Small Business Solutions

Merchant Services: Sell It Today. Get Paid Today.

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  • Same-business-day funding1 at no extra charge
  • No long-term commitments or cancelation fees
  • Point-of-sale equipment purchase or rental options

Business Rewards Credit Card: 2X Reward Points

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  • Unlimited 2X Reward Points on purchases2
  • 60k bonus Points (a $450 value) when you spend $5K within 90 days3
  • Special Offer: Get 0% intro APR on purchases4 for the first 9 months (offer available through 06/30/20)
  • No annual fee

Business Checking Accounts

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

Business Money Select Market: Put Your Cash to Work

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  • Get a competitive interest rate with a Business Money Market Select account
  • Easy access to your money, whenever you need5
  • Withdraw and deposit at our branches and ATMs

We’re Local. Find Your Nearest Branch.

Business Loans and Lines of Credit

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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

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)

SBA Loans

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  • We're an SBA Preferred Lender with terms up to 25 years and as little as 10% down6

Electronic Deposit Services – Make Fewer Trips to the Bank

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Save time depositing checks

  • Deposit checks securely from your office with a desktop scanner7
  • Get your cash faster by depositing checks as you receive them

Legal information and Disclosures

All loans 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.

1 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.

2 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 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 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 (

3 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.

4 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.

5 Transactions limits and excess withdrawal fees may apply.

6 SBA loans from Bank of the West are in participation with the US Small Business Administration. Loans are subject to credit approval in accordance with both Bank of the West and SBA eligibility and lending guidelines and are for business purposes only.

7 Terms, 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.

Investment and Insurance Products: