Deposit Account Disclosure for Personal Accounts
Schedule of Fees and Charges for Personal Deposit Accounts
Bank of the West is a trade name used by BMO Harris Bank N.A. Banking products and services are subject to approval and are provided by BMO Harris Bank N.A. Member FDIC.
Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.
*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.
1BMO named “The Most Sustainable Bank in North America” on Corporate Knights’ Global 100 Most Sustainable Corporations in 2020, 2021 and 2022. To learn more, visit https://www.bmo.com/climate.
2Those applying online for a Classic Savings account must have a working mobile phone.
3To automatically qualify for a Premier Relationship Interest Rate, you must have an open Bank of the West Premier Checking account and one Choice Money Market Savings account with the same ownership. The 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 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 Premier Relationship Premium will be applied beginning the first business day of the statement cycle. Once set, the Premier Relationship Premium will not change during that statement cycle. The standard interest rate can change as frequently as daily. The 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 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.
4If 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.
5Touch ID is available only for newer iPhone models (5S and later) using iOS 8 or higher. Face ID is available only on iPhone models X and later. Use of your Mobile device requires enrollment in Online Banking and download of our Mobile App. Wireless carriers may charge fees for text transmissions or data usage. Mobile Banking requires an internet-ready phone and is supported on Apple iPhone devices with iOS 9 and greater and on Android mobile devices with OS 5 and greater. Mobile deposits made before 7 pm PT will be processed the same business day and made available within two business days. Longer delays may apply based on the type of items deposited, amount of the deposit, account history or if you have recently opened your account with us.
6Subject to regulatory limitations and concerns.
Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer, member FINRA/SIPC, and SEC Registered Investment Adviser. BancWest Investment Services, Inc. is a subsidiary of BMO Harris Bank N.A. Financial Advisors are Registered Representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Insurance Agency and/or BancWest Investment Services, Inc. in the states where we are licensed to do business. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. BancWest Insurance Agency is a trade name of BancWest Investment Services, Inc., a subsidiary of BMO Harris Bank N.A. BMO Harris Bank N.A. and its various affiliates and subsidiaries are not tax or legal advisors.
BancWest Investment Services is a wholly owned subsidiary of BMO Harris Bank N.A.
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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.
