No stored Google rating available.
Community bank with 100+ years of history offering FDIC-insured checking, savings, CDs, and online banking services.
Data compiled from public sources
Western National Bank is a traditional community bank based in Duluth that has operated for over 100 years, positioning itself as a locally-focused financial institution committed to serving customers and the surrounding community. The bank provides standard retail banking products including checking and savings accounts, certificate of deposit (CD) products, online banking, and mobile banking capabilities. S.
Government, which protects customer funds up to applicable limits. The bank emphasizes its community values and long-standing presence as differentiators in an increasingly digital banking landscape. Western National Bank's service offerings include online banking platforms, mobile banking applications with mobile deposit functionality, and personal banking solutions accessible through their website.
They currently advertise a 9-month CD special available for a limited time. The bank provides both personal and business banking options, with external links to dedicated portals for each customer segment. Mobile deposit allows customers to deposit checks remotely, and the institution promotes 24/7 account access through digital channels.
Their physical locations and hours are referenced but not detailed on the homepage. What distinguishes Western National Bank is its emphasis on community banking values and over a century of operational history in the Duluth market. Unlike larger national banks, they market themselves specifically as a community-oriented institution with local accountability.
The availability of promotional CD rates and modern digital banking tools (mobile deposit, online banking, mobile banking) suggests they balance traditional community banking with contemporary financial technology. Western National Bank appears to be a solid option for customers seeking traditional banking services from an established, FDIC-insured institution with community roots. However, the website provides limited detail about specific account features, fee structures, interest rates (beyond the 9-month CD promotion), minimum deposit requirements, or business banking specifics.
Customers researching this bank will need to contact them directly or visit branch locations for comprehensive product information and competitive rate comparisons.
This is state-level context for Banks consumers in Duluth, MN. It does not confirm that Western National Bank or this specific location is licensed.
State regulator
Minnesota Department of Commerce
Consumer protection
Source: CreditDoc state-law summary and listed public regulator resources. Verify licensing directly with the listed state regulator before relying on a provider.
Western National Bank processed 68 mortgage applications in 2023, with 91.2% recorded as approved across 3 states.
68
Applications
91.2%
Approval Rate
$164K
Avg Loan
3
States Served
Based on 68 applications. Income in thousands (reported by applicant).
Source: CFPB Home Mortgage Disclosure Act (HMDA) Data, 2023. Applications include originated, approved, and denied loans.
Western National Bank offers 12 services including Checking accounts, Savings accounts, Certificate of Deposit (CD) products, 9-month CD special promotion, Online banking platform, and 7 more.
Western National Bank has profile signals associated with Duluth-area residents seeking traditional banking from an established local institution, Customers prioritizing FDIC insurance and community banking relationships, Business owners in the region looking for local commercial banking services, Savers interested in promotional CD rates with competitive terms.
Key strengths: FDIC-insured deposits backed by U.S. Government full faith and credit protection; 100+ years of operational history and community banking presence in Duluth; Mobile deposit functionality for remote check deposits. Areas to consider: Website lacks specific information about account types, fees, and minimum balances; Interest rates not disclosed except for limited-time CD promotion.
In the Banks category, comparable providers include Alliance Bank, American Heritage National Bank, Ameriprise Bank, FSB. Each company has different strengths, so compare services, pricing, and consumer complaint records before deciding what to do next.
CreditDoc Profile Note
Western National Bank is profile signals for Duluth-area customers seeking traditional community banking with FDIC protection and modern digital conveniences. The main caveat is that the website provides minimal detail about specific products, rates, and fees—customers must contact the bank directly for comprehensive product comparison and rate information.
Alliance Bank Lake City, MN — FDIC-insured community bank headquartered in St. Paul, Minnesota, offering checking, savings, mortgages, business banking,...
Profile signals: Minnesota-based farmers and agricultural business owners needing listed lending, Small business owners in Minnesota seeking integrated payroll and cash management tools
Community bank in St. Cloud, Minnesota operating since 1881 with six locations. Offers personal, business, and wealth management services with distinctive log cabin architecture.
Profile signals: Central Minnesota residents seeking personalized banking relationships with a locally-rooted community bank, Small business owners in St. Cloud, Clearwater, Avon, Long Prairie, or Browerville wanting local decision-making
Ameriprise Bank, FSB is a diversified financial services firm offering financial planning, investment advisory, and banking services through a network of dedicated advisors.
Profile signals: Individuals seeking comprehensive financial planning with dedicated advisor relationships, Investors looking for integrated wealth management and investment advisory services
Answer 3 quick questions to review category, service, and profile context.
1. What's your primary financial goal?
A plain-English breakdown of every credit score range — what each number actually means for your loans, cards, and daily life, plus exactly what to do about yours.
Read guide →A plain-English breakdown of what credit products, loans, and cards you can realistically get at every credit score level — from deep subprime to excellent.
Read guide →Learn exactly how to check your credit score for free using legitimate sources, understand the difference between soft and hard inquiries, and know your rights under federal law.
Read guide →Affiliate Disclosure: CreditDoc may earn a commission when you click links to Western National Bank and other services. These commissions help us maintain our free research. Compensation does not determine whether a provider can be covered; visible star ratings use stored Google review ratings when available. Learn more.