Small Business Solutions

Business Checking Accounts – Plus a $300 Bonus

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Limited-time offer through October 31, 2019: Get a $300 bonus1 when you open an eligible business checking account and meet balance and transaction requirements

Business Money Market Select: Put Your Cash to Work

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Limited-time offer through October 31, 2019: Promotional 1.75% APY2 for balances $10,000+ of funds new to Bank of the West

Merchant Services: Sell It Today, Get Paid Today.

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  • Same-business-day funding3 at no extra charge
  • No long-term commitments or cancelation fees
  • Point-of-sale equipment purchase or rental options
  • Limited-time offers through October 31, 2019:
    • Up to $300 statement credit4 for termination fees on your current contract
    • $159 statement credit4 for a mobile card reader
    • $150 statement credit4 for point-of-sale equipment

Business Rewards Credit Card: 2X Reward Points

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  • Unlimited 2X Reward Points on purchases5
  • 60k bonus Points (a $450 value) when you spend $5K within 90 days6
  • No annual fee
  • Limited-time offer through October 31, 2019:
    • 0% intro APR on purchases for the first 9 months7

We’re Local. Find Your Nearest Branch.

Business Loans and Lines of Credit

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Limited-time offers through October 31, 2019:

  • Term Loans Up to $100k: fixed rate of 5.99% for loans with fully-amortized terms up to 5 years
  • Lines of Credit $100k+: Prime +0% (requires $50k in deposit balances)8

Owner-Occupied Real Estate Financing

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  • Purchase property, refinance an existing loan, or renovate a facility
  • Variable- and fixed-rate options (up to 20 years)
  • Limited-time offer through October 31, 2019: up to $3,500 closing cost credit9 on loans up to $2.5MM (savings based on loan amount)

SBA Loans

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  • We're an SBA Preferred Lender with terms up to 25 years and as little as 10% down
  • Limited-time offer through October 31, 2019: Up to $10k appraisals or closing costs credit10 for loans up to $15MM (savings based on loan amount)

Electronic Deposit Services – Make Fewer Trips to the Bank

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  • Deposit checks securely from your office with a desktop scanner11
  • Limited-time offer through December 31, 2019:
    • Try Electronic Deposit Services for 3 months with no monthly maintenance fee; as low as $25/month thereafter12

Legal information and Disclosures

Loans and credit card offers are subject to credit approval and are for business purposes only. Offers, terms, and conditions are subject to change at any time without prior notice. Conditions, fees and restrictions may apply. Rates are subject to change and depend on terms. All loan offers require automatic payments from a Bank of the West business checking account. Offers valid for applications received and completed between 08/31/19 and 10/31/19.

1 To receive the $300 business checking bonus: 1) Open a single new Classic Business Checking account or Choice Business Checking account with a minimum opening deposit of $100 in new money to Bank of the West between 08/31/19 and 10/31/19 AND 2) have a minimum balance of $3,000.00 in the account on the last business day of each of the two full calendar months immediately following the month in which the account was opened (business days include Monday through Friday, and exclude holidays), AND 3) conduct 10 qualifying transactions, all of which must post to the account by the last business day of the second full calendar month immediately following the month in which the account was opened. Qualifying transactions include most deposits (ATM, wire, mobile, teller/in-branch, ACH, direct deposit, and Electronic Deposit Services), most withdrawals (debit card, bill pay, wire, and ACH), and exclude any transfers between Bank of the West accounts or any Bank of the West credits or debits. Account must be in open status to be eligible to receive any bonus. Bonus will be credited to your open business checking account by 01/31/20. Offer end date and availability subject to change without prior notice.

Offer is not available for existing Bank customers with an open business checking account as of 08/30/19. If the business or other businesses located at the same address received or may receive any other business checking bonus from the Bank between 01/01/18 and 01/30/20, then no business at that address is eligible. Limit of one business checking bonus per business and per mailing address. Bank will classify the cash bonus as interest paid to the business checking account. Any applicable taxes associated with this offer are the responsibility of the account holder. To the extent required by law, the Bank will report total value of the offer to the IRS on Form 1099 for tax year 2020. There is a Monthly Service Charge that ranges from $10 to $20 depending upon which business checking account you open. Visit your local branch or bankofthewest.com for additional details and options to waive the Monthly Service Charge.

