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Compare Savings and Money Market Savings Accounts

Our savings and money market accounts are designed to help you reach your financial goals. Whether you’re saving short- or long-term, we have an account tailored to your needs.

Classic Savings Choice Money Market Savings
Classic SavingsChoice Money Market Savings
You're looking for… An interest-earning account you can open easily with a low minimum deposit An account with higher interest rates and more customer benefits when you also open a Signature Checking or Bank of the West Premier Checking account1, 2
Minimum Opening Deposit $25 $100
Interest Compounds daily and paid monthly Compounds daily and paid monthly
Annual Percentage Yield (APY)
Monthly Service Charge $5 $15
Ways to Waive the Monthly Service Charge

Meet at least one of the following each statement cycle:

  • Maintain an average monthly balance of at least $300 ($50 in Minnesota)

    OR
  • Use Auto-Save to set up recurring monthly transfers of $25 or more from any Bank of the West personal checking account to your Classic Savings account3

    OR
  • Primary account holder is 18-years old or younger
Meet at least one of the following each statement cycle:

  • Maintain an average monthly balance of at least $5,000

    OR
  • Use Auto-Save to set up a recurring monthly transfer of $75 or more from any Bank of the West personal checking account to your Choice Money Market Savings account3

1A Relationship Premium or a Premier Relationship Premium (available to Signature Checking or Bank of the West Premier Checking customers) is a bonus interest rate on qualifying Choice Money Market Savings accounts for selected balance tiers. The standard interest rate plus the Relationship Premium interest rate equals the Relationship Interest Rate; the standard interest rate plus the Premier Relationship Premium interest rate equals the Premier Relationship Interest Rate. The Relationship Premium and Premier Relationship Premium interest rates are set at the Bank’s discretion and are subject to change without notice. Only one Choice Money Market Savings account can be linked to a checking account. There may not be a Relationship Premium or Premier Relationship Premium associated with every balance tier.

2To automatically qualify for a Relationship Interest Rate, you must have an open Bank of the West consumer checking account and a Choice Money Market Savings account with the same ownership; to automatically qualify for a Premier Relationship Interest Rate, you must have an open Signature Checking account or Bank of the West Premier Checking account and a Choice Money Market Savings account with the same ownership. The Relationship Interest Rate or Premier Relationship Interest Rate will be earned on your Choice Money Market Savings account, and is calculated as follows: On the last day of your statement cycle, your Choice Money Market Savings account’s end-of-day collected balance tier will be determined. If the Bank is paying a Relationship or Premier Relationship Premium for that balance tier, that Premium will be added to the standard interest rate for the balance tier into which your daily end-of-day balance falls each day during the next full statement cycle. The Relationship or Premier Relationship Premium will be applied beginning the first business day of the statement cycle. Once set, the Relationship or Premier Relationship Premium will not change during that statement cycle. The standard interest rate can change as frequently as daily. The Relationship Interest Rate or Premier Relationship Interest Rate is compounded daily and paid to your Choice Money Market Savings account on the last day of the statement cycle. If you do not qualify for a Relationship or Premier Relationship Premium as of the last day of any statement cycle, your account will earn only the standard interest rate during the next full statement cycle.

3If there are not sufficient funds in your checking account to complete a scheduled Auto-Save transfer to your savings or money market account, no transfer will occur, even if you have available overdraft protection through Savings Overdraft Protection and/or Gold Line. This means that if your savings or money market account monthly service charge would have been waived as a result of an eligible Auto-Save or recurring transfer from your checking account, you may incur a monthly service charge for that statement cycle.

*Rates may change at any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account. Additional restrictions may apply. This account earns interest at a variable rate. Rates differ based on balance and checking relationship. Rates may change any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account. Additional restrictions may apply.

Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer, Member of FINRA and SIPC, and an SEC-registered investment adviser. Financial Advisors are Registered Representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Insurance Agency in California, (License #0C52321), through BancWest Insurance Agency in Utah and through BancWest Investment Services, Inc. in AZ, CO, IA, ID, KS, MN, MO, ND, NE, NM, NV, OK, OR, SD, WA, WI, WY, HI, Guam and CNMI. Bank of the West and its various affiliates and subsidiaries are not tax or legal advisors.

BancWest Investment Services is a wholly owned subsidiary of Bank of the West and a part of the Wealth Management Group. BancWest Corporation is the holding company for Bank of the West. BancWest Corporation is a wholly owned subsidiary of BNP Paribas. Bank of the West Wealth Management offers products and services through Bank of the West and its various affiliates and subsidiaries.

Investment and Insurance products:


NOT FDIC INSURED NOT BANK GUARANTEED MAY LOSE VALUE NOT A DEPOSIT NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

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