First Western Bank & Trust

Written by: Brady Drake

Introducing the New NDSU Credit Card

  • No Annual Fee
  • NDSU Branded Credit Card
  • Scorecard Benefits
    • Redeem for Merchandise, Travel, and Cash Back Rewards
    • Visit for a full list of benefits.
  • Available to all credit-approved NDSU Bison fans, 18 or older.
  • Apply at your local First Western location.
  • For more information visit

FREE GIFT with Credit Card Approval

NDSU Forest Buddy Stainless Steel, Universal Can Cooler for cans, slim cans, and bottles, One Per Credit-Approved NDSU Visa Application, While Supply Last.

Only available at Western Bank & Trust

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 one of our experienced commercial lenders to discuss the resources and tools we offer.

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


The right insurance coverage is important for the financial well-being of your business. Through First Western Insurance and many of the nation’s leading insurance providers, we can help make sure you’re covered for property, bonds, worker’s compensation and various types of liability including professional liability, employment practices liability and more.


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

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 and Crop Hall 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 and 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 even begin searching for the perfect home, beginning construction, or moving forward with your plans.

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 and 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.

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.

NDSU Products & Services

College Checking Account*

Are you a student age 18-23?

With our College Checking Account, enjoy:

  • NDSU Branded Debit Card (Optional) No Minimum Balance Requirement
  • Anywhere Banking Tools
  • Shop Local, Save Local with BaZing Savings
  • Cell Phone Protection
  • ID Theft Aid
  • ATM Surcharge Refund • Roadside Assistance
  • $25,000 Travel Accidental Death Coverage
  • Health Savings Card
  • Great Interest on your Checking Balance Buyer’s Protection and Extended Warranty
  • Free Cashier’s Checks and Money Orders

*Terms and conditions apply.

Visit for more information.

There’s something NEW coming near NDSU

We’re opening a First Western location in the “Bison Block” this Fall!

First Western Bank & Trust
1414 12th Ave N
Fargo, North Dakota 58102

First Western Bank & Trust

855 26th Ave East, West Fargo, ND 58078

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Brady is the Editorial Director at Spotlight Media in Fargo, ND.