Find out what a HELOC is, how it works, what to shop for, associated costs, and more in this Important Terms Brochure

You can access your credit by using Online Banking, HELOC checks, visiting a branch, or contacting customer service at 800-727-7500 (TTY: 800-659-5495).

You can make a line of credit payment by using our automated phone system or by signing in to your Online Banking account or mobile app. Sign in to Online Banking, hover over “Payments & Transfers”, and click “Transfer & Payments Between My Bank of the West Accounts” (if you have a Bank of the West Checking or Savings account).

If you want to make a payment from a non-Bank of the West account, sign in to Online Banking, hover over “Payments & Transfers”, click “Transfer & Payments Between My Bank of the West Accounts”, then click “Use an account at another bank to pay your mortgage, loan, or line of credit.”

You can request automatic payments when you apply for a new HELOC. You’ll be able to confirm the automatic payment information on the Disbursement Request and Authorization form you will sign at account opening (if approved). If you have any questions regarding this process, please ask your home finance specialist.

If you have an existing HELOC, you can add or remove automatic payments at any time. You may establish automatic payments from another institution or from Bank of the West. If you choose to establish automatic monthly payments from your Bank of the West personal checking or savings account, you will receive a discount off your rate. Discounts may be reversed and your rate payments may increase if automatic payments are discontinued for any reason. If you have additional questions of would like to establish automatic monthly payments, please call us at 800-827-7500 (TTY: 800-659-5495).

A 3rd party may request a written payoff demand statement by completing the HELOC Payoff Demand Request form and faxing to 402-918-6940. You may request a payoff amount by calling 800-827-7500 (TTY:800-659-5495) and select “home equity line of credit payoff” to speak with one of our team members. We may temporarily suspend access to your credit line while a payoff statement is outstanding to ensure the quote remains accurate. To obtain a payoff quote for a fixed home equity loan, please call 888-915-2327 (TTY: 800-659-5495).

Our subordination request form and requirements (PDF) outlines what is required for a first mortgage lender to submit a request. Once the first mortgage lender’s complete subordination package and payment to process the subordination request have been received, our subordination team will work with the first mortgage lender to make the process as quick and transparent as possible. We will not begin processing until all information is received from the first mortgage lender. Once received, please allow 30 business days for us to process the request. Unfortunately, we are unable to expedite any requests. All requests are processed in the order in which the complete subordination package is received. We may charge a fee to approve and process a subordination request.

The release will be sent to the county in which the property is located for recording within your state’s time requirements. Typically, this will occur around 30 days after payoff, but is longer or shorter in some states.