called main office (800)228-3659 to confirm terms:
Apply for 'Free Checking for Life Account' (a promotional, not regular checking
account) by walking into local branch office where, upon account approval, you
will be given 'a $50 Target GiftCard'.
Besides the $50 Gift Card, offer includes: A Free Visa Check Card, Free Online
Banking, Free Unlimited Transactions at any ATM, and no monthly service charges
(but other charges, like NSF, still apply.
Minimum balance to open is $500. Account must remain open for 6 months.
New money only. If you have closed a Western Financial Bank account
during past 12 months you are ineligible.
[Edited and ab tracted from both newspaper advertisement (5/17)
and conversation of same date, noted above.]