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Savings Accounts

Savings accounts to help you build a brighter future

Enjoy low minimums and competitive interest rates to help you reach your long- and short-term financial goals—all from a bank with the strongest environmental policies of any major US bank.
Not in California?

Classic Savingsfootnote2

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  • Your deposits won’t fund Arctic drilling, tar sands mining, or Big Tobacco
  • Competitive interest rates
  • Open an account with just $25
  • $5 monthly service charge
  • Three ways to waive your monthly service charge: maintain an average monthly balance of $300, use auto-save to set up recurring monthly transfers of $25 or more from any Bank of the West personal checking accountfootnote4, or if you are 18 years old or younger
  • Compounds daily and paid monthly

Choice Money Market Savings

Apply Now
  • Your deposits won’t fund Arctic drilling, tar sands mining, or Big Tobacco
  • Higher interest rates than our Classic Savings account
  • Interest rate bonus if you also have a Premier Checking accountfootnote3
  • Open an account with just $100
  • $15 monthly service charge
  • Three ways to waive your monthly service charge: maintain an average monthly balance of $5,000, use auto-save to set up recurring monthly transfers of $75 or more from any Bank of the West personal checking accountfootnote4, or if you have a Premier Checking Account
  • Compounds daily and paid monthly

Additional Benefits

Grow your savings automatically, by scheduling recurring transfers with auto-save

Unlimited number of in-branch and ATM withdrawals

Savings Overdraft Protection available when linked to a Bank of the West Checking account

retail app on phone

Mobile app with over 100,000 5-star ratings

  • Secure biometric loginfootnote4
  • Deposit checks anytimefootnote4
  • Use Zelle® for free to send or request money
  • Tap to view monthly cash flow

App Store rating

4.8

Open your account online in about 5 minutes

Classic Savings Choice Money Market Savings

Legal information and Disclosures

1Those applying online for a Classic Savings account must have a working mobile phone.

2To 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.

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.

4Wireless carriers may charge fees for text transmissions or data usage. Message frequency depends on account settings. Text HELP to BKWST for help. Availability of Mobile Banking may be affected by your mobile device's coverage area.

*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.

Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer, member FINRA/SIPC, and 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) and through BancWest Investment Services, Inc. in all other states where it is licensed to do business. This is not an offer or solicitation in any jurisdiction where we are not authorized to do business. 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. Bank of the West is a wholly owned subsidiary of BNP Paribas.

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.