Posted by William Charles on March 24, 2019
Bank Account Bonuses

Published on March 24th, 2019 | by William Charles


[AZ, ND Only] $100 Western State Bank Checking Account Promotion

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 $100 when you open a new VIP or VIP Plus personal checking account and complete the following requirements:
    • Sign up for direct deposit
    • Enroll in eStatements
    • Open a Cash & Check 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

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.

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They have very small footprints, but one hell if a stance.


are you sure this is in branch only? i do not see that in the small print and i see an option to open online.


The “Sign up for direct deposit” requirement; does that mean that they’d give you a form when you open their new bank account to fill out? Or does it work just like other bank account bonuses where you just need to make some ACH transfers with a certain amount?


The “direct link to offer” no longer works.

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