Frequently Asked Questions

Debit Cards: You can report your card lost/stolen, or turn it on/off, anytime through Online Banking or the MyFirstWestern app.

Credit Cards: Call us at 1-800-688-2584, or after hours, call 1-866-604-0381.

For additional help with Debit or Credit cards, call us at 1-800-688-2584.

The First Western Bank & Trust routing number is: 091310440.

Size and availability varies by location. Please contact us for more information.

You can access your safe deposit box during lobby hours.

Yes, if a parent or guardian is on the account and also signs for the card.

Loan payments can be mailed by all customers to the Main Bank:

First Western Bank & Trust
PO Box 1090
Minot, ND 58702-1090

To open an account, you’ll need a valid photo ID and your Social Security number. A minimum opening deposit may be required, depending on the type of account. Please visit our Checking & Savings account page for more information.

Yes, and there is no charge for customers. There is a 2% / $5.00 minimum fee for non-customers.

Call Us

• Call us at 1-800-688-2584 to request a Stop Payment.
• There is a fee.
• You will need the check number, amount of check, date written and payee name.

You can find our ATMs along with other MoneyPass ATMs on our ATM locator.

For CDs issued before October 1st, 2014:

If you are unable to locate the CD we require identification to cash the CD plus a $10 indemnity bond fee.

      *CDs issued after October 1st, 2014 are digital and proper identification is the only information needed to cash the CD.

Yes, if you withdraw funds from a Certificate of Deposit before the maturity date, an early withdrawal penalty will typically apply. Early withdrawals are subject to our approval and may result in a loss of interest or principal, depending on the terms of your CD.

Mobile Remote Deposit allows you to deposit your checks from the MyFirst Western app on your mobile device.

Effective May 11, 2018, new rules become effective that will expand customer due diligence requirements for banks.  These rules are an important part of assisting the government in the fight against financial crimes and national security threats.   

What is required under the new Customer Due Diligence (CDD) rule?

All banks and credit unions will be required to implement enhanced procedures used to identify and verify the beneficial owners of legal entity customers each time a new account (checking, savings, loan, safe deposit box, Certificate of Deposits) is opened. 

Who is defined as a beneficial owner? 

Each individual, if any, who directly or indirectly, through any contract, arrangement, understanding, relationship or otherwise, owns 25 percent or more of the equity interests of a legal entity customer AND a single individual with significant responsibility to control, manage, or direct a legal entity customer including an executive officer or senior manager (CEO, CFO, COO, Managing Member, General Partner, President, Vice President, or Treasurer or any other individual who regularly preforms similar functions).

Who is defined as a legal entity customer?

A legal entity customer is defined as a corporation, LLC, or other entity created by the filing of a public document with the Secretary of State or similar office, a general partnership, and any similar entity formed under the laws of a foreign jurisdiction.  This also includes limited partnerships and business trusts that are created by filing with the state office and any other entity created in this manner. 

It does not include sole proprietorships, unincorporated associations, or natural persons opening accounts on their behalf. 

What type of information is required to be collected from beneficial owners?

Name, address, date of birth and social security number or other government identification number, such as a passport, for individuals that own 25% or more of the equity interest of the legal entity customer, and individuals with significant responsibility to control, manage or direct the legal entity customer. 

What information will be required prior to opening an account for a legal entity customer? 

We will ask you to provide us with:

• Copies of business documents proving ownership and organization
• Business Tax Identification Number (EIN)

We also ask that you contact us promptly upon any change in beneficial ownership information during your relationship with our bank.