Small Business Solutions

Business Checking

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  • Checking options tailored to your unique needs
  • Online and mobile banking convenience
  • Customize with Merchant Services and other tools to simplify your business finances

Point of Sale Technology

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Sell Anywhere With Poynt.

  • Accept all payment types—including digital wallets
  • Transact1 anywhere with built-in 3G and wifi
  • Download business management apps for your specific needs

Same-Business Day Funding with Merchant Services

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  • Same-business-day funding2 at no extra charge
  • Access to 24/7/365 live, U.S.-based support
  • No long-term commitments
  • Protect your business with chip card encryption and tokenization
Picture of Michael Feno, Owner, Lucca Ravioli Co. and a Bank of the West customer.

We don’t have to worry about deposits or processing with Bank of the West. It allows me to get back to my customer.

- Michael Feno, Owner, Lucca Ravioli Co.,
Bank of the West customer

 Watch how we help Michael

Unlimited 2X Reward Points on Purchases

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See all the ways a Business Rewards Credit Card can help you and your business.

  • Unlimited 2X reward Points that do not expire3 and no annual fee
  • 60K bonus Points when you open new account and spend $5K within 90 days—a $450 value4
  • Business credit lines up to $100K

We’re Local. Find Your Nearest Branch.

Financing Your Business

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  • Get back-up access to funds with a business line of credit
  • Cover major business expenses such as equipment and technology with a business term loan with up to 100% financing
  • We’re an SBA Preferred Lender with terms up to 25 years and as little as 10% down

Owner-Occupied Real Estate Financing

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  • Purchase new property, refinance an existing loan to reduce payments, or renovate an existing facility
  • Options from lower, shorter-term variable rates to longer-term (up to 20 years) fixed rates

Legal information and Disclosures

1Terms and conditions apply; see your account agreement and card terms and conditions for unauthorized transactions.

2Applies 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.

3Reward 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 which have accrued with that Account will be eliminated. Accounts must be in good standing to claim and redeem Points. Points that have been accrued will be reflected on the cardholder's monthly credit card statement and online at 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 that will be sent to you after your account is opened or can be viewed online at 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 (

4Bonus 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 07/15/2018, 60,000 Rewards Points could be redeemed for gift cards valued at $450 or for a $450 credit applied to your credit card balance. Bonus Rewards Points offer is only valid for new Business Rewards Credit Card accounts. If qualifying net purchases (see below) 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.

Investment and Insurance Products: