Get Help With Your Credit Cards

For any questions about your existing credit card, call the number on the back of your card. If your card has been lost or stolen, call 1-800-996-2638. If you're outside the U.S., call 1-808-842-3100.

There are no annual fees with any of our Platinum or Platinum Rewards credit card options. The annual fee on our World Credit Card product is waived as long as you are a Premier Checking customer. The Secured Card has an annual fee of $25.

We offer a variety of credit cards with different rates and benefits. This includes a Platinum Rewards MasterCard^® Credit Card with an added rewards benefit. Visit our credit cards page for more information.

Call 1-866-269-2327 to learn more and apply, or you can also apply online for all cards except the Secured Card. For instructions on applying for the Secured Card, visit the Secured Card page.

Applying for an account online can be done in just a few easy steps that take a total of about 15 minutes. The account application process is easy, convenient, and secure.

Bank of the West offers helpful information online for managing your credit debt both in the short-term and long-term. Read our credit debt article to get strategies and tips for reducing and eventually eliminating your debt.

1. Visit www.bankofthewest.com.
2. Enter your username and password and click Sign In.
3. You'll see your credit card listed under Banking Overview. Click the credit card name (for example, “MASTERCARD STANDARD”) to view your latest credit transactions.

If you are an Online Banking customer and you've forgotten your Username, contact us at the numbers below. If you've forgotten your Password, visit the Password Reset page.

If you need more assistance, call Online Banking Customer Support at 1-800-488-2265, option 3.

1. Visit www.bankofthewest.com.
2. Enter your username and password and click Sign In.
3. You'll see your credit card listed under Banking Overview. Click the Pay Now link.

Or, Make an Online Payment, one-time, without signing in.

1. Visit www.bankofthewest.com.
2. Enter your username and password and click Sign In.
3. Click the Alerts tab at the top and follow the instructions to set up alerts.

There's no Bank of the West fee to use these alerts. For text alerts, your mobile carrier's text message and data usage fees and rates may apply.

To report your lost or stolen credit card, call 1-800-996-2638 immediately. If you're outside the U.S., call 1-808-842-3100.

To report unauthorized or incorrect electronic funds transfers (including ATM or debit card transactions as well as other electronic deposits, withdrawals or transfers), or to report a debit card lost or stolen, call 1-800-488-2265.

Bank of the West offers helpful information online for keeping your credit card safe and secure. Read our credit fraud article to learn about different ways you can protect your credit.

When you're using your credit card number to shop online, it's important to be careful and protect your personal and credit information. Read our article about online shopping security for more information.

Before you leave on your trip, call or visit your local Bank of the West branch and let them know where and when you're going. It's also a good idea to contact card services at 1-800-996-2638.

We monitor your debit and credit activity, and may place holds on your cards if we suspect fraudulent activity. Notifying us in advance of international travel helps us to better determine if activity on your account is suspicious or not.

You don’t need a PIN for your credit card when making transactions at merchant locations. However, there may be times when a PIN is required at an unattended terminal, such as certain parking lots or ticket dispensers. Terminals that require PINs are more commonly located overseas. If you’ll be traveling outside the U.S., you can request a PIN by calling the number on the back of your card.

A chip card is a fully functional credit, debit or ATM card that uses a microchip to help prevent counterfeit fraud during purchases or cash withdrawals.

For most credit cardholders, your card number won’t change when you get a credit chip card. However, if you have multiple cards, some card numbers will change. Also, all cardholders will receive a new expiration date and three-digit security code. Most credit cardholders will also receive a new PIN.

Unless you report your card lost or stolen, the card number and PIN shouldn’t change when you’re issued a debit/ATM chip card. The expiration date and three-digit security code on the back of the card will change.

The card’s microchip provides enhanced security when used at chip-enabled terminals. Microchips are also many times more difficult to reproduce illegally (compared to a traditional magnetic strip).

Yes. Update any and all changes to your card number, expiration date and security code to avoid any interruption in service.