GET UP TO $3001 WHEN YOU OPEN A NEW CHECKING ACCOUNT BY 8/19/16

Compare Checking Accounts

Discover the right account for you with the benefits and features you need. Plus, you can receive up to $3001 when you open a new eligible checking account and take advantage of a limited-time offer. To participate, start by opening your new checking account online or in a branch by August 19, 2016.

Bank of the West Premier Checking Signature Checking Easy Checking
Bank of the West Premier CheckingSignature CheckingEasy Checking
For a limited time: You Can Get $3001
Read more about this Premier Checking Offer
Get up to $1502
Read more about this Signature Checking Offer
Get up to $1502
Read more about this Easy Checking Offer
You're looking for: A premium-level Bank of the West** relationship with valuable benefits for your everyday banking An interest-earning checking account with added benefits An everyday account with a low minimum balance
Annual Percentage Yield (APY)
Monthly service charge

$30

Waived when you:

  • Maintain at least $50,000 combined average monthly balance5 in this Bank of the West Premier Checking account plus other eligible personal checking, money market, savings, CDs, IRAs, and eligible BancWest Investment Services6 investment accounts

$30

Waived when you:

  • Maintain an average monthly balance of $15,000 or more each statement cycle
    OR
  • Maintain a combined average monthly balance of $25,000 or more in linked savings and money market accounts, CDs and/or IRAs3 each statement cycle

$8 if you enroll in Online Statements for your account

$10 if you receive paper statements

Waived when you:

  • Maintain an average monthly balance of $1,000 or more each statement cycle
    OR
  • Receive at least one direct deposit of $250 or more during each statement cycle
    OR
  • Use your Bank of the West Debit Card for 10 or more purchases during each statement cycle
Online and Mobile Banking with Bill Pay Yes Yes Yes
Debit card Yes Yes Yes
Optional overdraft protection4 Yes Yes Yes
Earns interest Yes Yes
No fee for money orders, standard checks and stop payments Yes Yes
No Bank of the West charge at other bank ATMs Yes Yes
No ATM withdrawal fees at all – unlimited rebate of non-Bank of the West ATM withdrawal fees too Yes
Dedicated Premier customer service Yes
Premier investment benefits and loan discounts Yes
Premium credit benefits through the World MasterCard® Yes

1Requirements to Receive the $300 Bonus:

  • Open a new personal Bank of the West Premier Checking account at a branch between 07/09/16 and 08/19/16 with a minimum opening deposit of $500 or more with funds new to Bank of the West (Bank).
  • Maintain a minimum of $50,000 combined average monthly balance in this Bank of the West Premier Checking account, plus other linked personal checking, savings, money market accounts and non-IRA CDs, as well as prior end-of-month balances in eligible BancWest Investment Services (BWIS) investment accounts.
  • Qualifying Period - Maintain the minimum $50,000 combined average monthly balance for each of the first two full calendar months immediately following the month in which the opening deposit posts to the account.
  • Opening deposit must be received and posted to the account no later than 08/26/16.
  • Account must be in open status and have a positive balance as of 10/31/16 to be eligible to receive any bonus.
  • Bonus will be credited by 8/19/16 to the open Bank of the West Premier Checking account.
  • All accounts are subject to the Bank's standard terms and conditions and Schedule of Fees and Charges.

Accounts not Eligible for Combining Balances to Earn Bonus:

  • Linked accounts for combining balances do not include any account, the inclusion of which is prohibited by law or may result in a breach of any fiduciary duty, law or regulation, including the Employee Retirement Income Security Act of 1974 ("ERISA").
  • IRA CDs and investment IRAs are not eligible for combining balances to earn the bonus.
  • Business accounts are not eligible for this offer.

Bonus Limitations:

  • Limit of one consumer checking bonus per individual and per mailing address. If the customer or other individuals residing at the same address received or may receive any other consumer checking bonus from the Bank between 07/01/15 and 11/29/16, then no one at that address is eligible.
  • Offer does not apply to second or multiple personal checking accounts.
  • Bank will classify the bonus as interest paid to the Bank of the West Premier Checking account. Any applicable taxes associated with the bonus are the responsibility of the Bank of the West Premier Checking account holder. To the extent required by law, Bank of the West will report total value of this bonus to the IRS on Form 1099-INT for tax year 2016.
  • Offer is not available to existing Bank customers with an open personal checking account as of 07/08/16 or to employees of the Bank and its affiliates.

2Requirements to Receive the $150 Bonus:

Offer only valid for a new Easy, 55+, Signature, or Choice Interest checking account opened at a branch or account application submitted on bankofthewest.com between 07/09/16 and 08/19/16 with a minimum opening deposit of $100 or more with funds new to Bank of the West (Bank) received and posted to the account no later than 08/26/16.

To receive the $100 bonus, customer must have a direct deposit of at least $250 (two or more direct deposits that add up to $250 do not qualify) posted to the Checking account by 08/26/16. Direct deposit must be payroll, Social Security, pension or other government benefits.

