Waiving the monthly service charge is easy.

No monthly service charge with any deposit each statement.1
Make deposits at ATMs, in branch, with direct deposit, or via payment app.3,4,5
Plus, there's no minimum balance or direct deposit requirements.1

Easily manage your money from nearly everywhere

Fast, safe sign-in with Touch ID® or Face ID®6
Send and receive money on the fly via payment app4
Easily pay bills by scanning with your smartphone2
Award-winning customer service—online, in branch, or over the phone
Simply deposit checks via smartphone3

Open online in about 10 minutes

Let’s get started.



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.

2Enrollment 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.

3Mobile 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, account history or if you have recently opened your account with us.

4Payment apps refers to peer to peer or person to person payments from mobile applications.

5Incoming payments from person to person or peer to peer payments made to you, count as a deposit and will waive the monthly service charge for Any Deposit Checking account.

6Touch ID is available only for newer iPhones (5s and later) using iOS8 or higher. Face ID is available only on iPhone X. These features are not available on iPad®. Fingerprint sign-in is available on capable Android devices with Android 6.0 Marshmallow and higher. These capabilities are referred to as “Biometric Identification Features” in the Bank of the West Online and Mobile Service Agreement.