First Western Bank & Trust: You Can Bank On Us

Written by: Fargo Inc

At First Western Bank & Trust, we like to say, “You can bank on us.” It means you can count on us to make decisions locally for your personal banking, business banking, ag banking, trust services, insurance and mortgages serviced by us.

We see people full of potential, and work hard to provide them with the personal, business, and agricultural financing they need. We’re an independently owned bank offering a full range of financial products. You can count on us to provide you with the conveniences and innovative solutions you want.

Business Banking

Whether you are a new or seasoned entrepreneur, the business bankers and lenders
at First Western Bank & Trust have the expertise to meet your business banking needs. From small business lending to specialized business products and services, all decisions are made locally. No business is too small or too large for us.

Business Accounts

To best serve you and your business, First Western offers a variety of business and nonprofit checking and savings accounts and services with options to save you time and money. Choose from accounts that offer lower minimum balances or opening balances, accounts that are interest bearing, and accounts that come with our professional account analysis services.

Business Financing

First Western Bank & Trust provides lending options for all business owners. We are a certified SBA lending institution, and we work with the Bank of North Dakota to provide you with programs that best fit your business. Please visit with one of our experienced commercial lenders to discuss the resources and tools we offer.

Business credit card, Commercial real estate loans, Term loans, Working capital loans / lines of credit, Special loan programs, Letters of credit

Online Services for Business

Businesses need more than just access to the standard online services like fund transfers, loan and bill payments, eStatements, and initiating wire transfers. That’s why First Western Bank & Trust offers solutions specifically for creating business efficiency.

Cash Management

Commercial Cash Management is a service for businesses looking for an online financial management tool. With it, you can originate ACH files, credits or debits for direct deposit of payroll or collection of receivables.

Remote Deposit

Easily deposit checks electronically without a trip to the bank. We provide and install your new check scanner. There is no need to purchase or maintain software — it’s all web-based. Our local staff will come to you for set up, hands-on training, and ongoing support.

Ag Banking

Michael Schaefer, VP Ag Lending

The Ag Lending staff at First Western Bank & Trust understands the financial constraints placed on our local farmers and ranchers. Your expenses are paid at retail and your income is at wholesale. You put in the long hours and the late nights because your operation is your way of life. For over 40 years, we have been there with you. We offer ag financing in-house or jointly with the Farm Services Agency and Bank of North Dakota.

Annual Operating Loans and Lines of Credit, Livestock Purchases, Ag Machinery / Equipment Purchases, Farm Infrastructure, Ag Real Estate, Crop Hail Insurance

Let one of our experienced and trusted Ag Lenders help you build a better tomorrow for your business!

Mortgage Loans

Buying a home is one of the most important financial decisions you’ll ever make. When you need financing to make your dream home a reality, First Western Bank & Trust is here for you with local decision-making and loan servicing. We offer all types of mortgage loans including:

Conventional loans, FHA loans, VA loans, First-time home buyer loans, Construction loans, Home equity loans, Home equity lines of credit

We can help you find the mortgage product that best fits your criteria and get prequalified. That way, you know what you can afford before you begin the search for your perfect home or begin the planning and building process.

Trust Services

Financial security and wealth management are an integral part of how we help individuals, families and business owners benefit from their resources now and in the years to come. First Western Bank & Trust delivers trust services on a local level. Whether you are an individual or an employer in need of retirement plans, investments or other ways of protecting your assets, our experienced and tenured staff are here to help.

Asset and investment management

We can help tailor investment options to meet your goals. Our team has the expertise to manage portfolios for trust investments, retirement accounts and other investing needs.

Employer-provided retirement plans

Employers can offer their employees attractive benefits with help from our team. With administrative investment, administrative and trustee services available, we offer profit-sharing plans, employee 401(k) plans, individual 401(k), and safe harbor 401(k) plans for a variety of needs.

Individual retirement accounts (IRAs)

Let us help you find the best choices for traditional and Roth IRAs, so you get the best tax benefit and funds that help you reach the retirement you deserve.

Personal trust and investment services

We can help make sure your wealth is both protected and used according to your wishes in the future. Services we provide include living trust, testamentary trust, charitable trusts, mineral trusts, managing agent for investments, or farm and land.

Online Services

Online banking is available for all personal and business accounts at First Western Bank & Trust. This allows you to bank at your convenience with instant access to your accounts 24 hours a day, 7 days a week. Transfer funds, make loan and bill payments, check balances and set up important alerts. You can also take advantage of Zelle®, the handy person-to- person payment app.

Diana Chase, VP Universal Banking Manager & Senior Consumer Lender NMLS # 636678

iPay (Bill Pay)

Pay your bills from anywhere, at any time with iPay. You can receive helpful email or text reminders when payments are due, send payments with a simple click, and automate recurring payments so your bills are always paid on time.


View your monthly statements electronically through our website.

Mobile Banking

For banking on the go, our new mobile app is a cleaner, simpler, more secure platform than ever — available for both iOS and Android devices.

Zelle® person-to-person payment

Zelle® is a great way to send money to friends and family, even if they bank somewhere different than you do. (They must have a checking or savings account at a participating bank in the United States.) It’s fast and free to use, so it’s easy to pitch in or get paid back for all sorts of things.

First Western Bank & Trust

855 26th Ave East, West Fargo, ND 58078


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Brady Drake is the editor of Fargo INC!