Refer a friend to Great Western Bank and you could earn $50.

Thanks to your friend, you're on your way to a great banking experience and getting a digital $50 VISA® prepaid card!3

Choose a Checking Account to Get Started

Checking account options that fit your lifestyle. We offer accounts that’ll fit the way you manage your money. Review your checking account options below to find the perfect fit for you.

Open your account online, or visit a banking location near you to get started.


Open a personal checking account online or in person at one of convenient locations.


Make 20 debit card purchases that post to your account in the first 60 days.
Sign up for online statements OR set up a recurring direct deposit into your new account in the first 60 days.


Watch your inbox for a digital Visa Prepaid Card to be sent via email once the qualification time period has ended.

Compare and Choose Your New Account


Key Benefits Smart Start Banking Essential
Get Started Open Open Open
Which Account
is Best for You?
• Students and young adults
• Customers who prefer
banking digitally and use
their debit card instead of
writing checks
• Customers who want
• Customers who want
an easy and simple way
to manage their money
• Customers with larger
deposit relationships who
value additional perks
• Customers who want to
earn interest
Bank from your computer,
tablet, or phone with 
Great Western ebanking
Debit card with chip technology and wallet pay capabilities
Online Statements1
No Overdraft Fee    
Unlimited Check Writing  
Variable Interest Rate    
Free Standard Checks    
Great Western Home Mortgage Loan Rebate and Home Equity Line of Credit Rebate*    
Other Money-saving Rebates and Discounts    
Monthly Service Charge


No monthly service charge for primary account owners age 24 and younger


Avoid the monthly service charge when you meet one of these qualifications:

•You're age 60+

•You have deposits totaling $250.00 per statement cycle

•You hold an average monthly balance of $1,000.00


Avoid the monthly service charge when you meet one of these qualifications:

•You maintain an average checking balance of $5,000.00 per statement cycle

•You maintain average combined deposit balances of $25,000.00 per statement cycle

Minimum Open Deposit $25.00 $25.00 $25.00

1$2.00 paper statement fee applies to the Smart Start Banking and Essential Checking account.
For a complete listing of fees and more detailed account information, please see the Great Western Bank Consumer Fee Schedule and review your Deposit Account Agreement.

*Subject to credit approval.

3Referred person must open a new Great Western Bank personal checking account within 90 days of receiving a Great Western Bank Refer A Friend invitation and meet the program requirements by 1) having 20 debit card purchases (online or in person) posted to the account by the 60th day after account opening and 2) enrolling in online statements OR completing at least one ACH direct deposit transaction (minimum value of $250) into the new account within 60 days of account opening. Transfers from one account to another, or deposits made at a banking location or ATM, do not qualify as direct deposits. Account must be open and in good standing on the 60th day after account opening to be eligible. Offer cannot be combined with other checking bonus offers. Limit of one bonus per qualifying account. Referred Person is not eligible to participate if they are a primary account holder on an existing Great Western Bank consumer checking account or if they were a primary account holder on a Great Western Bank consumer checking account in the last 12 months prior to new account opening. Employees of Great Western Bank and its affiliates are not eligible for this program.


Terms and Conditions