Small Business Solutions

Get Your Funds Same-Business Day with Merchant Services

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Enjoy same-business-day funding1 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
Cutting edge POS technology

Cutting Edge POS Technology

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Sell Anywhere With Poynt.

  • Accept all payment types—including digital wallets
  • Transact2 anywhere with built-in 3G and wifi
  • Download business management and operations apps relevant to your specific needs
  • Limited-Time Offer: Get up to $500 instant credit on POS equipment, like Poynt3

Business Checking with No Monthly Fee4

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  • Limited-Time Offer: Classic Business Checking with no monthly service charge4
  • Online and mobile banking convenience
  • Customize your experience with Merchant Services and other tools to simplify your business finances
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 Rewards Points on All Purchases

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

  • Unlimited 2X reward Points5 that never expire and no annual fee
  • Simplified payments and easy transaction tracking sent directly to bookkeeping software programs
  • 60,000 bonus Points when you open new account and spend $5K within 90 days—a $450 value6

Put Your Extra Cash to Work

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  • Limited-Time Offer: 12-month introductory APY of 0.75% APY for balances $50,000-$99,999, 1.00% APY for balances $100,000-$249,999, or 1.26% APY for balances $250,000-$2,499,999 with a Business Money Market Select7
  • Easy access to your money, whenever you need8

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: 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.

Financing Your Business

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Financing to help cover opportunities and unexpected expenses. 

  • Enjoy a fixed monthly payment over longer pay periods with business term loans and owner-occupied commercial real estate loans
  • We're an SBA Preferred Lender11 with terms up to 25 years and as little as 10% down
  • Get back-up access to funds with business lines of credit
  • Limited-time offer: through September 7, 2018, with Deposit Balances of $50,000, get Prime + 0.50% on a Business Line of Credit12, plus pay no annual fee13 for the first year

Business Term Loans

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  • A business term loan can help your business cover major expenses such as equipment and technology14
  • Up to 100% financing
  • Extra 20% financing on purchases covering 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
  • 20-year fixed-rate term option available

Legal information and Disclosures

Loans, Credit Cards, and Lines of Credit are subject to credit approval. Conditions, fees, and restrictions may apply.

1Applies 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.

2Terms and conditions apply; see your account agreement and card terms and conditions for unauthorized transactions.

3Promotional 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 July 21, 2018 and September 7, 2018. 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.

4Classic 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 July 21, 2018 and September 7, 2018. Minimum opening deposit of $100. Offer subject to approval and can be changed without notice. All other fees and charges will apply. Refer to your Schedule of Fees and Charges for Business accounts.

5Points 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. Limit one Bonus per Account. Bonus reward Points offer is only valid for new Business Rewards Credit Card accounts; when qualifying purchases 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. Qualifying purchases (purchases minus any returns or adjustments) can be made by any and all cardholders on a single Account. Offer may not be combined with any other special offer. Balance transfers, cash advances, convenience checks, interest charges and any kind of fees charged to the Account do not count as purchases. Accounts must be open and in good standing to claim and redeem Points. Standard variable APR for purchase and balance transfer transactions is currently 15.24%. For additional credit card pricing information, see the Pricing and Terms for Business Rewards Credit Card information provided with your application. Business Card may be used for business purpose transactions only. Terms, conditions and other restrictions may apply.

660,000 Reward Points is a $450 value when redeemed for gift cards. Points have no value until redeemed for rewards.

7Open a new Business Money Market Select account at a Bank of the West branch between July 21, 2018 and September 7, 2018 with a minimum opening deposit between $50,000 and $2,499,999 with new funds to Bank of the West.  Opening deposit must be received and posted to the account no later than September 7, 2018. Personal, Commercial, and 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 APY Offer Limitations
The applicable Introductory Annual Percentage Yield (APY) of 0.75% is available on end-of-day collected balances of $50,000 to $99,999, and 1.00% APY on end-of-day collected balances of $100,000 to $249,999, and 1.26% APY on end-of-day collected balances of $250,000 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 $50,000 to $99,999, and $100,000 to $249,999, and $250,000 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 $50,000 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 July 21, 2018 and September 7, 2018 with new funds 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 July 21, 2018 and are as follows: $0.00 to $49,999 is 0.02%, $50,000 to $99,999 is 0.75%, $100,000 to $249,999 is 1.00%, $250,000 to $2,499,999 is 1.26%, $2,500,000 and above is 0.15%. During the Guarantee Period, the interest rates and APYs for the $0 to $49,999 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 August 1, 2019 for accounts opened from July 21, 2018 through July 31, 2018 and on September 3, 2019 for accounts opened from August 1, 2018 through August 31, 2018 and October 1, 2019 for accounts opened from September 1, 2018 through September 7, 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.

8Transaction limits may apply.

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.

11SBA 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.

12Offer 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. Applications must be received and completed by September 7, 2018.  Requires automatic payments from a Bank of the West checking account. Bank of the West Prime is 5.00% as of June 19, 2018, and subject to change.

13The Annual Fee will be charged at the first anniversary of the open date of the line of credit and continue annually as long as the line is open.

14Terms for credit products are subject to final credit approval. Fees, conditions, and restrictions may apply in accordance with Bank of the West credit and lending guidelines.