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Signature Checking

Limited Time $150 Offer

Open a Signature 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


Signature Checking Benefits

In addition to all the benefits of Easy Checking, enjoy:

  • Bonus interest rates on a linked Choice Money Market Savings account4
  • Bonus interest rates on select CDs5
  • A second Signature Checking account with no monthly service charge6
  • A Gold Line7 account with no annual fee and lower rates
  • No charge from Bank of the West for using another bank's ATM
  • Rebates of fees charged by other banks for using their ATMs8
  • No fee for cashier's checks, money orders, stop payments, incoming wires and overdraft protection transfers from a linked savings account or money market account
  • No charge for Signature checks or 25% discount on other styles (one box per order)
  • Free small safe deposit box or $40 off larger sizes9

Fees and Rates

The monthly service charge is $30. To waive it, each statement cycle:

  • Maintain an average monthly balance of $15,000 or more OR
  • Maintain a combined average monthly balance of $25,000 or more in linked savings and money market accounts, CDs and/or IRAs10
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 Signature Checking account opened at a branch or account application submitted on bankofthewest.com 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 Signature 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 Signature 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 Signature Checking account by 06/30/16.
  • Bank will classify the bonus as interest paid to the Signature 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 Signature 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.

Account must be in open status and have a positive balance as of 05/31/16 to be eligible to receive any bonus.

4A Premier Relationship Premium is a bonus interest rate on one (1) qualifying Choice Money Market Saving account for selected balance tiers. The standard interest rate plus the Premier Relationship Premium Interest Rate equals the Premier Relationship Interest Rate. The Premier Relationship Premium Interest Rates are set at the Bank's discretion and are subject to change without notice. Only one (1) Choice Money Market Savings account can be linked to a Signature Checking account for the purposes of obtaining the Premier Relationship Interest Rate. If you have a second Signature Checking account, it does not provide a Premier Relationship Interest Rate to any Choice Money Market Savings or Relationship CD associated with it. There may not be a Premier Relationship Premium associated with every balance tier.

To automatically qualify for a Premier Relationship Premium Interest Rate, you must have an open Bank of the West Signature Checking account and a Choice Money Market Savings account with the same ownership. The Premier Relationship Interest Rate will be earned on your Choice Money Market Savings account.

5To qualify for the bonus CD interest rate, you must have a Signature Checking account. These bonus CD interest rates are available on select CD products only and are subject to change or discontinuance at account renewal. If you do not have an open Signature Checking account when the CD renews, you will receive the standard rate for the new term.

6If you have an open, active Signature Checking account, you are eligible for a second Signature Checking account with no monthly service charge. The ownership on both accounts must be identical. The second Signature Checking does not provide a special pricing benefit to a Choice Money Market Savings account.

7The Gold Line Account can be linked to your Signature Checking account as overdraft protection for occasional or unplanned overdrafts. Gold Line transfers are determined by your credit limit and credit is subject to approval. It will not advance funds to cover fees or charges assessed by the Bank. This may result in an overdraft on your checking account. Loan transfer fees and other restrictions may apply.

8Bank of the West will rebate up to $15 in surcharge fees that owners and operators of non-Bank of the West ATMs may charge for use of their ATMs each statement cycle on ATM transactions made on your Signature Checking account.

9One-time setup fee of $20 for safe deposit box waived. Safe deposit box offer is subject to availability.

10Personal checking, money market, savings, CD and/or IRA accounts can be automatically linked to only one Signature Checking account. Primary account owner on Signature Checking must also be an owner on any linked accounts for the combined balance waiver. Additional Signature Checking accounts must meet standalone balance requirement for the monthly service charge to be waived, unless it is a secondary Signature Checking account linked to a primary Signature Checking account.

*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.