Western Explorer Account

  • Minimum balance to open account: $500.
  • No maintenance fees or per item fees.
  • Monthly statement does not include check images.
  • Duplicate checks are required.


Western Pioneer Account

  • Minimum balance to open account: $500.
  • Unlimited check writing.
  • No service charge for average collected balances $500 or more.
  • If the average collected balance dips below $500 during a statement cycle, monthly fees apply as follows:
    - Maintenance fee of $4.
    - Per check fee of $0.20 for each check written.
  • Service charge fees waived for senior citizens (62 years of age).
  • Monthly statement includes check images.


    Western Quality Club Checking Account

    Western Quality Club membership offers all the banking services for one low monthly fee.

    • Minimum balance to open account: $500.
    • A Western Quality Club fee of $6 (Individual Plan) or $8 (Family Plan) will be charged each statement cycle depending on the amount of insurance overage obtained. If a person is 62 years of age or older the monthly fee is $3.
    • Maintain average collected balance of $1,000 to obtain the disclosed annual percentage yield.
    • Interest compounded and credited every month.
    • Tiered rates.
    • Monthly statement includes check images.

    Membership Includes:

    • Interest on Checking
    • Unlimited Checking
    • Free Personalized Checks
    • Free Safe Deposit Box for one year
    • Bank Checks and Money Orders at No Issue Charge
    • Unlimited Savings Withdrawals
    • Accidental Death Insurance*
    • Credit Card Protection
    • Key Ring Protection
    • Car Rental Discounts
    • Hotel Savings Network
    • SojournsĀ® Magazine Subscription
    • Nationwide Discount Book

    *Insurance products are:

    • NOT A DEPOSIT
    • NOT FDIC INSURED
    • NOT GUARANTEED BY THE BANK
    • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY
    • SUBJECT TO LOSS OF VALUE


    Western Now Account

    • Minimum balance to open account: $2,500.
    • Maintain average collected balance of $2,500 to obtain disclosed annual percentage yield.
    • Interest compounded and credited every month.
    • Tiered rates.
    • No service charge for average collected balances $2,500 or more.
    • If average collected balance dips below $2,500 during a statement cycle, monthly fees apply as follows:
      - Maintenance fee of $6.
      - Per check fee of $0.30 for each check written.
    • Monthly statement includes check images.


    Western WHIP Account

    • Minimum balance to open account: $2,500.
    • Maintain average collected balance of $2,500 to obtain disclosed annual percentage yield.
    • Interest compounded and credited every month.
    • Tiered rates.
    • No service charge for average collected balances $2,500 or more.
    • Per item fee of $2 for each debit item in excess of six during a statement cycle.
    • Monthly statement includes check images.
    • Transaction Limitations: Transfers from a Money Market Transaction account to another account or to third parties by pre-authorized, automatic or telephone transfer are limited to six per calendar month.


    Western Premier Account

    A SPECIAL CHECKING ACCOUNT for our Premier customers who maintain a $25,000 deposit relationship and have at least three banking products with the bank.

    • Minimum balance to open account: $2,500.
    • Maintain average collected balance of $2,500 to obtain disclosed annual percentage yield.
    • Interest compounded and credited every month.
    • Tiered rates.
    • No minimum balance is required as long as a $25,000 deposit relationship is maintained with the bank. Should deposit relationship balance fall below the $25,000 a service fee of $12 will apply.
    • Monthly statement includes check images.


    Western Health Savings Account

    A Health Savings Account (HSA) is a tax-exempt trust or custodial account established for the purpose of paying or reimbursing qualified medical expenses of you, your spouse, and your dependents. Contributions to an HSA are tax deductible, the earnings grow tax deferred. Distributions to pay or reimburse qualified medical expenses are tax free.

    • Minimum balance to open account: $100.
    • Set-up fee: $25.
    • Maintain average collected balance of $2,500 to obtain disclosed annual percentage yield.
    • Interest compounded and credited quarterly.
    • Tiered rates.
    • If average collected balance dips below $300, a maintenance fee of $3 will apply every semi-annual statement cycle.
    • Semi-annual statement includes check images.


    Current Rates


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