Any Deposit Checking
- Waive the monthly service charge with a single deposit of any amount each monthly statement cycle.2
- No direct deposit requirement
- No minimum balance requirement
- Reverse one overdraft fee per year3
Choice Money Market Savings
Earn Premier Relationship Premium Interest Rates when linked to a Bank of the West Premier Checking account.5,6
Cash Back Rewards MasterCard®
Take advantage of competitive rates and flexible financing options for new and used vehicles.
1Loans, lines of credit and credit card products are subject to credit approval. Terms and conditions apply. Certain fees and restrictions may also apply. Ask your banker for details.
2Deposits include direct deposit, mobile deposit, ATM deposit or in branch deposit of any amount. Does not include fund transfers between Bank of the West accounts or any credits from Bank of the West.
3Upon request, we will refund one (1) Overdraft Fee or Returned Item Fee in a rolling 12-month period.
4Foreign transaction fees may apply.
5A Premier Relationship Premium (available to Bank of the West Premier Checking customers) is a bonus interest rate on qualifying Choice Money Market Savings accounts for selected balance tiers. The standard interest rate plus the Premier Relationship Premium interest rate equals the Premier Relationship Interest Rate. The Premier Relationship Premium interest rates are set at the Bank’s discretion and are subject to change without notice. Only one Choice Money Market Savings account can be linked to a checking account. There may not be a Premier Relationship Premium associated with every balance tier.
6To automatically qualify for a Premier Relationship Interest Rate, you must have an open Bank of the West Premier Checking account and one Choice Money Market Savings account with the same ownership. The Premier Relationship Interest Rate will be earned on your Choice Money Market Savings account, and is calculated as follows: On the last day of your statement cycle, your Choice Money Market Savings account’s end-of-day collected balance tier will be determined. If the Bank is paying a Premier Relationship Premium for that balance tier, that Premium will be added to the standard interest rate for the balance tier into which your daily end-of-day balance falls each day during the next full statement cycle. The Premier Relationship Premium will be applied beginning the first business day of the statement cycle. Once set, the Premier Relationship Premium will not change during that statement cycle. The standard interest rate can change as frequently as daily. The Premier Relationship Interest Rate is compounded daily and paid to your Choice Money Market Savings account on the last day of the statement cycle. If you do not qualify for a Premier Relationship Premium as of the last day of any statement cycle, your account will earn only the standard interest rate during the next full statement cycle.
7Cash Back rewards are based on Net Purchases (qualifying purchases less credit, returns, and adjustments). 1% base Cash Back for every $1 of net purchases. Eligible merchants for the 3% bonus categories (2% Bonus Cash Back on top of the 1% Base Cash Back) include: (a) groceries (representing grocery stores/supermarkets, freezer/meat provisioner, miscellaneous food stores, bakeries, and candy/nut/confection stores); (b) Dining (representing eating place restaurants, bars, lounges and fast food restaurants); (c) Gas (representing service stations and automated fuel dispensers). After $1,500 is spent on gas purchases each calendar quarter, you go back to earning 1% Base Cash Back.
8Reward Points are awarded only on net, new 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.
9Lower rates may be available for Wealth Management clients. Click here for more information.
*Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer Member FINRA/SIPC, and SEC Registered Investment Adviser. Financial Advisors are Registered Representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Insurance Agency in California (License #0C52321) and through BancWest Investment Services, Inc. in all other states where it is licensed to do business. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Bank of the West and its various affiliates and subsidiaries are not tax or legal advisors. Please consult your tax or legal advisor for more information regarding your personal situation.
BancWest Investment Services is a wholly owned subsidiary of Bank of the West. Bank of the West is a wholly owned subsidiary of BNP Paribas.