Western State Bank Offer

Bonus Details

Earn $250 with VIP or VIP Plus Checking, $100 with Free Personal Checking, or $50 by opening Future Checking (for ages 17 or younger). The $250 and $100 bonuses are credited within 60 days after direct deposit is received, provided the account remains open.

How To Qualify

New customers only; open an account with at least $50. For the $250 VIP/VIP Plus or $100 Free Personal Checking bonus, enroll in direct deposit and eStatements and get a Western Debit Card. Keep the account open through qualification and payout. Limit one offer per person; cannot combine with other offers.

APY Details

VIP and VIP Plus Checking earn 0.05% APY, variable; rates effective January 2026 and subject to change after opening.

The Fine Print

Monthly Fees: $10
Credit Inquiry: Soft Pull
Household Limit: None listed
Account Type: Personal Bank Account
Expiration Date: None Listed
Availability: Arizona, North Dakota

Monthly Fee Details

VIP/VIP Plus: $10 monthly unless balances stay above waiver minimums throughout the month. VIP: $500 in deposits or $5,000 in loans/deposits. VIP Plus: $10,000 in deposits or $25,000 combined loans/deposits. Free Personal and Future Checking: no monthly fee.

Official offer terms

Source wording for the promotion. View official source Recorded Invalid Date.

*Valid on new personal checking accounts only. In order to earn the $250 offer for opening a VIP or VIP Plus Personal Checking or the $100 for opening a Free Personal Checking the following criteria must be met: enroll in direct deposit, enroll in eStatements, 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 required to open a Free Personal Checking Account, VIP Personal Checking Account, VIP Plus Personal Checking Account, or Future Checking Account. For VIP: Maintain $500 balance in any combination of deposit accounts or maintain a $5,000 balance in loans or deposits. 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 1/2026; 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 only to new customers. Cannot be combined with any other offer. To earn the bonus, all listed requirements for the applicable account must be completed, and the account must remain open through the qualification period.