With our liquidity management solutions, we can help you:
- Maintain an efficient cash position to meet your daily business obligations
- Improve operational efficiency and risk management
- Maximize yield and reduce costs
Make use of excess funds by linking your account to one of our investment sweep options.1 Contact your local banker for additional details on investment sweep services.
Investment sweeps benefits
- Automated target balance established by the client.
- Convenient reporting via WebDirect online banking.
- An automated sweep system eliminates the need to call in daily investment instructions.
Commercial loan sweeps
Automatic transfers between a revolving line of credit and a business account enable your business to control borrowing costs while reducing interest expenses.
Commercial loan sweeps benefits
- Saves time / increases efficiency. A completely automated sweep system eliminates the need to call in daily investment instructions.
- Eliminates idle balances across accounts. Balances exceeding your target balance are automatically used to pay down a linked line of credit.
- Maintain control of your accounts. Receive daily notifications of advances.
Zero balance accounting
Zero balance accounting helps you efficiently manage your cash with a fully automated physical concentration of balances to/from your Bank of the West accounts. Disburse from, or deposit to, a single master account using automated funds transfers.
Zero balance accounting benefits
- Eliminates idle balances across accounts and provides a consolidated view of overall cash position.
- Reduces reliance on lines of credit.
- Minimizes clerical time/operating expenses.
Earnings credit rate
- Waive the $25 monthly service charge with $25,000 combined average monthly balance2
- Save on select consumer loans with interest rate discounts3.
- Earn bonus rates on CDs and Money Market accounts
- Enjoy zero-commission buying and selling with 15 online equity and ETF trades each month in your BancWest Investment Services** brokerage account.4
- Pay no ATM withdrawal fees at any ATM in the world1
1An investment in a money market fund is not FDIC insured or guaranteed by any other government agency. Although the fund seeks to preserve the value of your investment at $1.00 per share, it is possible to lose money by investing in the fund.