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Western State Bank


Looking for something more out of your banking relationship? Western has programs available which accompany many of our products and services so you can receive excellent benefits, save money and possibly even earn money!

  • Refer-A-Friend

    Refer-A-Friend* and receive a $100 Cash Reward from Western when a friend or family member, who you refer, opens a Personal Checking Account.

    Give this coupon 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, the person making the referral is eligible to receive the $100 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: How will I be notified if someone opens an account from my referral?
    A: $100 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 $100 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 $100 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.

    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 $100 Cash Reward will not be deposited into your account unless the account is still open. The $100 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 6 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 $100 Cash Reward?
    A: The $100 Cash Reward will be deposited within 30 days of the account opening.

    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 for additional information.

    * Valid on personal checking accounts only. See bank for details. Member FDIC.

  • 100 Ways to Earn

    Here's 100 Extra Ways to enjoy banking with Western! Open a new checking account* & receive up to $100! See criteria below for how it works:

    $100 Offer:

    • Open a VIP or VIP Plus personal checking account
    • Sign up for direct deposit
    • Enroll in eStatements
    • Open a Cash & Check Card

    $50 Offer:

    • Open a Free personal checking account
    • Sign up for direct deposit
    • Enroll in eStatements
    • Open a Cash & Check Card

    $25 Offer:

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

    Open a new checking account with Western today to take advantage of this great offer.

    *Valid on new personal checking accounts only. To receive $100 the following criteria must be completed: open a VIP or VIP Plus personal checking account, sign-up for direct deposit, enroll in eStatements, open a Cash & Check Card. The 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. $500 minimum balance required to earn interest in VIP checking account. Annual Percentage Yield of .05% applies, variable rate effective as of 11/16. Fees may reduce the earnings on account.

  • Move on Over Kit

    If you thought it was hard to switch banks, think again. At Western we make it easy to move over your accounts. Our Personal Bankers will help you every step of the way.

    Make the switch a smooth transition. After you have opened your checking account, select the appropriate document(s)*, complete and return to a Personal Banker at your local Western State Bank or stop by and visit with a Personal Banker to fill out the documents together. Either way, we will help you through the entire process to make your move simple.

    • Account Inventory Checklist - Use this list to help identify those accounts that you would like to link directly to your new account.
    • Automatic Payment Request Change - This form is filled out for any business that will accept automatic payment from Western State bank. Please be sure to include a voided check with this completed form.
    • Direct Deposit Request Change - This form is used for any check that you would like to have direct deposited into your Western State Bank Account. Please be sure to include a voided check with this completed form.
    • Account Closure/Withdrawal Request - This form authorizes your current bank to close your accounts.
  • Pays for A’s

    Students in grades 6-12 can bring their report card into their local Western State Bank and receive $1 for each "A" they earn. In addition to that, each "A" counts as one entry for the chance to win a $250 Savings Scholarship.

    Drawings will be held approximately one month after the second and fourth quarters. Students do not have to be a Western customer to participate. Bring your report card to Western today or visit with a Personal Banker for more details.

  • Western@Work

    (Links to relevant section in Business)

  • Freedom Banking

    Freedom Banking is designed specifically for those serving or who have served in any branch of the United State Military.* This package consists of the best products and services that we can offer to you as our thanks:

    • VIP Account with no minimum balance requirement
    • Interest bearing checking account
    • Free single or duplicate Western checks, $10 discount on other designs*
    • Say Goodbye to ATM Fees - Automatic reimbursement!*
    • Free Online Banking
    • Free Standard Bill Pay Banking
    • Free Mobile Banking
    • Free MasterCard® Gift Cards - up to 10 per year
    • Identity Theft - Free protection up to $5000 expenses*
    • No Annual Fee on Instant Credit (OAC)
    • Bonus of 10 Basis Points on CD's - renewals and new
    • Discounted installment loans of up to 0.25%
    • No Documentation Fee on Consumer Loans ($100 value)
    • No Documentation Fee on Home Equity Loans ($100 value)
    • Discounted Mortgage Loan origination fees (up to $500)
    • 10% Discount on Safe Deposit Boxes
    • Free travelers checks, cashiers checks and money orders

    Click here to email a Personal Banker for more information on how you can be a part of Freedom Banking.

    *Limitations do apply. See bank for details.

  • Good Neighbor Club

    Have some fun and enjoy the many benefits of the Good Neighbor Club! To qualify for membership you must be 50 years or older, have a VIP, VIP Plus or Treasury Market Accounts and maintain a minimum balance of $10,000 in any combination of deposit accounts, loans or investments. Or pay a low $10 monthly fee to enjoy the excellent benefits if your combination of accounts does not reach the $10,000 minimum.

    Club Benefits

    • VIP Interest Checking - No minimum balance required
    • Free Western Checks on every order (or $10 discount for alternative design)
    • Say Goodbye to ATM Fees - Automatic reimbursement!*
    • Free Safe Deposit Box Rental For A Year
      (10% discount after the first year)
    • No-fee Overdraft Protection
    • No-fee Traveler’s Checks**
    • No-fee Money Orders
    • No-annual-fee Western Check Card or Cash & Check Card***
    • A bonus of 20 basis points on CD purchases or renewals
    • Free notary and signature guarantee service
    • Free Cashier's Checks
    • Free copies (limit 10 per month)
    • Fax service (limit two per month)
    • Terrific Travel Opportunities! Travel to exciting locations throughout the U.S. , or excursions to area points of interest, at special prices
    • Exclusive Entertainment! Invitations to parties, activities and other special events
    • Financial Planning Services!
    • $25 deposit into a new Lil' Buckaroo Savings Account for family members****
    • Seminars covering important issues for 50+ individuals and families
    • Access to experienced investment representatives
    • Referrals to financial and legal experts

    Contact your local Personal Banker in your area for more details on our Good Neighbor Club.

    *Limitations do apply. See bank for details.
    **Excludes checks for two.
    ***Surcharge may apply if used at another financial institution.
    ****$25 credited to account at opening. Annual Percentage Yield of .05% applies;variable rate effective 11/2016. Fees may reduce earnings on account.

  • Lil’ Buckaroo Savings Account

    Teach children to save at an early age and they will learn excellent savings habits. This account is a unique educational savings program for children which teaches saving can be fun and rewarding.

    • No minimum balance required
    • Educational savings program for children up to 12 years old
    • No monthly service charge
    • Learn how to earn, save and exchange money
    • Receive gifts and earn a bonus in the form of Lil' Buckaroo Bucks from each $10 deposit to purchase items in the Lil' Buck Shop
    • Receive invitations to events throughout the year
    • Receive newsletters throughout the year
    • Interest compounded/ paid quarterly
  • Future Checking Scholarship

    All full-time students with Future Check Accounts are eligible for the chance to win a $300* scholarship awarded each year by Western. 

    To apply, students must meet the following criteria:

    1) Students must have received a high school diploma or GED by Spring/Summer 2018.

    2) Students must have proof that they have been admitted to a post-secondary institution as a full-time student.

    3) Students must be registered and enrolled for the Fall 2018 semester.

    4) Students must have a Future Checking account, in good standing, with Western State Bank.

    *High school seniors & full time college students eligible for $300 scholarship.

    Click here to download the Future Checking Scholarship application!




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