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Refer-A-Friend

Refer A FriendRefer-A-Friend* and receive a $50 Cash Reward from Western when a friend or family member, who you refer, opens either of the following products and services:

  • Personal Checking
  • Money Market Account

Click here for the required coupon** to complete and give to a friend or family member who is interested in receiving the same great benefits as you from a Western State Bank checking or money market account.

Contact your local Personal Banker for more information.

Frequently Asked Customer Questions

Q:  Which accounts qualify for this program?
A:  When a referral is made for a new personal checking or money market account, the person making the referral is eligible to receive the $50 Cash Reward when the new account is opened.

Q:  How is a new customer defined?
A:  A new customer for this program is considered someone who has not had a bank relationship in the past two years with Western. A bank relationship is defined as having any product or service with Western State Bank. Western Investment customers are eligible to receive the incentive.

Q:  My spouse is not a customer? Can I refer him?
A:  The referral cannot be made to someone in your same household. Family members living outside of your household can be referred.

Q:  I do not currently have a personal checking or money market account with Western. I currently just have a personal CD (certificate of deposit). Can I refer someone? 
A:  Definitely! As long as the customer has not had any bank products with Western in the past two years you can refer them and receive the $50 Cash Reward. I would invite you to consider opening an account also. Click here to learn about 200 ways to enjoy banking at Western! 

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Q:  How will I be notified if someone opens an account from my referral?
A:  $50 will be deposited into your checking/savings account within 30 days of the account opening. Unfortunately, due to privacy regulations, we cannot disclose if the customer does not qualify for the account.

Q:  What if the person referred is unable to open the account?
A:  Unfortunately, due to privacy regulations, we cannot disclose if the customer does not qualify for the account.

Q:  What if the person referred chooses to not open an account?
A:  You will not be awarded the $50 Cash Reward if the account is not opened. You can continue to distribute the coupons to other interested family and friends.

Q:  Will you open the account if my friend does not bring in the Refer-A-Friend coupon?  
A:  By presenting the coupon, your friend grants permission to Western to disclose that you are a customer of the bank and contains the necessary information for you to receive your $50 Cash Reward. If your friend does not bring the coupon to the bank and an account is opened, we will ask him/her to please drop off or mail in the coupon to the personal banker who opened the account within 5 business days.

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Q:  Is the new customer required to keep their account open for a certain period of time?
A:  The new customer is not required to keep their account open for a certain time. However, the $50 Cash Reward will not be deposited into your account unless the account is still open. The $50 Cash Reward will be deposited within 30 days of the account opening.

Q:  Is there a limit of the number of referrals that can be made?
A:  There is not a limit of the number of referrals which can be made. However, if you refer more than 24 people who open accounts as a result of your referral and you receive $600 or more in incentives, this will need to be reported on your tax return.

Q:  Will interest need to be reported on my tax return?
A:  As long as less than $600 has been received from cash and prizes from Western, there will not be a 1099 form distributed. If more than $600 is gifted, Western is required by law to report this to the Federal Tax Reserve. The applicable taxes would be the responsibility of the gift recipient.

Q:  How long will it take to receive my $50 Cash Reward?
A:  The $50 Cash Reward will be deposited within 30 days of the account opening.

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Q:  Who should I contact with questions on the Refer-A-Friend program?
A:  For questions regarding the Refer-A-Friend program, please contact a Personal Banker at your local Western State Bank or e-mail personalbanker@westernbanks.com for additional information.

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* Valid on personal checking accounts or TMA only. New customer must present coupon at account opening. Account opening is subject to normal procedures. New customer must not have had bank relationship in the past two years from date of account opening (excluding Western Investments) and must be of a separate household of existing customer (referrer). Western State Bank will automatically deposit $50 into the existing customer's account after 30 days of the new customer opening a personal checking or Treasury Market account. Customers are responsible for any applicable taxes. Customer can receive one incentive per new customer. Existing customer is limited to making referrals to not exceed earning $600 per year (per Compliance). If this limit is exceeded, a 1098 will be issued. Offer subject to change at bank's discretion. See bank for details. Member FDIC.
Adobe Reader** The coupon is in Adobe Acrobat format. If you do not have Adobe Acrobat, click the following picture for a free download. After completing the coupon, please give to a friend or family member.