Western Explorer
Minimum balance to open account: $500.00
No maintenance fees or per item fees.
Check images are not returned with the monthly statement. Duplicate checks are required.

Western Pioneer
Minimum balance to open account: $500.00
Unlimited check writing.
No service charge for average collected balances $500.00 or more.

If the average collected balance dips below $500.00 during a statement cycle, monthly fees are as follows:

  • Maintenance fee of $4.00.
  • Per item fee of $0.20 for each debit transaction (withdrawal, check paid, automatic transfer, preauthorized withdrawal, or payment out of this account)

Service charge fees waived for senior citizens (62 years of age)


Western Quality Club Checking Account

Quality Club membership offers you about all the banking services you'll ever need for one low monthly fee. Membership includes:

  • Interest on Checking
  • Unlimited Checking
  • Free Personalized Checks
  • Accidental Death Insurance*
  • Credit Card Protection
  • Emergency Cash Advance Service
  • Key Ring Protection
  • Preferred Rate on Installment Loans
  • Free Safe Deposit Box for a Year
  • SojournsĀ® Magazine Subscription
  • Nationwide Discount Book
  • Travelers Checks and Money Orders at No Issue Charge
  • Unlimited Savings Withdrawals
  • $5 Bonus for Saver
You must deposit $500.00 to open account.
You must maintain a minimum average collected balance of $1,000.00 to obtain the disclosed annual percentage yield.
Monthly statement cycle includes check images.
Current rates.
Call or contact us for monthly fee options and current rates.

*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: $2,500.00
Must maintain average collected balance of $2,500.00 to obtain disclosed annual percentage yield.
No service charge for average collected balances $2,500.00 or more.

If average collected balance dips below $2,500.00 during a statement cycle, a monthly fee is charged as follows:

  • Maintenance fee of $6.00
  • Per check fee of $0.30 for each check written.
Monthly statement cycle includes check images.
Interest compounded and credited every month.

Western WHIP Account
Minimum balance to open account: $2,500.00
Must maintain average collected balance of $2,500.00 to obtain disclosed annual percentage yield.
No service charge for average collected balances $2,500.00 or more.
Per item fee of $2.00 for each debit item in excess of six during a statement cycle.
Tiered rates.
Monthly statement cycle includes check images.
Interest compounded and credited every month.
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 with no more than three by check, draft, or similar order to third parties.

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