If you are interested in learning more about Western State Bank promotions, bonuses, and offers, be sure to keep reading!

Update 4/7/25: The availability for the offers has been reported to be in MN as well.

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About Western State Bank Promotions

For over 100 years, Western State Bank has been committed to executing its vision, which is to make its customer’s dreams come true. They value respect, teamwork, and integrity to make sure you have the help you need.

I’ll review the Western State Bank Promotions below.

Western State Bank $25/$50/$100 Checking Bonus

Earn a $100 bonus when you open a new checking account!

Western State Bank is offering a $25, $50, and $100 bonus when you open a new qualifying checking account.

What you’ll get: Up to $100 bonus
Account Type: Checking
Availability: AZ, MN, ND (Bank Locator)
Direct Deposit Requirement: Yes (see what works)
Credit Inquiry: Soft Pull
ChexSystems: Unknown
Credit Card Funding: None
Monthly Fees: $0-$10, avoidable
Early Account Termination Fee: Unknown
Household Limit: None listed

$100 Offer at Western State Bank

(Limited time offer)

For more advanced features in a checking account, compare this offer to:
BMO Smart Money Checking ($400 cash bonus*)	KeyBank Checking ($300 bonus)
Chase Private Client ($3,000 Bonus)	HSBC Premier Checking (Up to $3,000 Cash Bonus),

How To Earn Bonus

HOW TO EARN BONUSFINE PRINT

$100 Offer:

Open a VIP or VIP Plus Checking account
Enroll in direct deposit
Enroll in electronic statements
Get a Western Debit Card

$50 Offer:

Open a Free Checking account
Enroll in direct deposit
Enroll in electronic statements
Get a Western Debit Card

$25 Offer:

New Future checking customers will earn $25 with their first account

Valid on new personal checking accounts only.
In order to earn the $100 offer for opening a VIP or VIP Plus Personal Checking or the $50 for opening a Free Personal Checking account, the following criteria must be met: Enroll in direct deposit, enroll in electronic statements, open a debit card.
Reward will be credited to your new checking account within 60 days after direct deposit is received assuming account is open.
Limit one offer per person.
$50 minimum opening deposit is required to open a Free Personal Checking account, VIP Personal Checking account, VIP Plus Personal Checking account, or Future Checking account.
For VIP: $500 minimum balance to earn interest or maintain a $5,000 balance in any combination of deposit accounts; For VIP Plus: maintain $10,000 balance in any combination of deposit accounts or maintain a $25,000 balance in deposits and loans.
Annual Percentage Yield Variable Rate effective 1/2021; rate may change after the account is opened.
VIP tiers: $0-9,999.99 0.05%, $10,000 & up 0.05%. VIP Plus: 0.05% APY.
Offer available to new customers only.
Cannot be combined with any other offer.

Western State Bank $100 Referral Bonus

Earn a $100 bonus when you refer a friend!

Western State Bank is offering a $100 bonus when you refer a friend to open a new qualifying checking account.

What you’ll get: $100 bonus
Account Type: Checking Account
Availability: AZ, MN, ND

$100 Offer at Western State Bank

(No Expiration Date Listed)

You can compare this to several great entry level checking account offers:
BMO Smart Money Checking ($400 cash bonus*)	BMO Smart Advantage Checking ($400 cash bonus*)
Bank of America ($300 bonus offer)	Chase Total Checking^® ($300 bonus)
KeyBank Key Smart Checking ($300 bonus)	SoFi Checking and Savings ($325 bonus)

How To Earn Bonus

EARN THE BONUSFINE PRINT

Open a personal checking account.
Keep the account open and in good standing.

Customer can receive one incentive per new customer. Customers are responsible for any applicable taxes.
If an existing customer exceeds earning $600 per year, a 1099-MISC will be issued.
Offer subject to change at the bank’s discretion.
Member FDIC.

How To Waive Monthly Fees

Free Checking: None
Future Checking: None
Free Business Checking: None
VIP Checking: $10 monthly fee. Maintain a $500 minimum average daily balance or maintain a $5,000 balance in loans and deposits to avoid the monthly account fee
VIP Plus Checking: $10 monthly fee. Maintain a $10,000 minimum average daily balance or maintain a $25,000 balance in loans and deposits to avoid the monthly account fee
Small Business Interest Checking: $10 monthly fee. Maintain a $2,500 minimum average daily balance to avoid the monthly account fee (No minimum balance requirement for non-profit organizations)
Business Checking Plus: $10 monthly fee Earnings Credit allowance (based on your balances) may offset some or all of your monthly fees

Bottom Line

Western State Bank is great because they offer a large bonus when you refer a friend to open a new account. I recommend you open the Free Checking account to avoid any monthly service fees.

However, while they have generous bonuses, Western State Bank doesn’t have great rates for CDs and Savings. Furthermore, you may want to check out our full list of Bank Rates and CD Rates.

Compare Western State Bank Promotions with other bank bonuses from banks like Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, BMO Harris, SoFi, Bank of America, Wells Fargo, and more!