Bank at Work

Bank at Work helps employees save money through discounted products and services.1 In addition to this exclusive benefits package, employees can take advantage of special rates on eligible savings and CD accounts, and attend financial education seminars and personal one-on-one meetings offered at their workplace to answer financial questions, begin a new account application, or review their personal money management. If you’re an employee at a company enrolled in Bank at Work, use this page to learn more about the various benefits open to you.

If you're an employer and would like more information about the program, contact us.

Bank at Work Checking Accounts

With Bank at Work, employees can pick between a range of specialized checking accounts. To open an account, simply choose the account that best fits your needs and use the Bank at Work promotion code you've received.

Bank of the West Premier Checking Signature Checking Choice Interest Checking
Apply online Apply at a branch Apply online Apply at a branch Apply online Apply at a branch
Monthly service charge waived with Direct Deposit2    
No annual fee on Gold Line Account3
Online and Mobile Banking with Bill Pay4
Debit card4
Complimentary corporate image checks
Safe deposit box with no annual fee5
No Bank of the West charge at non Bank of the West ATMs  
No ATM withdrawal fees at all - Rebates for withdrawal fees charged by non Bank of the West ATMs for use of their ATMs6    
Premier investment benefits13    
Rate discounts7, and benefits through World MasterCard® card11    

Special Rates and Discounts

As a Bank at Work employee, enjoy these reduced rates and other special offers:

  • Up to a 0.40% rate discount on select consumer loans7
  • Up to a 0.25% bonus interest rate on select CD terms8 and Money Market Plus Savings Accounts9
  • $375 closing cost credit with mortgage loan10
  • A $25 statement credit when you open a new credit card and make a qualifying purchase11

BancWest Investment Services

Employees receive a complimentary financial review by a BancWest Investment Services11 Financial Professional, and an opportunity to then continue receiving customized investment advising. Get personalized asset allocation strategy, with as much or as little guidance as you need, and a portfolio aligned with your objectives.

Enroll in an online account and get online trades as low as $6.95,13 as well as integrated online investing and banking. Trade stocks, mutual funds, and options with the help of our comprehensive online research and a dedicated support team when you need it. Learn more about BancWest Investment Services >

Bank at Work Addendum

All consumer loans and lines are subject to credit approval. Certain fees and restrictions may apply.

1The Bank at Work program is only available to personal account holders employed by a business enrolled in the Bank at Work Program and exclusive of any other promotions and/or special rates. Bank at Work program ("Program") is subject to change without notice. Program requires a monthly direct deposit of $250 or more per statement cycle and is available with Choice Interest Checking, Signature Checking or Bank of the West Premier Checking only. If you do not qualify for any of these checking accounts, you may be offered an alternate checking product which may not be eligible to participate in the Program.

2In order to waive the monthly service charge on the Choice Interest Checking with eligible Direct Deposits, the first Direct Deposit must be received within 2 statement cycles following account opening date. If the required Direct Deposit is not received within 2 statement cycles following the account opening date, is less than the required minimum, or is discontinued, standard monthly service charges will apply. There are other ways to waive the monthly service charge on the Choice Interest Checking: Ask for details.

Direct Deposit to the Signature Checking or Bank of the West Premier Checking will not waive the monthly service charge. To waive the monthly service charge on a Signature Checking account, you must maintain a minimum average monthly balance of $15,000 in your Signature Checking or maintain a minimum $25,000 combined average monthly balance in your Signature Checking plus all linked personal checking, savings, and money market accounts, including CDs and IRAs. To waive the monthly service charge on a Bank of the West Premier Checking account, you must maintain a minimum of $50,000 combined average monthly balance in your Bank of the West Premier Checking plus other eligible personal checking, money market, savings accounts, CDs, and IRAs, and prior end-of-the month account balances in eligible BancWest Investment Services Investment accounts.

