WesternBank is a financial institution that provides a full-range of mortgage lending and personal and business financial services. Founded in 1904 as Western State Bank and merged with Home State Bank in 1927. Its personal division offers freedom, signature series and preferred plus checking accounts. WesternBank also provides holiday club savings and individual retirement accounts and certificates of deposit. The bank s loan program includes auto, recreational vehicle and home improvement loans. It offers loans for homes, autos, motorcycles, mobile homes, snowmobiles, businesses, contractors and workers compensation. WesternBank s commercial division provides commercial and small business checking and regular business savings accounts. The company s commercial services include merchant deposit capture, merchant card processing, electronic payment services and cash management. WesternBank has a presence in Duluth, Minn.