Online, Not in Line.

Need to open a checking or savings account but don't feel like driving to the bank and adulting today?

Hey, we've been there too. Grab a cup and your smartphone, sit down and do it all from the convenience of your home, office, coffee shop or bike trail bench. Skip the line when you apply online.

LET'S GET STARTED

iPhone screen showing Bear State Bank

Bear State Checking

All checking accounts come with the following free benefits:

  • Visa ATM/Debit Card

    All checking accounts come with a free Visa ATM/Debit Card
  • Online Banking

    All checking accounts come with free online banking
  • Bill Pay

    All checking accounts come with free bill pay
  • eStatements

    All checking accounts come with free eStatements
  • Mobile Banking

    All checking accounts come with free mobile banking
  • Mobile Remote Deposit

    All checking accounts come with free mobile deposit.

Checking Account Options

Rack up the Points, Rake in the Rewards!

Bear Buzz Checking with Buzz Points rewards you with valuable points every time you make a purchase with your Bear State Bank debit card. And if you're like us in that you really like to keep it local, you'll really rack up the points!

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  • $100 opening deposit

  • FREE UNLIMITED ATM USE

    We understand that the most convenient bank location is always the one nearest you.

  • THE BUY DOWN FEATURE

    $6 monthly maintenance fee is reduced by $.20 with each debit card transaction. With 30 debit card transactions in a month, your account pays for itself.*

  • ESTATEMENT ENCOURAGED

    If you prefer to receive a paper statement, a $2 fee will apply.


*ATM transactions do not apply. Transactions must post to the account within the statement cycle to qualify.

If you are 50 or better, this account is in your best interest.

Bear Buzz Checking with Buzz Points rewards you with valuable points every time you make a purchase with your Bear State Bank debit card. And if you’re like us in that you really like to keep it local, you’ll really rack up the points!

Apply Now
  • $100 opening deposit

  • Earns Interest

  • FREE UNLIMITED ATM USE

    We understand that the most convenient bank location is always the one nearest you.

  • THE BUY DOWN FEATURE

    $6 monthly maintenance fee is reduced by $.20 with each debit card transaction. With 30 debit card transactions in a month, your account pays for itself.*

  • ESTATEMENT ENCOURAGED

    If you prefer to receive a paper statement, a $2 fee will apply.


*ATM transactions do not apply. Transactions must post to the account within the statement cycle to qualify. A $2 monthly paper statement fee may apply.

Why complicate things?

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  • $100 opening deposit

  • Avoid Maintenance Fee

    Keep your balance above $500 and avoid the $5 monthly maintenance fee

  • eStatements

    Save a tree and a dollar. Sign up for eStatements and if you have a monthly maintenance fee, we'll knock $1.00 off it.

The smart choice for those still in school!

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  • Earns Interest

  • $100 opening deposit

  • Free Unlimited ATM Use

  • Oops Protection

    First Overdraft fee is automatically waived. We like to call it Oops Protection.

  • eStatement is required

  • The Buy Down Feature

    The $3 monthly maintenance fee is reduced by $.20 with each debit card transaction. With 15 debit card transactions in a month, your account pays for itself. *


*ATM transactions do not apply. Transactions must post to the account within the statement cycle to qualify.

Savings Account Options

When your interest is saving, we're here to help you grow.

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  • Earns Interest

  • $100 opening deposit

  • Erase the Fee

    As long as your balance stays above $100, you will not receive the $5 monthly maintenance fee.


*Limited to 6 withdrawals per month.

Saving for a special occasion? This may interest you.

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  • Earns Interest

    Interest is credited at the end of the 12-month term of your choice between February, May or October. We send your balance along with interest for you to spend on that special occasion.

  • No Minimum

    No minimum opening deposit required

  • No monthly maintenance fee

  • Free First Withdrawal

    First withdrawal is free. $5 for each withdrawal after

About the Process

What You'll Need

  • Social Security Number
  • Valid Driver's License, State ID, Military ID, or Passport
  • Credit or Debit Card, or U.S. checking or savings account number and bank routing number to fund your new account(s)
  • Valid email address where we can send important account information
  • Answers to out of wallet questions to confirm your identity

If you are applying with a joint owner, you will also need to provide each of the above for the co-applicant.

You will receive a confirmation as to the status of your application at the end of the process. A Bear State team member will be in touch with any follow up actions needed.

Frequently Asked Questions

When will I get my debit card?

Your Bear State Bank checking account automatically comes with a Visa Debit/ATM Card that includes the new EMV chip card technology. You should expect to receive your Bear State Debit Card along with activation instructions in the mail within approximately five business days from account opening. A four-digit personal identification number (PIN) will be mailed to you separately. If you choose, you can change your PIN by visiting a Bear State Bank ATM.

Use your free Bear State Visa Debit Card to make purchases every day- online and on the go. The money is seamlessly drafted directly from your account. The new cards are equipped to perform both a chip-based transaction as well as a magnetic stripe-based transaction. Wherever you see the Visa symbol, simply dip the chip or swipe, sign and go!

