Student Checking

Our Student Checking account gives you great benefits and an easy way to waive the monthly service fee. Plus, you only need $20 to open an account.

Student Checking Benefits

  • 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 market1 or Gold Line2 from a linked line of credit)
  • Mobile Banking3
  • Discounts on consumer loan rates with automatic payments4
  • Unlimited check-writing
  • No fee for standard (3-business day) Popmoney transfers – send electronic payments to anyone, no matter where your recipient banks
  • Deposits FDIC insured up to the maximum established by the FDIC per depositor and ownership type

The optional Student Perks Bundle, available for just $5 per month, also includes:

  • Rebates of up to $6 per statement cycle on fees for cash withdrawals from other banks' ATMs
  • No Bank of the West charges on two transactions per statement cycle at other banks' ATMs
  • Bank of the West Rewards points with every qualifying Bank of the West Debit Card purchase
  • Graduation Bonus: Present your college diploma and 50% of the Student Perks Bundle fees you paid over the life of your account will be deposited in a Bank of the West savings account5

Monthly Service Charge

The monthly service charge is $10. There is an additional $3 fee for paper statements, which you can avoid by signing up for Online Statements and electing to have paperless electronic statements.

How to Waive the Monthly Service Charge

You must be between 18 and 24-years old and present a valid student ID every 12 months. On your 25th birthday, your account automatically converts to an Easy Checking account.6

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1Savings Overdraft Protection transfers up to the available balance in your linked savings or money market. Certain fees and restrictions may apply.

2Gold 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.

3Wireless carriers may charge fees for text transmissions or data usage.

4Credit subject to approval.

5To receive the graduation bonus, you must have or open a Bank of the West savings or money market account.

6If you do not provide a valid student ID at account opening, the monthly service charge will be waived for the first statement cycle only. To avoid further monthly service charges you must present a valid student ID before the end of the second statement cycle.

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