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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.