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BancWest Investment Services
WHAT WE OFFER

The Building Blocks of a Solid Portfolio

At BancWest Investment Services, we offer a wealth of investment choices that can help create a portfolio that lays the foundation for your financial future.

Mutual Funds

Find mutual funds that match your risk tolerance and investment strategy. Choose from our ever-expanding list of mutual funds, including:

  • Stock funds
  • Bond funds1
  • Target date funds2
  • International funds3
  • Balanced funds

Learn more

Equities and Exchange-Traded Funds (ETFs)4

Take advantage of our comprehensive tools and resources to find and trade the stocks, as well as index and sector ETFs, that match your investment objectives.

Options5

Experienced investors may use our robust set of trading tools to make informed decisions about equity and index options.

Retirement Accounts

We have accounts and services that can help you save for your retirement, including Roth6, Traditional and rollover IRAs.

College Planning

There's no better time than the present to start saving for your student’s future. Consider a Coverdell Education Savings account or a state-sponsored 529 College Savings Plan.

Wealth Protection

We understand that building and protecting your net worth is a vital part of your financial life. Our knowledgeable Financial Advisors will work closely with you to develop an investment strategy that meets your needs and takes your complete financial picture into account.

Insurance

A Financial Advisor can help you find the right type and amount of insurance to protect you, your family and your business.

Annuities7

Fixed and variable annuities can help you work towards a more secure financial future. They can provide income when you retire or to your beneficiaries.

1 Bond funds are subject to credit risk, interest rate risk and prepayment risk. Interest rate increases can cause the price of the underlying debt securities to decrease.

2 Investing in target date funds involves some level of risk, regardless of the allocation. Evaluate if such investment is suitable depending on your risk tolerance, current and future financials, and overall account holdings. Not all target date funds are created equal, as two similar funds may have different glide paths. Also, be aware that even though a target date fund discloses its investments and how the investment mix will shift over time, the fund manager can make changes, even if those changes create more risk, regardless of the fluctuating price levels. Investors should consider their ability to continue purchases through periods of varying price levels or changing economic conditions as opposed to low price levels. Such a plan does not assure a profit and does not protect against loss in declining markets.

3 International funds are subject to interest rate, currency exchange rate, economic and political risks, all of which are magnified in emerging markets.

4 ETFs are baskets of securities that may track a sector-specific, country-specific, or a narrow/broad-market index. ETFs trade on an exchange like a stock. ETFs are subject to risk similar to those of their underlying securities, including, but not limited to, market, sector, or industry risks, and short selling and margin account maintenance.

5 Options involve risks and are not suitable for all investors. Prior to buying or selling an option, an investor must receive a copy of Characteristics and Risks of Standardized Options. Options trading is subject to certain conditions, and not all accounts may qualify.

6 Tax-free withdrawals of earnings are permitted five years after the first contribution that created the account. Once the five-year requirement is met, distributions will be free from federal income taxes if taken: (1) after age 59½ (2) on account of disability or death, or (3) to pay up to $10,000 of the expenses of purchasing a first home. Withdrawals that do not meet these qualifications will be subject to ordinary income taxes and a 10% federal tax penalty.

7 Variable annuities are long-term investment vehicles, designed for retirement purposes, in which all interest, dividends and capital gains accumulate tax-deferred. Taxable distributions are subject to ordinary income tax, and if made prior to age 59½ may also be subject to a 10% federal income tax penalty. Early surrender charges may also apply. Withdrawals will reduce the death benefit and cash surrender value. Variable annuities are subject to market fluctuation, investment risk and possible loss of principal. Fixed annuities are investment vehicles that pay a stream of fixed payments over the lifetime of the contract as specified in the contract terms.

A fixed annuity is a long-term, tax-deferred insurance contract designed for retirement. It allows you to create a fixed stream of income through a process called annuitization and also provides a fixed rate of return based on the terms of the contract. Fixed annuities have limitations. If you decide to take your money out early, you may face fees called surrender charges. Plus, if you're not yet 59½ , you may also have to pay an additional 10% tax penalty on top of ordinary income taxes. You should also know that a fixed annuity contains guarantees and protections that are subject to the issuing insurance company's ability to pay for them.

Investors should carefully consider a variable or fixed annuity's risks, charges, limitations, and expenses before investing. The prospectus and, if available, the summary prospectus contain this and other information about the investment product and can be obtained from your Financial Professional. Please read the prospectus carefully before investing.

Bank of the West makes insurance products available through BW Insurance Agency Inc., Fargo, North Dakota.

8 The consultation with a BancWest Investment Services financial professional is complimentary. Please note: The implementation of any recommendations provided during the consultation may result in trade commissions or other fees, charges or expenses. Any recommendations and guidance provided are limited to assets held at BancWest Investment Services.


* Deposit and loan products offered by Bank of the West. Member FDIC. Equal Housing Lender.

** Fifteen (15) $0 commission order executions for equities and Exchange-Traded Funds ("ETFs") per calendar month, per account ($6.95 order executions thereafter), for self-directed orders placed via the BancWest Investment Services online platform, subject to certain terms and conditions and additional fees (please refer to https://www.bankofthewest.com/personal-banking/investments/self-directed-investor.html for further details about self-directed investing available through BancWest Investment Services). If an order placed via the online platform is executed over multiple days, each day's executions for that order will be counted separately and applied against the remaining available $0 commission order executions available that month.

Online Preferred Pricing is only available to individuals with an active Premier Checking account. Individual Online Preferred Pricing eligibility is determined on a daily basis by BancWest Investment Services. Online Preferred Pricing does not apply to business/corporate accounts, investment club accounts, partnership accounts, limited liability accounts or certain fiduciary or custodial accounts. Please contact BancWest Investment Services for additional information.

Premier Checking recognizes your preferred customer status and rewards you with premium interest rates, waived fees and other benefits. Learn more or apply now. A Bank of the West Premier Checking account requires a minimum opening deposit of any amount. The $25 monthly service charge will be waived for your first two (2) statement cycles and may be waived thereafter when you maintain at least $25,000 combined average monthly balance per statement cycle in this Bank of the West Premier Checking account plus other eligible personal Bank checking, money market, savings, CDs, and IRAs, and prior end-of-month account balances in eligible BancWest Investment Services investment accounts. Some accounts and services and the fees that apply to them vary from state to state. Standard deposit account fees apply. Relationship requirements and pricing are subject to change without notice.

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