Compare our checking features

Whether you’re looking for Any Deposit Checking with an easy way to waive the monthly service charge or a Premier Checking with a higher level of benefits, we’ve got an account for you.

Any Deposit Checking Premier Checking
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What You're Looking For
A simple checking account with one easy way to waive the monthly service charge. A premium-level relationship account with valuable benefits for your everyday banking.
Key Features
Deposit any amount1 each statement to waive the $10 monthly service charge. Any amount to open the account, and no direct deposit is required. A combined average monthly balance9 of $25,000 is required to waive the $25 monthly service charge.
Monthly Service Charge

No $10 monthly service charge for each monthly statement cycle that you:

  • Choose any deposit method1 (mobile, ATM, in-branch, or direct) and make a deposit of any amount each statement cycle.
  • Or, if any account holder is under 25 years of age, we'll waive the monthly service charge

No $25 monthly service charge for each monthly statement cycle that you:

  • Keep a minimum $25,000 combined average monthly balance in eligible accounts2,9 such as CDs, savings, IRAs and certain BancWest Investment Services investment accounts**
Overdraft Fee Relief

Overdraft Fee Eraser3—Upon request, we’ll reverse one overdraft or returned item fee per year

$5 Overdraft Buffer4—No overdraft charge if your overdrawn amount is $5 or less

Overdraft Coverage Options—additional Overdraft Programs from a linked savings, money market5 or Gold Line6 from a linked line of credit

Opening Deposit
Deposit any amount to open account Deposit any amount to open account
ATM Access
Unlimited use of Bank of the West ATMs nationwide Unlimited use of Bank of the West ATMs nationwide—plus unlimited rebates10 on non-Bank of the West ATM withdrawal fees worldwide
Additional Features
  • Dedicated Premier Customer Service Center
  • Higher rates on select deposit products11
  • Waived $795 mortgage loan administration fee12
  • Online and Mobile Banking with Bill Pay8
  • Complimentary Mastercard® debit card

And you won’t pay extra for:

  • Overdraft Protection annual and/or transfer fee13
  • World Mastercard® Card annual fee14
  • Small safe deposit box15
Annual Percentage Yield (APY)
Non-interest earning account 0.01% - 0.02% APY*
Depending on balance
Annual Percentage Yield (APY) is accurate as of 12/15/2017
View Rates

Your Any Deposit Checking Account Guide is now available. Download and print

Experience cutting-edge mobile technology. Connect to your banking and investment accounts from virtually anywhere9.

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Open an Any Deposit Checking account today. It only takes 10 minutes.

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Showing information for California

Deposit and loan products are offered by Bank of the West, Member FDIC.

Fees are subject to change. Please refer to the Deposit Account Disclosure for Personal Accounts and Schedule of Fees and Charges for Personal Deposit Accounts and any applicable addenda for complete terms and conditions of your personal checking Account.

1Deposits 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.

2Eligible accounts are bank deposit accounts (such as checking, savings, money market, CDs, and IRAs) and certain BancWest Investment Services accounts.*

3You will be charged an Overdraft Fee for an overdraft item paid if your account’s daily ending Available Balance is overdrawn more than $5.

4Upon request, we will refund one Overdraft Fee, Returned Item Fee, or Extended Overdraft Fee up to $36. One refund per rolling 12-month period.

5Savings Overdraft Protection transfers up to the available balance in your linked savings or money market. Certain fees and restrictions may apply.

6Gold Line account is subject to credit approval. Gold Line transfers are determined by your available credit limit. The Gold Line account will not advance funds to cover fees or charges assessed by the Bank. This may result in an overdraft on your checking account. Certain fees and restrictions may apply.

7Subject to credit approval

8Enrollment in Online Banking and download of our Mobile App required. Wireless carriers may charge fees for text transmissions or data usage. Additional terms and conditions apply.

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.**

10All 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.

11A 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.

12All loans are subject to credit approval and standard mortgage qualification and underwriting requirements. Certain fees and restrictions may apply. Must have at least one (1) Bank of the West Premier Checking account open prior to closing your Bank of the West mortgage loan to receive the loan administration fee waiver. Home equity loans and lines of credit are excluded. Other terms and conditions apply. Ask us for details.

13Applicable to Gold Line Annual Fee and Gold Line Loan Advance Fee and Savings Overdraft Protection Transfer Fee.

14Consumer loans, lines of credit, and credit card products are subject to credit approval. Terms and conditions may apply. Certain fees and restrictions may also apply. For Credit Cards or Gold Line, please see the Summary of Credit Terms available at the time of application for complete information about fees, Annual Percentage Rates (APRs), and other costs.

15Small safe deposit box subject to availability. One-time set-up fee applies.

*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.

** 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.

Investment and Insurance Products:
NOT FDIC INSURED
NOT BANK GUARANTEED
MAY LOSE VALUE
NOT A DEPOSIT
NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY