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Build and manage your budget
We’ve created a five-step program to help everyone create a budget they can stick to. Use the following information and tools to help map out your short- and long-term financial goals.
Step 1: Set goalsTake time to think about and visualize your financial dreams and objectives. Next, set specific goals so you can create the right budget for you.
Step 2: Get organizedOrganizing your finances is an important part of any successful budget. Keeping a daily spending diary can help you take control of your day-to-day spending. Our Bill Pay service also lets you pay your bills conveniently from one location and access your payment history, helping you keep your finances in order.
Step 3: Build a budget
Keeping a budget that helps you track your income and expenses is easier than you think. Setting up email and mobile alerts to notify you when you reach your budget limit is a simple way to help you monitor your spending and track your progress.
Use these calculators to help you create your budget:
Step 4: Cut spending
Consider your needs versus your wants. Cutting back on purchases you do not really need can help you find money to save for your financial goals. Use the Account Activity page within Online Banking to track your spending and categorize your purchases to help you see where you can cut spending.
Learn more with this helpful calculator:
Step 5: Save money
Building up your savings is a great way to prepare for the unexpected and manage debt. Start small by applying for a Bank of the West Classic Savings Account. You can use our Auto-Save program to help grow your savings by putting a portion of your paycheck into your Savings account every week or every month. Enroll in Auto-Save by signing in to Online Banking, clicking the Services tab, and selecting Set Up Direct Deposit. If you find that there are excess funds in your checking account each month, take another look at your budget to see whether you can increase your automatic savings amount.
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Tell us where you live
Choose your state of legal residence. We can then give you information about the products and services available in your area.
Note: Bank of the West has branches only in the states listed in the drop-down. At this time, we only open accounts for individuals and businesses in these states.