2 Requirements to Receive Business Money Market Select Promotional Rate Offer
Open a new Business Money Market Select account at a branch between 10/16/19 - 10/31/19. A minimum opening deposit of $10,000 of funds new to Bank of the West is required to receive the 1.75% APY. Opening deposit must be received and posted to the account no later than 10/31/19. Personal, Commercial, Public Funds, and Wealth Management customers are not eligible for this offer. Commercial is defined as an account that is managed by the Bank of the West Commercial Banking Group (not Small and Medium Enterprise or Retail Banking Group). However, Sole Proprietors that open accounts in their personal name with their DBA (Doing Business As) or Agribusiness clients that use the Business Money Market Select account are eligible. Agribusiness is an industry engaged in agricultural production such as operations of a farm, the manufacture and distribution of farm equipment and supplies, and the processing, storage, and distribution of farm commodities etc. All accounts are subject to the Bank's standard terms and conditions and Schedule of Fees and Charges.

Promotional Rate Offer Limitations
The initial application of the applicable Promotional Rate on end-of-day collected balances of $10,000 and above on a new Business Money Market Select account will be effective the second business day following the business day of the deposit. Daily collected ending balances below $10,000 will earn the non-promotional rate.

Interest and APYs
Interest is compounded monthly and paid monthly at statement cycle. For the Business Money Market Select account, interest will be paid on the entire collected balance of the account based on the balance tier into which the end-of-day collected balance falls. The Annual Percentage Yields (APYs) are effective as of 08/31/19 and are as follows: for balances of $0 to $9,999 is 0.02%; 1.75% for balances of $10,000 and above. Interest rates and Annual Percentage Yields for all balance tiers are variable and may stay the same or may change at our discretion. Fees could reduce earnings on the account. Please note that if you close the account before interest is credited at the end of the statement period, you will not receive the accrued interest for that statement period.

Money market savings accounts are limited to a total of no more than six (6) transactions by check, draft, debit card or similar order payable to third parties and/or pre-authorized, automatic, or telephone transfers from the account either to a third party or to another account per statement cycle (includes overdraft protection and online banking transactions).

3 Applies only to transactions that are electronically deposited into your Bank of the West account. Transaction files received by 7:00 pm PT will be funded to a Bank of the West checking account the same business day. Files received after 7:00 pm PT will be funded the next business day. Excludes weekends and holidays. Transaction limits and restrictions may apply.

4 $300 Statement Credit
A statement credit of up to $300 will be credited to new Bank of the West Merchant Services* customers whose existing non-Bank of the West merchant services contract has an early termination fee for an existing merchant services account or for merchant services-related leased hardware. To obtain the statement credit you must (1) submit a completed application for Bank of the West Merchant Services between 07/01/19 and 10/31/2019; (2) submit proof of the early termination fee by providing a copy of the existing, active contract or most recent statement showing the incurred early termination fee no later than 12/31/19; (3) activate and acquire any required merchant services equipment for your new Bank of the West Merchant Services account within 60 days of approval of merchant services application. The $300 statement credit will be applied to your Bank of the West Merchant Services account statement no later than one month after your new Bank of the West Merchant Services account is activated; acceptable proof of the imposition of an early termination fee is presented to Bank of the West; and any required qualifying equipment is purchased or leased.

$159 Statement Credit
Offer available on an Ingenico RP457c. $159 credit of purchased terminal provided as a statement credit to the incurring monthly fees and charges collected by Elavon and does not include any collected sales tax. Statement credit eligibility requires activating your terminal within 60 days of either: approval of a new Merchant Services* mobile account, to include mobile payments or upgrade of an existing mobile account to include the new EMV-enabled mobile card reader. One statement credit allowed per customer. Please allow 30–60 days following activation for statement credit to be applied. Offer valid for accounts approved or upgraded by 10/31/19.

$150 Statement Credit
A $150 statement credit will be awarded to new Bank of the West Merchant Services* customers who (1) open and activate a new merchant services account with Elavon and (2) make a minimum $649 purchase or lease of qualifying equipment between 07/01/19 and 10/31/19. A new merchant services account is activated by processing a transaction of $10 or greater within 60 days of merchant services account being opened. Qualifying equipment includes: Triple Lock EMV terminal, Poynt Smart Terminal, Poynt 5, Talech, Tetra with pin pad, or NCR Silver. The $150 statement credit will be applied to your merchant services account statement no later than one month after your new merchant services account is activated and qualifying equipment is purchased or leased.

* Bank of the West Merchant Services, merchant services accounts, and qualifying equipment are provided by and subject to approval by Elavon. Elavon is not a Bank of the West affiliate. Bank of the West does not offer, control, or guarantee the services of Elavon and makes no representation or warranties regarding the qualifying equipment or merchant services.

