall Western State Bank be responsible for your use of a hyperlinked site. Western State Bank © 2026. All Rights Reserved.
FDIC Membership
#9123
Routing Number
091307149
