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Legal information and Disclosures

1 Cash withdrawal fees charged by non-Bank of the West ATMs for use of their ATMs will be rebated within one (1) business day. Foreign transaction fees may apply.

2 Consumer loans, lines of credit and credit card products are subject to credit approval. Terms and conditions apply. Certain fees and restrictions may also apply. Ask your banker for details.

3 All loans subject to credit approval and standard mortgage qualification and underwriting requirements. Certain fees and restrictions may apply. Must have at least one (1) Bank of the West Premier

4 Checking account prior to loan closing and account must be open when bonus is paid. Limit one (1) $1,000 mortgage closing bonus in a rolling 12-month period. Home equity loans and lines of credit are excluded. Other terms and conditions apply. Bank of the West will classify the $1,000 bonus as interest paid to the Bank of the West Premier Checking account. To the extent required by law, Bank of the West will report the total value of the bonus to the IRS on Form 1099-INT for the applicable tax year in which the bonus was paid. Bank of the West and its various affiliates and subsidiaries are not tax or legal advisors. Ask us for details and see botw.com/premier for more information.

5 Maintain at least $50,000 combined average monthly balance in this Bank of the West Premier Checking account plus other eligible personal Bank checking, money market, savings, CDs, and IRAs, and prior end-of-month account balances in eligible BancWest Investment Services investment accounts. Bank of the West personal checking, money market, savings, CD, IRA, and BWIS investment accounts will be associated with only one (1) Bank of the West Premier Checking account. Based on your accounts' ownership, the Bank will automatically identify your eligible Bank and BancWest Investment Services ("BWIS") accounts for the purpose of calculating the combined average monthly balance. Ownership of the Bank of the West Premier Checking account and any associated deposit accounts must be identical. For BWIS investment accounts, the balances held by any primary owner in an eligible BWIS investment account who is also an owner of the Bank of the West Premier Checking account will be included in the combined balance calculation. By requesting a Bank of the West Premier Checking account, each primary BWIS investment account owner represents and warrants that each co-owner of any investment account authorizes the balances of the account to be combined for Program benefits. Balance information for BWIS investment accounts may be disclosed to any co-owner of the Bank of the West Premier Checking account. Additionally, fiduciaries assume responsibility for ensuring that any fiduciary account that may be combined in the Program will not be a violation of fiduciary duty. The date range of the Bank of the West Premier Checking account's statement cycle will be used to calculate the combined average monthly balance in the eligible associated checking, money market, savings, CD and IRA accounts. The prior month-end balances will be used for the eligible BWIS investment accounts. For the Bank to determine whether the combined monthly balance requirement has been met, BWIS will provide the prior end-of-month balance information for all eligible investment accounts as received from affiliates and third party providers.

Investment and Insurance Products:

  • NOT FDIC INSURED
  • NOT BANK GUARANTEED
  • MAY LOSE VALUE
  • NOT A DEPOSIT
  • NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY