You can
get $250
Any Deposit Checking1
Open a new account now, you can get a $250 bonus.1

Promotion code automatically applied.

You can
get $250
Any Deposit
When you make direct deposits totaling $1,000 each month for three months.1

Promotion code automatically applied.

Open an Account

Open a new Any Deposit
Checking account by


Make Direct Deposits

Totaling $1,000 or more
each month for the first
three months.


Get $2501

It's that easy.

It's easy to waive the monthly service charge.

Deposit any amount during a statement cycle and we’ll waive the monthly service charge.2

Includes mobile banking, in-app payments, direct deposit, ATM and in-branch deposits.3,4,5

No minimum balance or direct deposit requirements to waive the monthly service charge.

Easily manage your money from nearly everywhere.

Fast, safe sign-in with Mobile Touch or Face ID6

Send and receive money on the fly via payment app3,4

Easily pay bills by scanning with your smartphone6

Award-winning customer service: online, in branch, or over the phone

Simply deposit checks via smartphone3

Open Online In About Ten Minutes

It's easy to get $250.1


Promotion code automatically applied.

Legal information and Disclosures

1Requirements to receive the $250 bonus:
Customer must open a new personal Any Deposit Checking account with a promotion code either online at or in a branch between 10/05/19 – 12/06/19 with any opening deposit amount ($0.01 or more). Opening deposit must post to the account by 12/13/20. This offer is also available for any other consumer checking account (minimum $100 to open). UCB Student Checking and the Bank of the West Premier Checking accounts are excluded.

Customer must make direct deposits totaling $1,000 or more, monthly for three consecutive calendar months by 3/31/20 to the new checking account. Two or more separate direct deposits in a single month that add up to $1,000 qualify. A qualifying direct deposit must be payroll, Social Security, pension or other government benefits. Non-qualifying direct deposits include transfers from Bank of the West or Bank of the West affiliate accounts or any credit from Bank of the West, or person-to-person transfers using a mobile payments service such as Zelle, or deposits made at a branch or ATM. Calendar months do not necessarily coincide with statement cycles. Qualifying deposits must be funds new to the Bank. All deposits must be posted by 3/31/20.

Bonus Limitations

  • Offer is not available to existing Bank of the West customers with an open checking account as of 10/04/19.
  • If the customer or other individuals residing at the same address received or may receive any other consumer checking bonus from the Bank between 4/01/18 – 4/29/20, then no one at that address is eligible.
  • Limit of one $250 consumer checking bonus per individual and per mailing address.
  • Account must be in open status and have a positive balance as of 3/31/20 to be eligible to receive any bonus.
  • Offer end date and availability subject to change without prior notice.
  • Promotion code required with account application.
  • Bonus will be credited to the open checking account by 4/30/20.

Offer does not apply to second or multiple checking accounts. Bank will classify the bonus as interest paid to the checking account. Any applicable taxes associated with this offer are the responsibility of the account holder. To the extent required by law, Bank will report total value of the offer to the IRS on Form 1099 for tax year 2020. All accounts are subject to the Bank’s standard terms and conditions and Schedule of Fees and Charges.

New money does not include fund transfers between Bank of the West or Bank of the West affiliate accounts or any credits that may be applied from Bank of the West or any Bank of the West affiliate.

2$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 ($0.01 or more). No monthly service charge if any account owner is under 25.

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 app 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.

6Enrollment 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. Touch ID is available only for new iPhone (5S and later) using IOS8 or higher. Face ID is available on iPhone X.