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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.


SecureLOCK Communicate

Bear State Bank is pleased to announce that beginning June 28th, a new service – SecureLOCK Communicate – a newly launched fraud alert management service, will be available for your debit card. SecureLOCK Communicate is designed to provide you – our customer, with the opportunity to interactively engage in our fraud protection and detection strategies and decrease fraud losses. SecureLOCK Communicate includes real-time, two-way SMS text for quicker fraud identification and prevention, as well as interactive voice and email fraud notifications if no response is received from you by text or phone calls. 
Here is an example of the alert message:
FreeMsg: Bear State Bank Fraud Dept 8662423324: Suspicious txn on acct 1111: $201.99  STORE. If authorized reply YES, otherwise reply NO. To Opt Out reply STOP.
If the customer replies YES the case will be closed as not fraud and they will receive the following response:
FreeMsg: Bear State Bank Fraud Dept: Thank you for confirming this activity. Your account is safe for continued use. To Opt Out reply STOP.
If they reply NO the cardholder will receive the following response:
FreeMsg: Bear State Bank Fraud Dept: Thank you. We will call you or you can call us anytime at 866.242.3324. To Opt Out reply STOP.

Please take the time to verify that Bear State Bank has current contact information for you. 


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.
    • $1 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.