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Love is in the Bear Referral Program

Money can't buy love, but a little love for the Bear is worth $50 for you and $50 for a friend or family member. How? Refer new customers and when they open an account, both you and your referral will each make $50. That's some serious love!

Existing Bear State Bank customers can refer their friends and family that do not already have a Bear State personal checking account. All current customers are eligible to refer- not just checking customers! Both the referrer and the new account holder will receive a $50 Visa Reward Card once the referral completes the below requirements:

  • Registers with ReferLive
  • Has one (1) or more direct deposits totaling at least $250, OR
  • Has ten (10) or more debit card transactions (excluding ATM withdrawals)

Earn up to $500 per calendar year simply by making referrals to Bear State Bank. Register with ReferLive and start earning $50 for those bear hugs!


Thinking of changing banks? Bear State Bank makes it easy! With ClickSwitch, you can quickly and securely switch your current automated payments and direct deposits from your previous bank to your new Bear State  Bank account. And, you can also close your old accounts. Call or stop by one of our branch locations and visit with a Customer Advocate who will be glad to help you ClickSWITCH to Bear State Bank today!

Once you have been provided with a SwitchTRACK code, check your inbox for a welcome email that will include instructions to begin using ClickSWITCH.


Visa® Debit Card

Use your free Visa® Debit Card to check your balances, transfer funds, and withdraw cash 24 hours a day at ATMs across the country. Save the hassle of writing a check when you're out shopping - use your Debit Card to make purchases, and the money is drafted directly from your account. Just present your card, sign, and go wherever you see the Visa symbol.

  • No charge per transaction at ATMs owned by Bear State.
  • If you have our Thrive checking account, any ATM fees anywhere are free!
    • $2 charge for each transaction at ATMs not owned by Bear State.
    • $2 charge for balance inquiries at ATMs not owned by Bear State.
  • No charge for debit card purchases.

Visa® Gift Cards

Bear State makes gift-giving easy. Visit one of our convenient Bear State Bank locations to purchase the easy-to-give Visa® Gift Card. You choose the amount and the recipient chooses what to buy. The gift card may be used anywhere Visa is accepted.


Safe Deposit Boxes

Bear State offers Safe Deposit Boxes at most of our locations for individuals, corporations, trusts, and non-profit organizations. Call or stop by the location most convenient for you and speak with a Customer Advocate for more information.