A checking account where your
deposits can make an impact.
A checking account where your
deposits can make an impact.

Any Deposit Checking

$0 monthly fee with any deposit per statement.1
No minimum balance.
No direct deposit required.

Banks lend up to 90% of customer deposits. We’ve restricted financing for coal, fracking, and Arctic drilling to help protect our planet.
Learn more about how your money makes an impact at bankofthewest.com/change.

Why you'll love our accounts:

Send money, pay bills, deposit checks all on your app2,3.

Secure mobile login, $0 liability on fraudulent transactions3,4.

Find your nearest branch locations and ATMs.

Open online in about ten minutes.

Legal information and Disclosures

1$10.00 monthly service charge waived with one deposit of any amount 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. No monthly service charge if any account owner is under 25 of age.

2Mobile 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.

3Enrollment in Online Banking and download of our Mobile App required. Wireless carriers may charge fees for text transmissions or data usage. Message frequency depends on account settings. Text HELP to BKWST (25978) for help. Availability of Mobile Banking may be affected by your mobile device's coverage area. Requires mobile phone with text messaging capabilities. 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.

4Conditions 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 for Personal Accounts (PDF) for details .