[AZ, ND, MN Only] $250 Western State Bank Checking Account Promotion

Update 2/28/26: Bonus is now $100 for free checking (previously no bonus) and $250 for VIP or VIP Plus Checking.Hat tip to ShawntheShawn

Update 4/7/25: Available in MN according to this link.

Offer at a glance

Maximum bonus amount: $100

Availability: Valid in branch only; must be within 60 miles of their locations in: Devils Lake, Towner, Fargo, West Fargo, North Dakota or Chandler, Casa Grande, Scottsdale, Arizona [AZ, ND only]

Direct deposit required: Yes, no minimum specified

Additional requirements: eStatements & cash & check card

Hard/soft pull: Soft pull

ChexSystems: Unknown

Credit card funding: None

Monthly fees: $10, avoidable

Early account termination fee: Unknown

Household limit: None listed

Expiration date: None listed

The Offer

Direct link to offer

Western State Bank is offering a bonus of $250 when you open a new VIP or VIP Plus personal checking account and complete the following requirements:

Enroll in eStatements

Open a Cash & Check Card

Can get a $100 bonus when you open a free checking account and complete the following requirements:

Enroll in direct deposit

Enroll in digital statements

Get a Western Debit Card

The Fine Print

Valid on new personal checking accounts only.The following criteria must be met to receive $100: Open a VIP or VIP Plus personal checking account, enroll in direct deposit, enroll in eStatements, open a Cash & Check 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

All bank account bonuses are treated as income/interest and as such you have to pay taxes on them

Avoiding Fees

Monthly Fees

Free checking has no monthly fee.

VIP Checking $10 Monthly Fee

It’s possible to avoid this monthly fee if you have a minimum balance of $500 or maintain $5,000 balance in Loans + Deposits

VIP Checking Plus $10 Monthly Fee

This account requires you to have a combined balance of $10,000 in deposit accounts or maintain $25,000 in Loan & Deposit balances

Early Account Termination Fee

I wasn’t able to find a fee schedule so I’m unsure if there is any early account termination fee or not.

Our Verdict

They did offer a $200 bonus before, that had more requirements but was still better than this bonus.Western State Bank has been getting more attention recently due to the 2.5% APY nationwide account they offer, but this deal will only be available in branch in AZ & ND unfortunately.

Because the $200 bonus was from way back in 2014 I don’t think we will see a better bonus than this in at least the short to medium term so I’ll add this towards the bottom of the best checking bonuses.

Useful posts regarding bank bonuses:

Disclaimer: This story is auto-aggregated by a computer program and has not been created or edited by mycardopinions.
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Frequently Asked Questions

Certainly. Unlike personal loans, you won't face any penalties for settling your balance ahead of schedule. However, it's crucial to keep in mind that if your credit card comes with a 0% introductory offer, it's essential to clear your balance completely before the 0% promotion expires and interest charges apply.

However, you can include additional cardholders, each with their own card. While sharing the single credit limit, the primary cardholder remains responsible for settling the debt.

Potentially, yes. Credit card APRs are typically variable, allowing lenders to change rates, impacting your monthly payments. Additionally, be mindful that introductory 0% offers can lead to higher interest rates once they expire. So, it's wise to clear your balance before that happens, if feasible.

Indeed, credit builder cards exist for those with less-than-ideal credit scores. These cards offer lower credit limits (typically £150 to £1,200) and higher interest rates. Responsible use, including full and on-time payments, can gradually boost your creditworthiness, potentially opening doors to better credit card offers down the line.