Get help with your accounts

Our Guide to Moving Your Accounts walks you through the step by step process to move your direct debits, bill payees, personal information to Bank of the West and then what you need to do to close your accounts elsewhere.

You can compare interest rates on our CD accounts page. You can open a CD in a branch. We offer a variety of flexible terms, from seven days to five years. 

We offer multiple options for fixed and variable-rate IRAs. Visit our IRA comparison page to see all the benefits of a Bank of the West IRA.

Sign in to Online Banking, and visit the Account Alerts section.

No.

There are no fees to use Zelle through Bank of the West Online Banking or the Mobile App. At times, Zelle may send you notifications via text message if you have registered your U.S. mobile phone. Your wireless provider may charge you per text message, so check your wireless plan before using the service.

Sign in to Online Banking and select the Bill Pay tab. Next, select Manage My Bills. On the next screen, select the desired biller from the Biller Name dropdown and choose to add an automatic payment.

The minimum opening deposit can vary depending on the type of CD. View our Compare CDs page for more details.

You can view current interest rates on our Compare CDs page. We offer three CDs with a variety of flexible terms, from 32 days to 5 years. To open a CD, visit a Bank of the West branch.

Penalties may apply to withdrawals made at any other time than during the grace period. Early withdrawal penalty fees could reduce earnings on the account.

When your CD matures, you can withdraw all or part of the money, have it automatically renew for the same CD term at the interest rate that is being offered at maturity, or roll it over into a new CD term at the interest rate that is being offered at maturity.

We offer three options for fixed and variable-rate IRA CDs. Visit our Compare IRAs page to see the features of each, interest rates, and minimum opening deposit amounts.

As of 2017, you can contribute up to $5,500 for 2017. Once you reach age 50, contribution limits on IRAs increase by $1,000, allowing you to "catch up" and contribute up to $6,500 annually.

You can view current interest rates on our Compare IRAs page. We offer three IRA CDs with a variety of flexible terms, from 91 days to 5 years. To open an IRA CD, visit a Bank of the West branch.

Yes. You can open a personal savings account online, with up to two applicants per account. To complete the online application, you’ll need to have your Social Security number(s); your U.S. issued photo ID(s) (Driver's license or State ID); the ABA routing and account numbers of your existing accounts, (if you're funding this new account electronically), or your credit or debit card information (if you're funding your new account via a card).

Yes. Classic Savings is $5 and Choice Money Market Savings is $15. But, the monthly service charge can be waived in a few ways. If the account holder is 18 years or younger (Classic Savings account only); you maintain a minimum average monthly balance (based on the account type you choose), or you use Auto-Save to set up recurring monthly transfers from your Bank of the West personal checking account to your Classic Savings or Choice Money Market Savings account (minimum transfer amount varies based on the account type you choose).

You begin earning interest on the day the account application is processed, not the day the application is submitted. The application will be processed at the interest rate that was effective on the day that the application was submitted.

Interest is compounded daily and paid monthly.

You can open either Any Deposit Checking or Premier Checking with any amount.

Yes. You can open a personal checking account online, with a maximum of two applicants per account. To complete the online application, you’ll need to have your Social Security number(s); your U.S. issued photo ID(s) (Driver's license or State ID); the ABA routing and account numbers of your existing accounts, (if you're funding this new account electronically), or your credit or debit card information (if you're funding your new account via a card).

Look at the bottom left corner of your checks. The first nine-digit number on the left is the ABA routing number or bank routing number. Just to the right of the routing number is your account number.

For checking accounts, the routing number is 121100782.The nine-digit routing number can be found on the bottom left corner of your checks. For all other accounts, contact your branch for help.

You can order checks by calling or visiting your local branch. If you have ordered checks within the past 24 months, and have your check reorder form (see your second to last booklet of checks) and the start number for your next sequence of checks (on your reorder form), you can reorder checks online.

The cost varies by type of account, quantity, and style of checks. Call or visit your local branch for help.

Yes, we offer two options:

• Gold Line² - Use a line of credit that transfers funds to cover overdrafts.
• Savings Overdraft Protection³ Transfer funds from your savings to your checking.

