$0 monthly service charge

Our Any Deposit Checking product offers a $0 monthly service charge when you deposit any amount each monthly statement cycle.1 Open your account today. It only takes 10 minutes.
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$0 ATM withdrawal fees worldwide

Our Premier Checking product offers a $0 monthly service charge with a minimum $25,000 combined average monthly balance in eligible accounts2 plus no ATM withdrawal fees worldwide.3
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Checking accounts to fit your needs - our Bank of the West checking accounts include:

  • Secure Chip Debit Card

    More security with chip-enabled debit cards

  • Online Payments

    Schedule bill payments & send money to family and friends using Zelle®4

  • Fraud Protection Guarantee

    $0 liability on fraudulent debit card transactions5

Any Deposit Checking account has

  • $0 monthly service charge when you deposit any amount each monthly statement cycle
  • No minimum balance requirement
  • No Direct Deposit required
  • Cutting-edge mobile banking features
  • $10 monthly service charge for each statement cycle without a deposit
  • No charge for digital statements or $3 per statement cycle for paper statements
  • Deposit any amount to open account

Waiving the service charge is just the beginning

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Premier Checking account has

  • $0 monthly service charge when you keep a minimum of $25,000 combined average monthly balance in eligible accounts2
  • Unlimited rebates3 on ATM withdrawal fees worldwide
  • Preferred rates and waived fees on select accounts and loans6
  • $25 monthly service charge each monthly statement cycle with an average balance below $25,000
  • Deposit any amount to open account

Enjoy a premium-level relationship with valuable benefits

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Our cutting-edge mobile banking app features include7.

  • Quick Mobile Payments

    Pay friends and family using Zelle® typically in minutes4,8

  • Secure Fingerprint Login

    Log into your account with a secure touch

  • Account Text Alerts

    Easily keep track of account activity

  • Easy Mobile Deposits

    Check deposits are quick and easy in app

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

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Showing information for California

Legal information and Disclosures

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.

1 Deposits 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.

2 Maintain 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.*

3 All 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.

4 Zelle is available to almost any bank account in the U.S.

5 Conditions 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.

6 A 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.

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

8 Transactions between enrolled Zelle users typically occur in minutes. If your recipient is not yet enrolled with Zelle, it may take between 1 and 3 business days after they enroll. Requests sent to a recipient’s email address that is not enrolled in Zelle will include an invite to enroll in Zelle before the request can be processed. Bank of the West cannot process requests using a recipient’s mobile phone number that is not enrolled in Zelle.

All 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.

Consumer 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.

*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