Small Business Solutions

Business Checking Plus a $300 Cash Bonus1

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Limited-Time Offers through November 2, 2018:

  • Get $300 cash when you open a business checking account and add Merchant Services
  • Classic Business Checking with no monthly service charge2
Cutting edge POS technology

Cutting Edge POS Technology

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Sell Anywhere With Poynt.

  • Accept all payment types—including digital wallets
  • Transact3 anywhere with built-in 3G and wifi
  • Download business management apps for your specific needs
  • Limited-Time Offer through December 21, 2018: Get up to $500 instant credit on POS equipment, like Poynt4

Get Your Funds Same-Business Day with Merchant Services

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Enjoy same-business-day funding5, 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
  • Help grow your sales with e-commerce, gift card solutions, and more
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 expire6 and no annual fee
  • 60,000 bonus Points when you open new account and spend $5K within 90 days—a $450 value7
  • Business credit lines up to $100,000

Put Your Extra Cash to Work

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Limited-Time Offer through November 2, 2018: 12-month introductory 1.81% APY for balances $25,000-$2,499,999 with a Business Money Market Select8 account

Make Fewer Trips to the Bank

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The only thing better than working with you personally is saving you valuable time depositing all those checks.

  • Deposit checks securely from your office with a desktop scanner9
  • Get your cash faster by depositing checks as you receive them
  • Limited-Time Offer through December 31, 2018: Try Electronic Deposit Services for 3 months with no monthly charge. As low as $25 per month after.10

We’re Local. Find Your Nearest Branch.

Business Lines of Credit

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Financing to help cover opportunities and unexpected expenses.

  • Limited-time offers through November 2, 2018:
    • Get Prime +0%11 on lines over $100,000 (requires $100,000 in deposits balances)
    • Pay no origination fees on lines up to $100,000

Business Term Loans

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  • A business term loan can help your business cover major expenses such as equipment and technology
  • Up to 100% financing
  • Extra 20% financing on installation and setup costs

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
  • Limited-Time Offer through November 2, 2018: Get a low rate of 5.50% on an Owner-Occupied Commercial Real Estate Loan for the first year of a 5-year variable rate term loan, with a 25-year amortization on loan amounts up to $2.5M12

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: Get a credit up to $10,000 toward the appraisals or other closing costs on qualifying loans up to $15 million13 (savings based on loan amount)

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.

1Requirements to Receive $300 Bonus: (1) Open a new business checking account (“Account”) at a branch between 09/15/18 and 11/02/18 with a minimum opening deposit of $100 in funds new to Bank of the West; (2) Maintain a $3,000 minimum daily balance in the Account for each of the first three full calendar months immediately following the month in which the opening deposit posts to the Account; and (3) Open a new Merchant Services account between 09/15/18 and 12/21/18 and have merchant funds of $50 or more deposited into the Account no later than the last day of the third calendar month following the month when the Account is opened. There is a Monthly Service Charge ranging from $10 to $20 depending on which business checking account you open. Visit your local branch or bankofthewest.com for ways to waive the Monthly Service Charge. All Accounts subject to Bank's standard terms and conditions and fee schedules. When Bonus Will Be Credited: Bonus will be credited to the open Account as follows: (1) for Accounts opened between 09/15/18 and 09/30/18, the above requirements must be met from 10/01/18 to 12/31/18, and the bonus will be credited by 01/31/19; (2) for Accounts opened between 10/01/18 and 10/31/18, the above requirements must be met from 11/01/18 to 01/31/19, and the bonus will be credited by 03/29/19; and (3) for Accounts opened between 11/01/18 and 11/02/18, the above requirements must be met from 12/01/18 to 02/28/19, and the bonus will be credited by 03/29/19. Bonus Limitations: To the extent required by law, the Bank will report total value of the offer to the IRS on Form 1099 for tax year 2019. Offer subject to approval and can be changed without noticed and is not available to existing Bank customers with an open business checking account as of 09/14/18. Limit of one business checking bonus per business and per mailing address. Analyzed Business Checking excluded from this offer. If the business or other businesses located at the same address received any other business checking bonus from the Bank from 03/01/17 through 09/14/18, then no business at that address is eligible.

Merchant Services 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 services.

2Classic Business Checking offer available for new business checking account customers and existing business customers without a Bank of the West business checking account opened between September 15, 2018 and November 2, 2018. Minimum opening deposit of $100. Offer subject to approval and can be changed without notice. All other fees and charges will apply, including overdraft charges and fees for certain transactions exceeding the dollar and volume limits applicable to Classic Business Checking.

3Terms and conditions apply; see your account agreement and card terms and conditions for unauthorized transactions.

