Easy Checking

Our Easy Checking account is a smart choice for everyday use. Enjoy award-winning customer service, plus easy ways to waive the monthly service charge.

Easy Checking Benefits

  • Online Banking with Bill Pay
  • Bank of the West Debit Card
  • Overdraft Programs for occasional or unplanned overdrafts (Savings Overdraft Protection from a linked savings, money market1 or Gold Line2 from a linked line of credit)
  • Mobile Banking3
  • Unlimited access to Bank of the West ATMs
  • Discounts on consumer loan rates with automatic payments4
  • Unlimited check writing
  • Deposits FDIC insured up to the maximum established by the FDIC per depositor and ownership type

Monthly Service Charge

How to Waive the Monthly Service Charge

Each statement cycle:

  • Maintain an average monthly balance of $1,000 or more OR
  • Receive at least one direct deposit of $250 or more OR
  • Use your Bank of the West Debit Card for 10 or more net purchases5
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1Savings Overdraft Protection transfers up to the available balance in your linked savings or money market. Certain fees and restrictions may apply.

2Gold 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.

3Wireless carriers may charge fees for text transmissions or data usage.

4Subject to credit approval.

5Make a minimum of 10 net debit card purchases per statement cycle from the Easy Checking account. Net purchases equal total purchases minus returns/credits. ATM and Cash Advance transactions are not included.