Compare Checking Accounts

With our checking accounts, you’ll enjoy the features and benefits that fit your specific needs. Plus, our award-winning customer service is there to help you every step of the way.

Bank of the West Premier Checking Signature Checking Easy Checking
Bank of the West Premier CheckingSignature CheckingEasy Checking
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


Waived when you:

  • Maintain at least $25,000 combined average monthly balance3 in this Bank of the West Premier Checking account plus other eligible personal checking, money market, savings, CDs, IRAs, and eligible BancWest Investment Services4 investment accounts


Waived when you:

  • Maintain an average monthly balance of $15,000 or more each statement cycle
  • Maintain a combined average monthly balance of $25,000 or more in linked savings and money market accounts, CDs and/or IRAs1 each statement cycle


Waived when you:

  • Maintain an average monthly balance of $1,000 or more each statement cycle
  • Receive at least one direct deposit of $250 or more during each statement cycle
  • 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
Take an Online Banking Tour
Debit card Yes Yes Yes
Optional overdraft protection2 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

1Personal 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.

2Overdraft 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.

3Based 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.

4Securities 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 AZ, CO, IA, ID, KS, MN, MO, ND, NE, NM, NV, OK, OR, SD, UT, WA, WI, WY, HI, Guam and CNMI. Bank of the West and its various affiliates and subsidiaries are not tax or legal advisors.

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.

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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