4Promotional offer and Merchant Services, Poynt, and other EMV® equipment 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 services. Offers apply only to new Bank of the West Merchant Services customers who are approved for a new Merchant Services account between 09/15/18 and 12/21/18. Customers can receive an instant credit of up to $500 for Poynt, other EMV terminals, or tablet-based point-of-sale (POS) solutions. Instant credit for Poynt, other EMV terminals, or tablet-based POS solutions is provided as a reduction of equipment cost for Poynt, other EMV terminals, or tablet-based POS solutions not to exceed $500. The ICT 220 terminal, EMV mobile devices and mobile PIN pad devices do not qualify for these offers. Leased equipment does not qualify for any instant credits.

5Applies 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.

6Reward 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 www.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 that will be sent to you after your account is opened or can be viewed online at www.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 (www.bankofthewestrewards.com).

7Bonus 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.

8Requirements to Receive Business Money Market Select Introductory Offer Rates: Open a new Business Money Market Select account at a Bank of the West branch between September 15, 2018 and November 2, 2018 with a minimum opening deposit between $25,000 and $2,499,999 with all funds new to Bank of the West. Opening deposit must be received and posted to the account no later than November 2, 2018. Personal, Commercial, Public Funds are not eligible for this offer. All accounts are subject to the Bank's standard terms and conditions and Schedule of Fees and Charges.

Introductory Annual Percentage Yield Offer Limitation: The applicable Introductory Annual Percentage Yield (APY) of 1.81% is available on end-of-day collected balances of $25,000 to $2,499,999 for at least twelve (12) months (“Guarantee Period”) from receipt and posting of the opening deposit to the new account after which time non-introductory APY may apply. The initial application of the applicable introductory rate on end-of-day collected balances from $25,000 to $2,499,999 on a new Business Money Market Select account will be effective the second business day following the business day of the opening deposit. Daily collected balances less than $25,000 and greater than $2,499,999 will receive the non-introductory APY. Offer available only for a new Business Money Market Select account opened at a branch between September 15, 2018 and November 2, 2018 with all funds new to Bank of the West.

Interest and APYs: 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 (APY) are effective September 15, 2018 and are as follows: $0.00 to $9,999 is 0.02%, $10,000 to $24,999 is 0.02%, $25,000 to $49,999 is 1.81%, $50,000 to $99,999 is 1.81%, $100,000 to $249,999 is 1.81%, $250,000 to $499,999 is 1.81%, $500,000 to $999,999 is 1.81%, $1,000,000 to $2,499,999 is 1.81%, and $2,500,000 and above is 0.15%. During the Guarantee Period, the interest rates and APYs for the $0 to $24,999 and $2,500,000 and above tiers are variable and are subject to change at our discretion. The Introductory rates are expected to end on October 1, 2019 for accounts opened from September 15, 2018 through September 30, 2018 and on November 1, 2019 for accounts opened from October 1, 2018 through October 31, 2018 and December 2, 2019 for accounts opened from November 1, 2018 through November 2, 2018. Accounts opened earlier in either of those three time periods may earn the Introductory rate for more than 12 months. Upon expiration of the Guarantee Period, interest rates and APYs on all balance tiers are variable and may stay the same or may be changed at our discretion. Fees could reduce the earnings on the account.

9Terms, conditions, and fees may apply. 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.

10This offer is available to new EDS customers only who sign up for Electronic Deposit Service between June 15, 2018 and December 31, 2018. Customers will be charged a $25 monthly maintenance fee for a single-feed scanner bundle (standard price is $45 a month) or a $50 monthly maintenance fee for a multi-feed scanner bundle (standard price is $70 a month) starting on the 4th billing cycle (monthly maintenance fees for the first 3 billing cycles are waived). New customers can add additional accounts to EDS at no additional 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. Offers, terms, and conditions are subject to change at any time without prior notice.

11Offer available for new or existing Bank of the West customers who have or open a new business checking account with Bank of the West. Applications must be received and completed between September 15, 2018 and November 2, 2018. Available for Business Lines of Credit between $100,001 and $750,000. Bank of the West Prime is 5.00% as of August 15, 2018, and subject to change.

12Offer available for applications received and completed between September 15, 2018 and November 2, 2018. The advertised rate is fixed for the first year of the 5 year term. The rate resets every year on the anniversary of the first payment due date based on the 1 year LIBOR Index plus a margin of 3.00%. The 1 year LIBOR as of August 15, 2018 is 2.82%.

13Offer available for applications received and completed between September 15, 2018 and November 2, 2018. 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 3rd party costs incurred, must be paid by the borrower. 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.