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

There are no annual fees with either of our Platinum or Platinum Rewards Mastercard® Cards. The annual fee for our World Mastercard® Card is waived as long as you're a Premier Checking customer. The Secured Card has an annual fee of $25.

Call 1-866-269-2327 to learn more and apply. You can also apply online for all credit cards, except the Secured Card MasterCard®. For instructions on applying for this card, visit the Secured MasterCard page.

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

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

Simple interest is a method of allocating monthly loan payments between interest and principal. The amount of your payment allocated to interest is calculated based on your unpaid principal balance, the interest rate on your loan, and the number of days since your last payment. Example: If we receive a payment and it has been 30 days since your last payment, then you will be charged 30 days of interest on the unpaid principal balance of your loan. The remainder of your payment is credited to principal and reduces the unpaid principal balance on your loan.

The amount of interest paid each month changes because the daily interest amount decreases as the principal balance decreases. At the beginning of the loan, the principal balance is higher, and as a result, the daily interest amount is higher. As you start paying down your principal balance, the amount of interest you pay each month decreases. Additionally, interest accrues daily and the number of days between payments makes a difference. More days between payments results in more days of interest charges and fewer days between payments results in fewer days of interest charges. When receiving payments, accrued interest is satisfied first, then any leftover funds apply to the principle balance.

With a simple interest loan, there is a daily interest charge and you will pay interest on the number of days between your payments. Example: If the daily interest charge is $2.50, and it has been 30 days since your last payment was made, the interest due will be $75.00 ($2.50 x 30 days). Let’s use the same daily interest charge, but now say it has been 40 days since your last payment was made, the interest due will be $100.00 ($2.50 x 40 days). If you defer a monthly payment, this will extend the term of your loan, and the interest will continue to accrue until the next payment is made. The outstanding loan balance will continue to accrue interest until the loan is paid off. The total interest paid over the term of your loan may be different from what is shown on your loan agreement. If you pay your loan early, the amount of interest will be less, and if you pay your loan late, the amount of interest will be more. When receiving payments, accrued interest is satisfied first, then any leftover funds apply to the principle balance.

To make a payment by phone, call 1-800-827-7500 (TTY 800-659-5495). Automated payment is available 24 hours a day, 7 days a week. To reach a representative, call Monday – Thursday, 8 am - 7 pm, Friday 8am-8pm or Saturday, from 8 am - 3pm, Central Time.

To set up automatic payments, sign in to Online Banking, select your auto loan from Account Summary, and then select Enroll in Auto Pay. You'll decide which savings or checking account you would like the money to come from each month, and there is no charge for enrollment. Easily change or cancel the automatic payments online.

Include the payment coupon from your statement and write the account number on the check or money order. Do not send cash. Send checks or money orders to the following address: Bank of the West, PO BOX 4024, Alameda, CA 94501.

A lien release is a document sent by Bank of the West after the loan has been paid off. The lien release states that Bank of the West is releasing rights to the vehicle. In states where the customer holds the title, a lien release will be mailed out after the loan is paid off. Each state processes titles differently, and you should contact your local DMV to learn more about the title process in your state. To remove Bank of the West from the title, take the title and lien release to your local DMV or titling agency. For additional information, contact your local DMV or titling agency or call us for any questions.

An electronic title, also called an Electronic Lien and Title (ELT), is a title that exists only in electronic form in the DMV database. To find out if you have an electronic title, contact your local DMV/titling agency or call us. When you pay off your loan, we will notify the DMV to release the lien, and the DMV will then update their database. Your state may mail your title to you or they may require you to request the title in person or online. It may take 30 days or longer for your DMV to send you your title, and they may charge a processing fee. Each state processes titles differently, and you should contact your local DMV to learn more about the title process in your state.

Sign into your Online Banking account to update your contact information or call us. Please note this doesn't update your address with the DMV. If the DMV does not have your current address, it could cause delays with your registration renewal or prevent you from receiving your title upon loan payoff. Contact your local DMV to verify the state's title and registration requirements. If the DMV requires the original paper title in order to update the title and registration, please have the DMV request sent to us by mail or fax. We require the request for title to be on the DMV letterhead. 

Caollateral address and fax number:
Bank of the West
PO BOX 2497
Omaha, NE 68103
Fax: 402-918-6055