  • Free with all Bear State checking accounts
  • Avoid check-writing stress (you know, like when the pen won’t write)
  • Works as an ATM card
  • Get a detailed transaction description on your monthly statement
  • Safe and secure method of payment

Bears are fiercely protective of their own, as are we when it comes to protecting your accounts at Bear State. Not only have we made our debit cards more secure by including the new EMV technology, we also offer two additional services to help keep your account safe.

SecurLOCK Communicate

SecurLOCK Communicate, a fraud alert management service, is available for your Bear State debit card. This service is designed to provide you with the opportunity to actively engage in our fraud protection and detection strategies and decrease fraud losses. SecurLOCK Communicate includes real-time, two-way SMS text for quicker fraud identification and prevention, as well as interactive voice and email fraud notification if no response is received from you by text or phone calls. This protection is only as good as the information we have on file for you so, please take the time to make sure your contact information is current.

Below is an example of an alert message:

FreeMsg: Bear State Bank Fraud Dept 8662423324: Suspicious txn on acct 111: $201.99 STORE. If authorized reply YES, otherwise reply NO. To Opt Out reply STOP.

If the reply is YES, the case will be closed as not fraud and you 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 the reply is NO, you will receive the following response: FreeMsg: Bear State Bank Fraud Dept: Thank You. We will call you or you can call us at any time at 866.242.3324. To Opt Out reply STOP.

SecurLOCK Equip App

Through this mobile app, you can control how, when and where your Bear State Debit Card is used. It is a simple and secure way to manage and monitor your payment transaction activity.

  • Turn entire card on and off by channel (in-store, online, mobile, ATM, etc.)
  • Set transaction spend limits
  • Select geographic locations where the card can be used
  • Set merchant locations
  • Block all international transactions
  • View recent transactions
  • Receive alerts

It's almost like having your own security support team, accessible 24/7! The app is free, easy to use and available through the Apple App store or Google Play.

How do I enroll in Online Banking?

Online Banking on Your Time and Your Terms

At Bear State, you control your finances with access to your account information when and where it is convenient for you. 24 hours a day, 7 days a week, 365 days a year. Wherever you are, whenever you want, get a safe, secure and comprehensive snapshot of all your account activity.

After you have received an email confirming your new account has been established, you can enroll in Online Banking.

  1. Go to www.bearstatebank.com
  2. In the Online Banking section (green box on the right), click "New User?"
  3. Complete the application and submit
  4. Create your username and password
  5. Access is typically available within 1-2 business days however, it is often sooner!
  6. A letter will be sent to you containing log-in instructions

Once you have successfully logged in, you can sign up for eStatements, take advantage of our free Bill Pay service and the many other awesome features such as:

  • Purchase Rewards- activate exclusive offers to receive cash back by simply using your Bear State Debit Card
  • PopMoney- a personal payment service that allows you to send and receive money electronically by using an email address or cell phone number. $1 per transfer. Barely a cost for that kind of service.
  • FinanceWorks- a personal financial management tool that allows you to analyze your spending behavior and find ways to save. It also allows you to manage all of your accounts in one place, including accounts from other financial institutions

How do I bank using my smartphone or tablet?

Mobile Banking for the Bear on the Go

The most convenient bank location is always the one nearest you, and there's nothing closer than your smart phone or tablet. We always love to see you in person, but for those times when you need the convenience of banking literally at your fingertips, you will find Bear State Bank’s mobile banking services waiting there for you.

Mobile banking gives you access to your accounts wherever and whenever you want it. You can easily access your account information, transfer funds and pay bills from any mobile device with web browsing capability and a data plan.

  • Check your account balance and transaction history at your fingertips.
  • Conveniently pay bills while you are on the go. No need to find a bank or even a computer.
  • Transfer funds between your accounts right from your phone or mobile device.
  • You can deposit checks fast with your mobile phone. No need to visit a branch.
  • Load Purchase Rewards offers on your debit card directly from your mobile phone app.
  • SMS (Text) Messaging Banking: get a text message with information about your account. Simply set up the notification within Online Banking.

You must enroll in Online Banking before you can utilize Mobile Banking. Once enrolled you can download the Bear State Bank Mobile App from the iTunes store or Google Play and log in using your same username and password created for your Online Banking account.

How can I deposit a check remotely?

Through our Mobile Deposit service you can deposit checks by using the camera on your smartphone and the Bear State Mobile App. It’s as easy as Snap. Tap. Deposit!

You are automatically registered for the Mobile Deposit service once you have successfully enrolled in Online Banking and accepted the Terms and Conditions associated with Mobile Deposit. There is a default per item limit of $500, a daily limit of $1,000 and a rolling 30-day limit of $5,000. If these numbers seem too limiting, give our Solutions Center a call at 866.242.3324 and we will see what we can do to accommodate your needs.

All deposits made after 3:30pm CST are considered next business day.

What web browsers can I use to open my account online?

Internet Explorer 11, Firefox, Edge, Safari and Chrome are all compatible with our online account opening software.

More Questions?

Please call us if you have any questions about Bear State Bank or if we can help you in any way.

Solutions Center: 1.866.242.3324