To receive the $50 bonus, customer must request, receive and use a new Bank of the West Debit Card linked to the new Checking account for 10 or more debit card purchases all of which must post to the account by the last business day of the month for each of the first two full calendar months immediately following the month in which the opening deposit posts to the account, for a total of 20 or more transactions. Each purchase must be $3 or more. ATM transactions are excluded. All required purchases must be posted by 10/31/16.

Restrictions to Earn Checking Bonus:

  • Offer does not apply to Student or Premier Checking.
  • Offer does not apply to second or multiple checking accounts.

Offer is not available to existing Bank of the West customers with an open checking account as of 07/08/16.

Bonus Limitations

  • If the customer or other individuals residing at the same address received or may receive any other consumer checking bonus from the Bank between 07/01/15 and 11/29/16, then no one at that address is eligible.
  • Limit of one consumer checking bonus per individual and per mailing address.
  • Employees of Bank of the West and its affiliates are not eligible for this offer.
  • Account must be in open status and have a positive balance as of 10/31/16 to be eligible to receive any bonus.
  • Bonus will be credited to the open Checking account by 11/30/16.
  • Bank will classify the bonus as interest paid to the Checking account. Any applicable taxes associated with this offer are the responsibility of the account holder. To the extent required by law, Bank will report total value of the offer to the IRS on Form 1099 for tax year 2016. All accounts are subject to the Bank’s standard terms and conditions and Schedule of Fees and Charges. An early closure fee of $25 will apply if an account is closed within 91 days of the account opening date.

3Personal checking, money market, savings, CD and/or IRA accounts can be automatically linked to only one Signature Checking account. The primary account owner on Signature Checking must also be an owner on any linked accounts for the combined balance waiver. Additional Signature Checking accounts must meet standalone balance requirement for the monthly service charge to be waived, unless it is a secondary Signature Checking linked to a primary Signature Checking account.

4Overdraft programs are available such as Savings Overdraft Protection (which is available with a linked savings or money market) or Gold Line (which is a line of credit linked to a checking account). Gold Line account is subject to credit approval. Certain restrictions and fees may apply to all overdraft programs.

5Based on your accounts' ownership, the Bank will automatically identify your eligible Bank and BancWest Investment Services ("BWIS") accounts for the purpose of calculating the combined average monthly balance. Eligible Accounts with ownership that is identical to that of the Bank of the West Premier Checking (referred to as “Identical Ownership”) will automatically have their account balances combined for the purpose of qualifying for rebate of the monthly service charge. Additionally, any owner of the Bank of the West Premier Checking may elect to Opt In to have account balances in other Eligible Accounts of which he/she is also an owner (referred to as “Common Ownership”) combined for the purpose of qualifying for rebate of the monthly service charge. By Opting In to Common Ownership, each owner of a joint Bank of the West Premier Checking understands and agrees that a co-owner may be able to discern balances in joint accounts held with other owners. Each owner may Opt Out of Common Ownership at any time.

Grantor-trustees of Revocable Trusts may opt in to Common Ownership and balances of such trusts will be included with other individually or jointly held accounts. However, balances of irrevocable trusts may not be combined with personally held assets. Similarly, customers may not include assets over which they have representative or fiduciary control such as when the customer has power of attorney, acts on behalf of an estate, or serves as a guardian, conservator, or custodian. Additionally, fiduciaries opting in to Common Ownership assume responsibility for ensuring that any fiduciary account that may be combined in the Program will not be a violation of fiduciary duty. The date range of the Bank of the West Premier Checking account's statement cycle will be used to calculate the combined average monthly balance in the eligible associated checking, money market, savings, CD, IRA accounts and eligible BWIS investment accounts. For the Bank to determine whether the combined average monthly balance requirement has been met, BWIS will provide balance information for all eligible investment accounts as received from affiliates and third party providers.

6Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer, Member FINRA/SIPC, and an SEC-registered investment adviser. Financial Advisors are Registered Representatives of BancWest Investment Services. BancWest Investment Services is a wholly owned subsidiary of Bank of the West. BancWest Corporation is the holding company for Bank of the West. BancWest Corporation is a wholly owned subsidiary of BNP Paribas.

Investment and Insurance Products:
  • Not FDIC insured
  • Not bank guaranteed
  • May lose value
  • Not a deposit
  • Not insured by any federal government agency

*This account earns interest at a variable rate. Rates differ based on balance. Rates may change any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account. Additional restrictions may apply.

**Bank of the West ("Bank") provides automatic access to the Bank of the West Premier program ("Program") to personal account holders who open at least one (1) Bank of the West Premier Checking account. The Program is only available to personal account holders and not available to businesses. The Program's benefits include reduced or waived fees or discounts for a suite of Bank products and services, as well as certain benefits made available by BancWest Investment Services (“BWIS”), the Bank's affiliated broker-dealer. Additional application, enrollment, or credit approval may be required, depending upon the product or service. Your access to the Program's benefits continues as long as you maintain at least one (1) Bank of the West Premier Checking account. See our Terms and Conditions.

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