Small Business Solutions

Put your extra cash to work

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Limited-Time Offer through May 24, 2019:

  • 12-month introductory 2.05% APY for balances $10,000-$2,499,999 with a Business Money Market Select1 account

Get paid faster same-business-day with merchant services

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Enjoy same-business-day funding2 at no extra charge, plus:


  • Access to 24/7/365 live, U.S.-based support
  • No long-term commitments
  • Point-of-sale equipment options, including mobile card readers
  • Limited-time offer through June 30, 2019:
    • Up to $300 rebate3 on point-of-sale equipment

Unlimited 2X Reward Points on Purchases

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See how a Business Rewards Credit Card can help your business.

  • Unlimited 2X reward Points that do not expire4 and no annual fee
  • 60,000 bonus Points when you open new account and spend $5K within 90 days—a $450 value5
  • 0% intro APR on purchases for the first nine months6

Business checking accounts

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Limited-Time Offers through May 24, 2019:

  • No monthly service charge on Classic or Choice Business Checking for six months7

A faster way to capital

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Apply for lines and loans up to $100k in just about 10 minutes:

  • Business credit cards
  • Business lines of credit
  • Business term loans
  • Streamlined application process online and in branch
  • Access to funding in as little as two business days

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 May 24, 2019: credit toward closing costs8 up to $3,500 on loan amounts up to $2.5 million (savings based on loan amount)

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 through May 24, 2019: Get a credit up to $10,000 toward the appraisals or other closing costs on qualifying loans up to $15 million9 (savings based on loan amount)

Make Fewer Trips to the Bank

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Save time depositing checks

  • Deposit checks securely from your office with a desktop scanner10
  • Get your cash faster by depositing checks as you receive them
  • Limited-Time Offer through December 31, 2019:
    • Try Electronic Deposit Services for 3 months with no monthly charge; as low as $25 per month after11

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Legal information and Disclosures

Loan 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.

1Requirements to Receive Business Money Market Select Introductory Rate Offer

  • Open a new Business Money Market Select account at a branch between 03/30/19 to 05/24/19.
  • A minimum opening deposit of $10,000 with all new funds to Bank of the West is required to receive the 2.05% APY Introductory Rate offer
  • Opening Deposit must be received and posted to the account no later than 05/24/19.
  • 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 Rate Offer Limitations

  • The Introductory Rates shown above are available on end-of-day collected balances of $10,000 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 interest rates and APYs may apply. Please note that if you close the account before interest is credited at the end of the statement period, you will not receive the accrued interest for that statement period.
  • The initial application of the applicable Introductory Rate on end-of-day collected balances of $10,000 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 deposit.
  • Daily collected ending balances below $10,000 and above $2,499,999 will earn the non-introductory rate.

Interest and APYs
Interest is compounded monthly and paid monthly at statement cycle. 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 (APYs) displayed above are effective as of 03/30/19. During the Guarantee Period interest rates and APYs for the $0 to $9,999 and $2,500,000 and above balance tiers are variable and may change at our discretion. The Introductory Rates are expected to end on 05/01/20 for accounts opened from 03/30/19 through 04/30/19 and on 06/02/20 for accounts opened from 05/01/19 through 05/24/19. Accounts opened earlier in the time period may earn the Introductory Rate for more than 12 months. Upon the expiration of the Guarantee Period, interest rates and APYs on all balance tiers are variable and may stay the same or may change at our discretion. Fees could reduce earnings on the account.

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.

3A $300 statement credit will be awarded to new Bank of the West  Merchant Services customers who (1) open and activate a new merchant services account with Elavon and (2) make a minimum $650 purchase or lease of qualifying equipment, between 01/01/2019 and 06/30/2019. A new merchant services account is activated by processing a transaction of $10 or greater within 60 days of merchant services account being opened. Qualifying equipment includes: Triple Lock EMV terminal, Poynt Smart Terminal, Talech or NCR Silver. The $300 statement credit will be applied to your merchant services account statement no later than one month after your new merchant services account is activated and qualifying equipment is purchased or leased. Bank of the West merchant services, merchant services accounts, and qualifying equipment 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 qualifying equipment or merchant services.

Offer available on Poynt Smart Terminal, an Ingenico iCMP, or an Ingenico RP457c. $159 credit of purchased terminal provided as a statement credit to the incurring monthly fees and charges collected by Elavon and does not include any collected sales tax. Credit eligibility requires activating your terminal within 60 days of either: approval of a new Merchant Services mobile account, to include mobile payments or upgrade of an existing mobile account to include the new EMV-enabled mobile card reader. One credit allowed per customer. Please allow 30-60 days following activation for statement credit to be applied. Offer valid for accounts approved or upgraded by 06/30/19.

Merchant Services and 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 equipment or services.

4Reward 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 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, which will be sent to you after your account is opened and 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).

5Bonus 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 01/31/2019, 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.

6The 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.

7Business Checking offers available for new business checking account customers and existing business customers without a Bank of the West business checking account. Account must be opened between 03/30/19 and 05/24/19 to be eligible. Minimum opening deposit of $100 required.

Classic Business Checking: No monthly service charge on Classic Business Checking for first six statement cycles after the opening date of the account. Thereafter, the $10 monthly service charge on Classic Business Checking may be fully rebated by: (1) maintaining a $3,000 minimum daily balance in the account; (2) maintaining a $6,000 average monthly combined balance in linked business money market, savings, and CD accounts. The monthly service charge on Classic Business Checking and any applicable rebates will be assessed on the first business day of the statement cycle for the previous statement cycle's activity. Statement cycles normally occur on the last business day of the calendar month, so depending on account opening date, the initial statement cycle may be less than 30 days.

Choice Business Checking: No monthly service charge on Choice Business Checking for first six statement cycles after the opening date of the account.  Thereafter, the $20 monthly service charge on Choice Business Checking may be fully rebated by: (1) maintaining a $6,000 minimum daily balance in the account; (2) maintaining a $15,000 average monthly combined balance in linked business money market, savings, and CD accounts; or (3) having at least three Relationship Services (i.e., Merchant Services offered by Elavon, Business Credit Card, Electronic Deposit Service (EDS), or Payroll Services). If only one or two Relationship Services are maintained, the monthly service charge on the Choice Business Checking account will receive a partial rebate of $5 for each Relationship Service. The monthly service charge on Choice Business Checking and any applicable rebates will be assessed on the first business day of the statement cycle for the previous statement cycle's activity.  Statement cycles normally occur on the last business day of the calendar month, so depending on account opening date, the initial statement cycle may be less than 30 days.

8Offer valid for applications received and completed between 03/30/19 and 05/24/19. Offers available for new Bank of the West loans only. The closing cost credit will be applied on the settlement statement as a credit towards third-party fees such as appraisal, title policy and environmental fees incurred during the loan process. If the actual third party fees incurred are less than the advertised credit amount, no further credit will be given. The fee credit cannot be combined with any other loan offers. A credit up to $500 will be applied for loans between $150,000 and $500,000 and a credit up to $3,500 will be applied for loans between $500,001 and $2,500,000. All loan offers require automatic payments from a Bank of the West business checking account.

9SBA 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.

10Terms, 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.

11This offer is available to new EDS customers only who sign up for Electronic Deposit Service between 06/15/18 and 12/31/18. 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.