Practice Solutions

A banking partner for the life of your practice

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We focus on your finances, so you can focus on your practice

Meeting the challenges of running a successful practice requires a business banking partner that understands the needs of a practice and has what it takes to help you succeed.

At Bank of the West, we take the time to get to know you and your business, so we can provide the guidance, and integrated solutions to help you reach your goals—whether you’re just starting a practice, expanding or growing it, or transitioning to your next chapter.

You can count on our knowledgeable team of professional business bankers for the personal service and skilled support you need every step of the way.

  • Working Capital: The cash you need, when you need it

    We can help you be prepared with working capital for the expected, as well as the unexpected.

    Expand or improve your office

    Add on, build out or remodel your office to meet the changing needs of your practice with our Flex Line Term Loan—and make interest-only payments during the 12-month draw period. Then the balance converts to a fully amortized, fixed-rate loan with predictable payments and a term of up to nine years.
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    Upgrade equipment or add new technology

    We offer 100% financing—plus up to 20% additional financing for related purchase and setup costs—to help you get the most up-to-date equipment, technology and systems to keep your practice competitive.
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    Be prepared with a cash reserve

    A business line of credit can help you manage through insurance reimbursement cycles, cover short-term needs, and take advantage of unexpected opportunities.
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  • Cash Flow: Solutions to simplify your finances and boost efficiency

    Time is money. Make the most of both with our complete suite of cash flow solutions.

    Give patients more ways to pay

    With Bank of the West Merchant Servicesfootnote3, you can:

    • Accept major credit and debit cards—and allow patients to schedule recurring or installment credit card payments
    • Get faster access to funds when patient payments are deposited same-business-dayfootnote4
    • Protect your practice from fraud with our advanced security solutions—including EMV chip-card-compliant terminals

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    Streamline spending and recordkeeping

    Gain more control over purchasing, easily track spending and earn rewards for yourself when you pay for expenses with our Business Rewards MasterCard®.
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    Gain more control over cash flow

    Streamline your payables and receivables—and protect your practice from fraud—with our Cash Management solutions, including:

    • Electronic Deposit Service (EDS) - helps you save time by making check deposits without leaving your office
    • Automated Clearing House (ACH) services - make it easy to send and receive electronic payments, and have more control over your funds.
    • Fraud Protection services - enable you to monitor and manage account activity and keep your practice finances safe

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    Be prepared with a cash reserve

    A business line of credit can provide the funds you need whenever you need them to manage through insurance reimbursement cycles and cover short-term needs.
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    Simplify your day-to-day finances

    Seamlessly integrate your Choice Business Checkingfootnote5 account with a Business Money Market Select account, and take advantage of benefits including

    • Unlimited monthly transactionsfootnote6
    • 24/7 Mobile Banking and Business Online Banking with Bill Pay
    • Higher interest rates on a linked Business Money Market Select accountfootnote7
    • Options to rebate part or all of the monthly service chargefootnote8 when you maintain balances or bundle business services such as Merchant Services, Payrollfootnote9, EDS, or Business Rewards Credit Card

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  • Strategic planning for what's ahead

    Your business banker can bring together a team of specialists to help you shape your financial future and pursue your short-and long-term goals.

    Manage your personal finances

    We can help you align your personal finances with:

    • Bank of the West Premier Program – This exclusive program rewards you for your total deposit balances, and investment balances with our affiliate, BancWest Investment Servicesfootnote10–providing a higher level of service and valuable benefits.
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    • Wealth Management – Our Advisors work with you to develop a comprehensive financial strategy that includes wealth and investment managementfootnote10 and private business owner solutions.
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    Protect your practice

    We can help you manage the risks that are inherent to running a practice. Drawing on our experience with a wide range of practices, we can help you identify and implement an appropriate back-up plan for unforeseen events.

    Develop a succession or transition plan

    It can be hard to step away from the practice you've spent years building, and leaving your patients in the care of someone else. But it's critical to have a succession plan in place long before you're ready to exit. Our advisors in Wealth Management can help you build a comprehensive plan that can help you move on to the next phase of your life with peace of mind.
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    Set your retirement up for success

    Selling your practice may be part of your retirement plan, but there are other considerations as you work towards a comfortable retirement. We work with you to analyze your current account—as well as your future spending and cash flow needs—to develop a long-term retirement plan.
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Tell us where you live

Choose your state of legal residence. We can then give you information about the products and services available in your area.

Note: Bank of the West has branches only in the states listed in the drop-down. At this time, we only open accounts for individuals and businesses in these states.