55 Plus Checking

Enjoy your first box of checks free, no monthly service charges and other valuable benefits with 55 Plus Checking.4 Plus, for a limited time, get up to $1501 with our checking account offer

Limited Time $150 Offer

Open a 55 Plus 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

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 market5 or Gold Line6 from a linked line of credit)
  • Mobile Banking7
  • Discounts on consumer loan rates with automatic payments8
  • 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 that is waived if any account owner is at least 55 years of age.

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 55 Plus 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 55 Plus 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 55 Plus 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 55 Plus Checking account by 06/30/16.
  • Bank will classify the bonus as interest paid to the 55 Plus 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 55 Plus 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

4At least one owner on the account must be at least 55 years of age.

5Savings Overdraft Protection transfers up to the available balance in your linked savings or money market. Certain fees and restrictions may apply.

6Gold 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.

7Wireless carriers may charge fees for text transmissions or data usage.

8Subject to credit approval.