55 Plus Checking

Our 55 Plus Checking account comes with all the basics, plus great perks like no monthly service charge, your first box of checks free and other valuable benefits.1

55 Plus Checking Benefits

  • No charge for your first order of one box of standard Bank of the West checks
  • 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 market2 or Gold Line3 from a linked line of credit)
  • Mobile Banking4
  • Discounts on consumer loan rates with automatic payments5
  • Unlimited check-writing (subject to available funds in your account)
  • Deposits FDIC insured up to the maximum established by the FDIC per depositor and ownership type


There is a monthly service charge of $10 if the primary owner is not at least 55 years of age. This service charge is waived if the primary account owner is age 55 and up.

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1The primary owner on the account must be age 55 or older.

2Savings Overdraft Protection transfers up to the available balance in your linked savings or money market. Certain fees and restrictions may apply.

3Gold 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.

4Wireless carriers may charge fees for text transmissions or data usage.

5Subject to credit approval.