Secured Mastercard®

The Bank of the West Secured Mastercard® entitles you to the many perks and privileges that come with being a Mastercard cardholder. In addition to worldwide acceptance, you’ll receive a wide range of value-added services.*

How it Works

Make a deposit into an interest-bearing savings account. This amount, along with your income, determines your credit limit. You can pay off and close your account any time, and your deposit is refunded with interest.

Unlike debit cards or prepaid cards, your account activity is sent to three major national credit bureaus: Equifax, Experian, and TransUnion. With a positive payment track record, you can improve your chances of qualifying for loans, better insurance rates, and better housing options.

Rates & Fees

What You Get

  • Use anywhere Mastercard® is accepted worldwide
  • 24/7 access to Online Banking — access your credit accounts online anytime
  • Feel secure with Zero Liability Protection — you won't be held responsible for unauthorized transactions1
  • Price Protection — get a refund whenever an item you buy with your card drops in price within a certain time window2
  • Identity Theft Resolution Services — if you suspect anyone is using your personal information, call our professional customer service team and get fast, efficient help3
  • Chip Card — an embedded microchip makes chip cards extremely difficult to counterfeit

* Credit cards subject to credit approval. Certain fees and restrictions may apply.

Benefits effective as of 1/1/2014.

1For more information about Zero Liability protection, refer to Also, see additional protections contained in your Bank of the West Credit Card Account Agreement regarding Your Liability for Unauthorized Use and Billing Rights under the Fair Credit Billing Act. Limitations apply. Insurance is provided by insurance carriers indicated in your Guide to Benefits. Certain restrictions apply — please see your Guide to Benefits at for details.

2Up to $250 per claim and four claims per 12-month period

3Certain exclusions and limitations may apply. For full terms and conditions, please refer to the Mastercard Guide to Benefits for Credit Card Holders at

Mastercard and the Mastercard Brand Mark are registered trademarks

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