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¹The 1% for the Planet account is the Any Deposit Checking account that donates 1% of the net revenue to environmental nonprofits through the 1% for the Planet organization

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. The deposit must be made between the start and end dates of your statement cycle.

³Net revenue is generally defined as all fees charged to the account, plus interest income earned by the Bank on this account, minus any losses, debit card revenue and reversals. To view the complete definition of net revenue, please visit the product disclosures at https://www.bankofthewest.com/personal-banking/checking-accounts/one-percent-checking.html 

⁴The carbon tracking tool, which will appear in the Bank of the West Mobile app for 1% for the Planet account, uses the Åland Index, a cloud-based service for carbon impact calculations, to provide a measurement of the potential carbon impact of purchases made with the 1% for the Planet debit card. The calculation is based on the merchant code, a code that indicates the types of goods or services a company provides, and the amount of the purchase. The actual carbon impact may be higher or lower than the measurement provided. The Åland Index is the leading index solution for carbon emission calculations for payments and financial transaction Åland Index Solution is a joint venture between Ålandsbanken and Doconomy. Bank of the West licenses the Åland Index through Doconomy.

⁵The 1% for the Planet debit card is made from 100% compostable/biodegradable PVC, however, the EMV chip, magnetic strip, ink and hologram are not biodegradable

⁶All ATM cash withdrawal fees charged by non-Bank of the West ATMs will be rebated within one (1) business day of the fees posting to your account. Other fees such as foreign currency transaction fees may apply.

⁷A Premier Relationship Premium (available to Bank of the West Premier Checking customers) is a bonus interest rate added to the standard interest rate on one (1) qualifying Choice Money Market Savings account for selected balance tiers. Interest rates are set at the Bank’s discretion and are subject to change without notice. Only one (1) Choice Money Market Savings account can be linked to a Bank of the West Premier Checking account and must have the same ownership. To automatically qualify for a Relationship CD interest rate on select CD products, you must have a Bank of the West Premier Checking account with identical ownership as the Relationship CD. Additional terms and conditions apply. Ask a banker for details.

⁸Consumer loans, 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.

⁹Maintain at least $25,000 combined average monthly balance in this Bank of the West Premier Checking account plus other eligible personal Bank checking, money market, savings, CDs, IRAs, and eligible BancWest Investment Services investment accounts. Eligible accounts are bank deposit accounts (such as checking, savings, money market, CDs, and IRAs) and certain BancWest Investment Services accounts.*

¹⁰Enrollment in Online Banking and download of our Mobile App required. Wireless carriers may charge fees for text transmissions or data usage. Message frequency depends on account settings. Text HELP to BKWST (25978) for help. Availability of Mobile Banking may be affected by your mobile device's coverage area. Requires mobile phone with text messaging capabilities. Mobile Banking requires an internet-ready phone and is supported on Apple iPhone devices with iOS 9 and greater and on Android mobile devices with OS 5 and greater. Mobile deposits made before 7 pm PT will be processed the same business day and made available within two business days. Longer delays may apply based on the type of items deposited, amount of the deposit, account history or if you have recently opened your account with us

¹¹Conditions and restrictions apply. Your liability for unauthorized use of your debit card for debit transactions processed through the Mastercard system will be zero dollars ($0) provided the following conditions are met: (1) you can demonstrate that you exercised reasonable care in safeguarding the debit card from risk of loss or theft; and (2) upon becoming aware of a loss or theft, you promptly report the loss or theft to Bank of the West. Refer to the "Consumer Liability of Unauthorized Transfers" and "Mastercard Debit Card Zero Liability" sections of your Deposit Account Disclosure for Personal Accounts (PDF) for details.

*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