Bank of the West is a trade name used by BMO Harris Bank N.A. Banking products and services are subject to approval and are provided by BMO Harris Bank N.A. Member FDIC.

¹$10.00 monthly service charge waived with one deposit of any amount ($0.01 or more) each statement cycle. Deposits include direct deposit, mobile deposit, ATM deposit, or in-branch deposit of any amount. Does not include fund transfers between Bank of the West accounts or any credits from Bank of the West. Opening deposit can be any amount ($0.01 or more). No monthly service charge if any account owner is under 25 years of age.

²Touch ID is available only for newer iPhone models (5S and later) using iOS 8 or higher. Face ID is available only iPhone models X and later. Use of your Mobile device requires enrollment in Online Banking and download of our Mobile App. Wireless carriers may charge fees for text transmissions or data usage. Mobile Banking requires an internet-ready phone and is supported on Apple iPhone devices with iOS 9 and greater and on Android mobile devices with OS 5 and greater. Mobile deposits made before 7 pm PT will be processed the same business day and made available within two business days. Longer delays may apply based on the type of items deposited, amount of the deposit, account history or if you have recently opened your account with us.

³Fees apply to expedited delivery options. A valid delivery address is required for Overnight Checks.

⁴BMO named "The Most Sustainable Bank in North America” on Corporate Knights’ Global 100 Most Sustainable Corporations in 2020, 2021 and 2022. To learn more, visit www.bmo.com/climate.

⁵Up to the maximum established by the FDIC per depositor and ownership type. Read more here.

⁶Conditions and restrictions apply. Your liability for unauthorized use of your debit card for debit transactions processed through the Mastercard® system will be zero dollars ($0) provided the following conditions are met: (1) you can demonstrate that you exercised reasonable care in safeguarding the debit card from risk of loss or theft; and (2) upon becoming aware of a loss or theft, you promptly report the loss or theft to Bank of the West. Refer to the "Consumer Liability of Unauthorized Transfers" and "Mastercard Debit Card Zero Liability" sections of your Deposit Account Disclosure and Safe Deposit Box Rental Agreement Terms and Conditions for Personal Accounts for details.