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
Cutting edge POS technology

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
  • Limited-Time Offer through December 21, 2018: Get up to $500 instant credit on POS equipment, like Poynt2

Same-Business Day Funding with Merchant Services

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  • Same-business-day funding3 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 expire4 and no annual fee
  • 60K bonus Points when you open new account and spend $5K within 90 days—a $450 value5
  • Business credit lines up to $100K

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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

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.

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

2 Promotional 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.

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 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 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 (

5 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 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: