INTERNATIONAL RESIDENTS CAN FEEL RIGHT AT HOME IN THE WEST

Bank of the West is your local bank with global connections

Have you recently moved to the United States? Welcome! Our international services have been carefully designed to help you get off to a great start and help you get settled.

In addition to our traditional banking products, we offer
products and solutions specifically designed for international residents.

Checking accounts


Open a checking account with a minimum opening deposit of as little as $0.01.No Social Security number, Visa or U.S. address is required to open the account1.


Credit cards2,3

Getting a credit card and building your credit history can be challenging. As a Bank of the West client we’re here to help—with a Bank of the West credit card3 for our International Clients.


  • No annual fee4
  • No US credit history required3
  • Unsecured credit line up to $15,000 (up to $25,000 for Wealth Management Clients)
  • Compatible with Apple® and Android Pay™

Auto loans2,6

Financing a car without an established credit history can be challenging. We're here to help you get behind the wheel.


  • No U.S credit history required5,6
  • Borrow $7,500 - $150,000, for up to 90% of the vehicle’s value (based on your relationship with the bank)7
  • Enjoy competitive interest rates even with no U.S. credit history, and various terms available
  • Use toward purchasing a new or used car, truck or SUV from a dealership of your choice
  • No prepayment penalty if you refinance or pay off your loan early

Home mortgages2,8

You'll be working with a dedicated professional who understands the unique challenges and opportunities of living and working in the U.S.


  • No U.S. credit history required to apply
  • Receive a .125% interest rate reduction when you sign up for automatic payments8
  • Choose between a fixed rate and a variable rate option
  • Enjoy competitive interest rates even with no U.S. credit history
  • No prepayment penalty if you refinance or pay off your loan early

Let's Get Started


International Banking Group professionals available to assist you – nationwide. Prior to your arrival in the U.S., we can schedule a phone/Skype call to answer your questions about the U.S. banking system. For questions about our products or to schedule a meeting click here and someone from our team will be in contact.

We are also here to assist Relocation and Global Mobility professionals and their clients.

Our International Banking Group has experience working with DSCs, RMCs, Global Mobility departments and their clients.

We understand that flexibility and consistency are important to you and we want to make sure that you receive dedicated support and services from our team.

We would love to hear from you.

Interested in learning how Bank of the West can help your international clients?

Contact Us

Legal information and Disclosures

1 Acceptable identification must be presented (e.g., foreign passport, alien registration card). Checking account must be opened at a Bank of the West branch.

2 Acceptable identification must also be presented (e.g., foreign passport, alien registration card). Must open an account at a Bank of the West branch.

3 Credit cards subject to credit approval. Certain fees and restrictions may apply. The Work visa must have 1 year remaining. One of the following Visa types must be presented at the time of application: A-1, A-2, E-1, E-2, E-3, E-11, EB -1, EB-5, H-1B, H-3, I, J-1, J-2, K-1, L-1, L-1A, L-1B, L-2, O-1, O-2, O-3, P-1, P-2, P-3, P-4, PERM, R-1, TN, V-1, V-2, V-3. Applicants who are also Green Card holders may apply. Green Card holders that qualify for this program include: IR1, CR1, IB1, CF1, IF1, E11, E12, E13, E21, E14, E22, EX1, EX31, E32, EX2, E34. Proof of Green Card status will need to be presented. Applicants must have a valid residential address in the U.S. in order to qualify.

4 The introductory 0% Annual Percentage Rate (APR) applies to purchase transactions only for the first 6 months. After that, the variable APR will be 16.99% to 24.99% for Platinum and 17.99% to 24.99% for Cash Back World Mastercard, based on your credit worthiness. For Wealth Management World Elite Mastercard, the purchase APR will be 9.15%. These APRs will vary with the market based on the Prime Rate and are accurate as of 9/27/2018, at the time this flyer was published. There is no annual fee for Platinum or Cash Back World Mastercard. The annual fee is $295 for Wealth Management Elite Mastercard unless certain conditions are met. For the most current credit card pricing information, see the Pricing and Terms provided with your credit card application.

5 Contact your International Banking specialist for more information about eligible Visas.

6 Subject to credit approval. Terms, conditions, restrictions and limitations may apply.

7 The value of the financed vehicle is: Total Purchase Price (including tax, license and fees) as documented on the Purchase Agreement. Any Add On (warranty, rust protection, etc.) are the responsibility of the borrower and cannot be financed. Borrow up to $75,000 and 85% of the total value of the car for retail clients. Borrow up to $150,000 and 90% of the total value of the car for Bank of the West Wealth Management Clients with verified assets under management amounts. Subject to credit approval.Terms, conditions, restrictions and limitations may apply.

8 All loans subject to credit approval, standard mortgages qualifications and underwriting requirements. Additional fees, conditions and restrictions may apply. Automatic payments discount of 0.125% off the standard rate requires applicants to establish automatic mortgage payments from their new or existing Bank of the West personal checking or savings account. For adjustable rate mortgages, the discount is applicable only during the initial fixed-rate period. Other restrictions may apply. All terms and conditions applicable to the checking or savings account apply, including fees and minimum opening deposits. Additional benefits for eligible Bank of the West deposit customers, or investment customers of BancWest Investment Services, may be available (ask us for details). Not applicable to Home Equity Lines of Credit.