No minimum balance. No surprises.

Waive the monthly service charge with any deposit each statement.1
No fee for overdrawn balances of $5 or less.2
Pick one Overdraft or Returned Item Fee to erase per year.3

One great account. A bunch of great features.

No monthly service charge if any account owner is under 25
Cutting-edge online & mobile banking4
Hundreds of branches.
Deposit checks using your smartphone4
Award-winning customer service
Pay bills and send money instantly4,5

Let's get started.

Open online in about 10 minutes.

Apply Now

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.

2 $5 Overdraft Buffer: You will be charged an Overdraft Fee for an overdraft item paid if your account’s daily ending Available Balance is overdrawn more than $5.

3 Overdraft Fee Eraser: Upon request, we will refund one Overdraft Fee, Returned Item Fee, or Extended Overdraft Fee up to $36. One refund per rolling 12-month period.

4 Enrollment in Online Banking and download of our Mobile App required. Wireless carriers may charge fees for text transmissions or data usage. Additional terms and conditions apply.

5 Enrollment in Online Banking required. Fees apply to expedited delivery options. A valid delivery address is required for Overnight Payments. Not all customers will qualify. Additional terms and conditions apply.