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

Want to know more about us?

Check out our Award Page.

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.

You are leaving the Bank of the West website.

Please be aware: The website you are about to enter is not operated by Bank of the West. Bank of the West does not endorse the content of this website and makes no warranty as to the accuracy of content or functionality of this website. The privacy and security policies of the site may differ from those practiced by Bank of the West.


To proceed to this website, click OK, or hit Cancel to remain on the Bank of the West website.