Choice Interest Checking

Limited Time $150 Offer

Open a Choice Interest Checking account by March 4, 2016, enroll in direct deposit, and we’ll give you $100.2 Also, if you make 10 debit card purchases in each of the first two months after the month you fund your account, we’ll give you another $50.3

Choice Interest Checking Benefits

  • Higher interest on higher balances
  • Online Banking with Bill Pay
  • Bank of the West Debit Card
  • Unlimited access to Bank of the West ATMs
  • 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)
  • Mobile Banking6
  • Discounts on consumer loan rates with automatic payments7
  • Unlimited check-writing
  • Deposits FDIC insured up to the maximum established by the FDIC per depositor and ownership type

Fees and Rates

The monthly service charge is $10. To waive it, each statement cycle:

  • Maintain an average monthly balance of $2,500 or more OR
  • Maintain a combined average monthly balance of $5,000 or more in linked savings and money market accounts, CDs and/or IRAs8
You can get $300 plus no ATM withdrawal fees with Premier Checking.

Open a new account by 3/4/16.

See details >

1Requirements to Receive the $150  Bonus:
Offer only valid for a new Choice Interest Checking account opened at a branch or account application submitted on between 01/23/16 and 03/04/16 with a minimum opening deposit of $100 or more with funds new to Bank of the West (Bank) received and posted to the account no later than 03/11/16.

2To receive the $100 bonus, customer must have a direct deposit of at least $250 (two or more direct deposits that add up to $250 do not qualify) posted to the Choice Interest Checking account by 05/31/16. Direct deposit must be payroll, Social Security, pension or other government benefits.

3To receive the $50 bonus, customer must request, receive and use a new Bank of the West Debit Card linked to the new Choice Interest Checking account for 10 or more debit card purchases all of which must post to the account by the last business day of the month for each of the first two full calendar months immediately following the month in which the opening deposit posts to the account, for a total of 20 or more transactions. Each purchase must be $3 or more. ATM transactions are excluded. All required purchases must be posted by 05/31/16.

  • Bonus will be credited to the open Choice Interest Checking account by 06/30/16.
  • Bank will classify the bonus as interest paid to the Choice Interest Checking account. Any applicable taxes associated with this offer are the responsibility of the account holder. To the extent required by law, Bank will report total value of the offer to the IRS on Form 1099 for tax year 2016. All accounts are subject to the Bank’s standard terms and conditions and Schedule of Fees and Charges. An early closure fee of $25 will apply if an account is closed within 91 days of the account opening date.

Restrictions to Earn Choice Interest Checking Bonus:

  • Offer does not apply to Student or Premier Checking.
  • Offer does not apply to second or multiple checking accounts.

Offer is not available to existing Bank of the West customers with an open checking account as of 01/22/16.

Bonus Limitations:

  • If the customer or other individuals residing at the same address received or may receive any other consumer checking bonus from the Bank between 01/01/15 and 06/29/16, then no one at that address is eligible.
  • Limit of one consumer checking bonus per individual and per mailing address.
  • Employees of Bank of the West and its affiliates are not eligible for this offer.
  • Account must be in open status and have a positive balance as of 05/31/16 to be eligible to receive any bonus.

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

5Gold Line transfers determined by your available credit limit and credit are subject to approval. 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.

6Wireless carriers may charge fees for text transmissions or data usage.

7Subject to credit approval.

8Common ownership is required on all linked accounts.

*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.