An interest-bearing checking account with added benefits.

Premier Checking1 – your invitation to a superior banking relationship

Showing information for California

With no withdrawal fees at any bank ATM worldwide2, better interest rates, and loan discounts, you’ll enjoy a higher level of service.

Exclusive discounts and bonuses

  • Waive the $25 monthly service charge with $25,000 combined average monthly balance3
  • Save on select consumer loans with interest rate discounts4.
  • Earn bonus rates on CDs and Money Market accounts
  • Enjoy unlimited $0 online equity and ETF trades in your BancWest Investment Services** brokerage account.5
  • Pay no ATM withdrawal fees at any ATM in the world2

Open a Premier Checking account today and start enjoying superior banking and investment services offered through BancWest Investment Services**.

Personalized services just for Premier clients

  • Cash Back World Mastercard® credit card with up to 3% Cash Back6
  • Premier Mastercard® debit card with no ATM withdrawal fees at any bank, worldwide2, higher transaction dollar limits, secure chip technology, and fraud protection.
  • Overdraft protection options from a linked savings7, money market or Gold Line8
  • Annual financial check-up for your mortgages, retirement and investment accounts
  • Award-winning customer service in-branch, online or by phone via the Premier Dedicated Customer Service line

Experience cutting-edge mobile technology. Connect to your banking and investment accounts from virtually anywhere9.

  • Make Transfers
  • Mobile Payments
  • Mobile Deposits
  • Mobile Alerts

Manage your financial life with BancWest Investment Services**

You'll have access to investment and retirement products through BancWest Investment Services**, our affiliated broker/dealer. BancWest Investment Services' financial advisors are dedicated to understanding your needs and providing investment options and guidance to help you pursue your financial goals.

Today's Annual Percentage Yield (APY*)

0.01% APY*

On all balances

Annual Percentage Yield (APY) is accurate as of 10/23/2021

View Rates

Premier Checking not the right account for you?

We also offer Any Deposit Checking with no minimum balance requirement and convenient ways to waive monthly service charge. Compare checking account features. Looking for a savings account with premier rates? Open a Choice Money Market Savings account today.

Call our Premier Dedicated Customer Service for assistance with your Premier Checking account.

Mon-Fri 4a.m.-10p.m. PT
Sat, Sun & most holidays 5a.m.-10p.m. PT
TTY 1-800-659-5495

Open a Premier Checking account today. It only takes 10 minutes.

Apply Now

Showing information for California

Legal information and Disclosures

1Those applying online for a Premier Checking account must have a working mobile phone.

2All ATM cash withdrawal fees charged by non-Bank of the West ATMs will be rebated within one (1) business day of the fees posting to your account. Other fees, such as foreign transaction fees, may apply.

3Maintain at least $25,000 combined average monthly balance in this Bank of the West Premier Checking account plus other eligible personal Bank checking, money market, savings, CDs, IRAs, and eligible BancWest Investment Services investment accounts. Identical Ownership: Eligible Accounts with ownership that is identical to that of the Bank of the West Premier Checking will automatically have their account balances combined for the purpose of qualifying for rebate of the monthly service charge. Common Ownership: Any owner of the Bank of the West Premier Checking may elect to Opt In to have account balances in other Eligible Accounts of which he/she is also an owner ("Common Ownership") combined for the purpose of qualifying for rebate of the monthly service charge. By Opting In to Common Ownership, each owner of a joint Bank of the West Premier Checking understands and agrees that a co-owner may be able to discern balances in joint accounts held with other owners. Grantor-trustees of Revocable Trusts may opt in to Common Ownership and balances of such trusts will be included with other individually or jointly held accounts. However, balances of irrevocable trusts may not be combined with personally held assets. Similarly, customers may not include assets over which they have representative or fiduciary control such as when the customer has power of attorney, acts on behalf of an estate, or serves as a guardian, conservator, or custodian. Additionally, fiduciaries opting in to Common Ownership assume responsibility for ensuring that any fiduciary account that may be combined in the Program will not be a violation of fiduciary duty. Each owner may Opt Out of Common Ownership at any time. The date range of the Bank of the West Premier Checking account's statement cycle will be used to calculate the combined average monthly balance in the eligible associated checking, money market, savings, CD, IRA accounts and eligible BWIS investment accounts. For the Bank to determine whether the combined average monthly balance requirement has been met, BWIS will provide balance information for all eligible investment accounts as received from affiliates and third party providers

4Consumer loans, lines of credit and credit card products are subject to credit approval. Terms and conditions apply. Certain fees and restrictions may also apply. Ask your banker for details.

5For self-directed orders placed via the BancWest Investment Services online platform, unlimited $0 commissions apply to order executions for equities and Exchange-Traded Funds (“ETFs”). Unlimited $0 commissions online trades are subject to certain terms and conditions and additional fees. Service charges will apply for trades placed through a broker. For further information contact the BancWest Investment Services customer service center at (888) 808-2947.

6Cash back rewards are based on Net Purchases (qualifying purchases less credit, returns, and adjustments). 1% base Cash Back for every $1 of net purchases. Eligible merchants for the 3% categories (2% additional Cash Back on top of the 1% Base Cash Back) include: (a) groceries (representing grocery stores/supermarkets, freezer/meat provisioner, miscellaneous food stores, bakeries, and candy/nut/confection stores); (b) Dining (representing eating place restaurants, bars, lounges and fast food restaurants); (c) Gas (representing service stations and automated fuel dispensers). After $1,500 is spent on gas purchases each calendar quarter, you go back to earning 1% Base Cash Back. The Bank of the West Cash Back Rewards Program is subject to the current Cash Back Rewards Program Rules.

7Savings Overdraft Protection transfers up to the available balance in your linked savings or money market. Certain fees and restrictions may apply.

8Gold 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

8Availability of Mobile Banking may be affected by your mobile device's coverage area.

*Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account. Additional restrictions may apply. This account earns interest at a variable rate. Rates differ based on balance and checking relationship. 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.

**Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer Member FINRA/SIPC, and SEC Registered Investment Adviser. Financial Advisors are Registered Representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Insurance Agency in California (License #0C52321) and through BancWest Investment Services, Inc. in all other states where it is licensed to do business. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. Bank of the West and its various affiliates and subsidiaries are not tax or legal advisors. Please consult your tax or legal advisor for more information regarding your personal situation.

BancWest Investment Services is a wholly owned subsidiary of Bank of the West. Bank of the West is a wholly owned subsidiary of BNP Paribas.

Investment and Insurance Products: