Any Deposit Checking

Key Features

Any amount to deposit¹ each statement to waive the $10 monthly service charge. Direct Deposit not required.
Any amount to open the account.

Two Ways to Waive the $10 Monthly Service Charge

Choose any deposit method (mobile, ATM, in-branch, or direct) and make a deposit of any amount each statement. It's that simple.
If any account holder is under 25 years of age

Overdraft Options

Overdraft Fee Eraser²—Upon request, we’ll refund one overdraft or returned deposit item fee per year.
$5 Overdraft Buffer³—No overdraft fees when your account is overdrawn by $5 or less
Overdraft Programs for occasional or unplanned overdrafts (Savings Overdraft Protection from a linked savings, money market⁴ or Gold Line⁵ from a linked line of credit)

Additional Features

Cutting Edge Mobile Banking App⁶

Touch ID: Log in with a fingerprint⁷
Quick balance option: See account balances with the swipe of a finger—no logging in.⁸
Scan to Pay: Capture all paper bill stub information with a smartphone camera
Mobile Deposit: Make deposits with your smartphone

Debit card
Free use of Any Bank of the West ATMs
Online and Mobile Banking and Bill Pay

Your Any Deposit Checking Account Guide is now available. Open a PDF that you can download and print.

Digital convenience comes standard

Manage Your Account Fees and Charges

You may be able to avoid additional fees by reviewing and understanding the terms and conditions of your checking account(s). Learn more

View full interest rates

Deposit Account Disclosure for Personal Accounts

Want to know more about us?

Check out our Award Page.

What You Need to Apply

Any minimum opening deposit amount
Social Security Number (SSN)
Driver's License or State Issued Identification
Date of birth, physical street address
Email address (optional)
The routing number of your other bank, if you will be opening your account by transferring funds from another bank

Grow Your Savings

Link your checking account to a savings account and transfer extra funds as much as possible.

Your Monthly Budget

Use our monthly spending calculator to map your spending and help you set monthly goals.

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. Not available for iPad and Android devices.

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.