Signature Checking

Our Signature Checking account gives you preferred customer status, rewarding you with premium interest rates on select linked savings accounts, waived fees and a host of special privileges.

Signature Checking Benefits

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

  • Bonus interest rates on a linked Choice Money Market Savings account1
  • Bonus interest rates on select CDs2
  • A second Signature Checking account with no monthly service charge3
  • A Gold Line4 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 ATMs5
  • 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 sizes6

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 IRAs7
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1A 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.

2To 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.

3If 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.

4The 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.

5Bank 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.

6One-time setup fee of $20 for safe deposit box waived. Safe deposit box offer is subject to availability.

7Personal 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.