Waiving the monthly service charge is just the beginning

Any Deposit Checking lets you bank simply every day

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Two simple ways to waive the $10 monthly service charge:

  • Any deposit each statement cycle1
  • Or if any account owner is under age 25, we’ll waive the monthly service charge

Any Deposit Checking offers you convenience, flexibility and value

Overdraft Fee Eraser2

Upon request, we’ll refund one overdraft or returned item fee per year.

$5 Overdraft Buffer3

No overdraft fees when your account is overdrawn by $5 or less

Overdraft Coverage Options

Additional Overdraft Programs from a linked savings, money market4 or Gold Line5 from a linked line of credit

Manage your account fees and charges

You may be able to avoid additional fees by reviewing and understanding the Schedule of Fee and Charges for your checking account(s). Learn more by reviewing the schedule of fees and charges in the disclosures below.

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

Additional features

  • Cutting Edge Mobile Banking App6
    • Face or fingerprint sign-in – enjoy fast, safe and convenient sign-in using Touch ID® or Face ID® on an iPhone® or your fingerprint on an Android™ phone7
    • Quick balance8 option: See account balances with the swipe of a finger--no logging in.
    • Mobile Deposit: Make deposits with your smartphone
    • Scan to Pay: Capture all paper bill stub information with a smartphone camera
  • Complimentary Mastercard® debit card
  • Free use of any Bank of the West ATM
  • Online and Mobile Banking and Bill Pay

Digital convenience comes standard

  • Make Transfers
  • Mobile Payments
  • Mobile Deposits
  • Mobile Alerts

Call or visit a branch for questions or help. See all Customer Service options.

1-800-488-2265
Mon-Fri, 4a.m.-10p.m. PT
Sat, Sun, & most holidays 5a.m.-10p.m. PT
TTY 1-800-659-5495

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

APPLY ONLINE TODAY

Showing information for California

Any Deposit Checking not the right account for you?

We also offer Premier Checking – an interest bearing account with added premier benefits. Compare checking account features. Looking for an interest-earning savings account with a low minimum deposit? Open a Classic Savings account today.

Legal information and Disclosures

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.

2Upon request, we will refund one Overdraft Fee, Returned Item Fee, or Extended Overdraft Fee up to $36. One refund per rolling 12-month period.

3You will be charged an Overdraft Fee for an overdraft item paid if your account’s daily ending available balance is greater than $5.

4Savings Overdraft Protection transfers up to the available balance in your linked savings or money market. Certain fees and restrictions may apply.

5Gold 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.

6Enrollment 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.

7Touch ID is available only for newer iPhones (5s and later) using iOS8 or higher. Face ID is available only on iPhone X. These features are not available on iPad®. Fingerprint sign-in is available on capable Android devices with Android 6.0 Marshmallow and higher. These capabilities are referred to as “Biometric Identification Features” in the Bank of the West Online and Mobile Service Agreement.

8The Quick Balance feature is available only for Android, iPhone, and iPad apps, and you must activate it from the "More" menu in the app. IMPORTANT NOTE: When the Quick Balance feature is active (on), anyone who has access to your device can view the balances displayed. You always have the ability to turn off Quick Balance from the "More" menu. BancWest Investment Services accounts are not included in Quick Balance.

iPhone, iPad, Touch ID and Face ID are trademarks of Apple Inc., registered in the U.S. and other countries. Android is a trademark of Google LLC.