5 Reward Points: Reward Points have no value until redeemed. Points have no value except when claimed by the cardholder for redeeming an award. Two (2) points are earned for every $1 in qualifying net purchases on the Business Rewards Card. There is no limit to the Points and the Points have no expiration date as long as the Account remains open and in good standing. Points are awarded only on net purchases (purchases minus any returns or adjustments). Balance transfers, cash advances, convenience checks, interest charges and any kind of fees charged to the Account do not count as purchases. Qualifying purchases can be made by any and all cardholders on a single Account. Values of awards, Points required for an award, and awards offered may vary from time to time without notice. If your Account is closed for any reason, you will no longer be able to accumulate Points and all Points that have accrued with the Account will be eliminated. Accounts must be in good standing to claim and redeem Points. Points that have accrued will be reflected on the cardholder’s monthly credit card statement and online at bankofthewestrewards.com and cannot be transferred, assigned, bought or sold by the cardholder. All awards are subject to availability and may be withdrawn, changed or replaced at any time. The Bank of the West Rewards Program is subject to the current Program Rules, which will be sent to you after your Account is opened and can be viewed online at bankofthewestrewards.com. For additional credit card pricing information, see the Pricing and Terms for Business Credit Card(s) information provided with your application. The Bank of the West Rewards Program is subject to current Program Rules (bankofthewestrewards.com).

6 Bonus Reward Points: Reward Points have no value until redeemed. Points have no value except when claimed by the cardholder for redeeming an award. As of 08/01/19, 60,000 Reward Points could be redeemed for gift cards valued at $450 or for a $450 credit applied to your credit card balance. Bonus Reward Points offer is only valid for new Business Rewards Credit Card accounts. If qualifying net purchases (see above) totaling $5,000 or more are made within 90 days of account opening, 60,000 bonus Points will be posted to the account within 150 days of account opening. Limit one offer per Account.

7 The Introductory Annual Percentage Rate (APR) is 0% for the first 9 months on purchases only. For the most current credit card pricing information, see the Pricing and Terms provided with your credit card application.

8 Offer available for new or existing Bank of the West customers who have or open a new business checking account with Bank of the West. Available for Business Lines of Credit between $100,001 and $750,000. Bank of the West Prime is 5.25% as of 08/1/2019, and subject to change.

9 The closing cost credit will be applied on the settlement statement as a credit toward third-party fees such as appraisal, title policy and environmental fees incurred during the loan process. If the actual third-party fees incurred are less than the advertised credit amount, no further credit will be given. The fee credit cannot be combined with any other loan offers. A credit up to $500 will be applied for loans between $150,000 and $500,000 and a credit up to $3,500 will be applied for loans between $500,001 and $2,500,000.

10 SBA loans from Bank of the West are in participation with the US Small Business Administration. Loans are subject to approval in accordance with both Bank of the West and SBA eligibility and lending guidelines. Certain fees, conditions and additional restrictions may apply. A good faith deposit will be required upon accepting Bank of the West approval. If applicant withdraws the loan request after issuance and acceptance of Bank of the West's Commitment Letter, all third-party costs incurred, must be paid by the borrower. Applications received and funded between 08/31/2019 and 10/31/2019, are eligible. A credit up to $3,000 will be applied for SBA loans between $150,001 and $1,000,000. A credit up to $5,000 will be applied for SBA loans between $1,000,001 and $5,000,000. A credit up to $10,000 will be applied for SBA loans between $5,000,001 and $15,000,000. Credit cannot be applied toward SBA packaging or participation fee.

11 EDS is secure to the extent that you maintain control and responsibility as defined in the Terms and Conditions agreement including the use of reasonable efforts to protect and secure the items, hardware, software and documentation.

12 This offer is available to new EDS customers only who sign up for Electronic Deposit Service between 03/30/19 and 12/31/19. Customers will be charged a $25 monthly maintenance fee for a single feed scanner bundle (standard price is $45/month) or a $50 monthly maintenance fee for a multi-feed scanner bundle (standard price is $70/month) starting on the fourth billing cycle (monthly maintenance fees for the first 3 billing cycles are waived). New customers can add additional accounts to EDS at no cost (standard price is $20 per account per month). Certain fees, restrictions and other EDS charges may apply. See the Cash Management Terms and Conditions for more details. Offer, terms, and conditions are subject to change at any time without prior notice. A cancelation fee will be charged to the customer’s associated checking account if EDS is cancelled within two years of the effective date on the Cash Management Addendum signed by the customer for the promotional scanner. The cancellation fee is equal to the full purchase value of the scanner ($400 for Digital Check CX30 or $700 for Epson CaptureOne). Customer eligibility and restrictions apply.