3Annual Fee of $15 on a Gold Line Account associated with a Choice Interest Checking account is waived for customers enrolled in the Program. There is no Annual Fee on a Gold Line associated with a Signature Checking or Premier Checking account regardless of whether or not you are enrolled in the Program. Transaction charges apply. The Gold Line Account includes a Loan Advance Fee equal to the greater of $6 or 2% of each loan posted to the Account. The maximum Loan Advance Fee is $15 on any single advance. Gold Line Account subject to credit approval.

4Benefits not exclusive to Bank at Work program; standard benefits for consumer checking accounts. Standard text messaging and mobile carrier rates may apply to mobile banking.

5One-time set up fee applies. $40.00 discount can be applied to annual rental fee of larger boxes if small safe deposit box is unavailable. Larger boxes also subject to availability.

6All ATM cash withdrawal fees will be rebated within one business day of the fees posting to your account.  Cash advance and foreign transaction fees may apply.

7This offer cannot be combined with other promotions and/or special rates. An additional 0.25% rate discount is available for automatic payments from a Bank of the West checking account on products eligible for automatic payment discounts. According to the terms of the loan documents, the discount may be reversed and your rate and payments may increase if automatic payments are discontinued for any reason. The following products are not eligible for the Bank at Work rate discount: Airplane Loans, Credit Cards, Gold Line, Home Equity Loans/Home Improvement Loans-1st Position, Savings-CD Secured, and Fixed Rate Loan Options (FRLO).

8Bonus interest rate of up to 0.25% will be added to standard interest rate on select CD terms. Once opened, the standard interest rate plus any bonus interest rate are fixed for the entire term of the CD. Minimum opening deposit of $10,000 required to obtain bonus interest rate.

9Bonus interest rate of up to 0.25% will be added to standard interest rate on the Money Market Plus account. Minimum balance of $10,000 required to obtain bonus interest rate. Standard interest rates and bonus interest rates are variable and may change as frequently as daily.

10Mortgage loans are subject to credit approval, standard mortgage qualifications, and underwriting requirements. Additional fees, conditions, and restrictions may apply. Equity loans and lines excluded. Only one $375 credit applied at closing where one borrower has a qualifying checking account; limit one credit per rolling 12 month period.

11All consumer credit cards are subject to credit approval.  Certain fees and restrictions may apply.  Certain exclusions and limitations may apply. For full terms and conditions, please refer to the MasterCard Guide to Benefits for World MasterCard Credit Card Holders.  To receive the $25 statement credit, a customer must open a new Bank of the West consumer credit card, be enrolled in the Bank of the West Bank at Work program, and make a qualifying purchase. Balance transfers, cash advances, convenience checks, interest charges, and any fees charged to the account do not count as qualifying purchases. Only one statement credit per account is permitted. The $25 statement credit will be posted to your statement following the date the first transaction is completed. The credit card account must be open and in good standing to receive the statement credit. The $25 statement credit may be reported to the IRS on Form 1099. Bank of the West employee accounts, Bank of the West Secured Credit Card and Bank of the West Wealth Management World Elite MasterCard® Credit Card accounts are excluded.

12Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer, Member FINRA/SIPC. Financial Advisors are Registered Representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Insurance Agency in California, (License #0C52321), through BancWest Insurance Agency in Utah, and through BancWest Investment Services, Inc. in AZ, CO, IA, ID, KS, MN, MO, ND, NE, NM, NV, OK, OR, SD, WA, WI, WY, HI, Guam and CNMI. Bank of the West and its various affiliates and subsidiaries are not tax or legal advisors.

13Online Preferred Pricing is only available to individuals with an active Premier Checking account. Individual Online Preferred Pricing eligibility is determined on a daily basis by BancWest Investment Services. Online Preferred Pricing does not apply to business/corporate accounts, investment club accounts, partnership accounts, limited liability accounts or certain fiduciary or custodial accounts. Please contact BancWest Investment Services for additional information.

BancWest Investment Services is a wholly owned subsidiary of Bank of the West and a part of the Wealth Management Group. BancWest Corporation is the holding company for Bank of the West. BancWest Corporation is a wholly owned subsidiary of BNP Paribas.

Investments and Insurance products: