No Minimum
Balance Checking

Just one deposit per month waives the service
charge with Any Deposit Checking for Business

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Get information about the SBA Paycheck Protection Program. Learn more

Why bank with us?

Bank of the West is focused on the positive impact we can make in the world. The world is changing, and we're transforming to meet those changes. Learn more

Launch Your Big Idea

We’re inviting women, social impact entrepreneurs, small businesses and nonprofits with a vision for change to #ActForImpact.
Submit your project


How a screenwriter turned entrepreneur tackled tough times and grew her food business. Learn more


COVID-19 and the climate crisis produce a unique moment for the solar industry. Learn more


As the pandemic struck, bridal orders plunged fast, and Sara Gabriel Designs pivoted faster. Learn more

Sell it today – Get paid today

Get your business paid faster with same-day funding until 7 pm PT.1 Learn more

Sell anywhere with Poynt

Unlimited 2X rewards for your business

Earn 2X Points per $1 spent, pay no annual fee, and get a 60,000 point welcome reward.2,3 Connect with us


Credit card 2x reward

Learn more about financial solutions for your business.


Small Business Customer Service

Mon-Fri 6 am-5 pm PT
TTY 1-800-659-5495

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Legal information and Disclosures

Credit card offers are subject to credit approval and are for business purposes only. Offers, terms and conditions are subject to change at any time without prior notice. Conditions, fees and restrictions may apply. Rates are subject to change and depend on terms.

1Applies only to transactions that are electronically deposited into your Bank of the West account. Transaction files received by 7:00 pm PT will be funded to a Bank of the West business checking account the same business day. Files received after 7:00 pm PT will be funded the next business day. Excludes weekends and holidays. Transaction limits and restrictions may apply.

2Earn 60,000 Reward Points - Points have no value except when claimed by the cardholder for redeeming a reward. Rewards Points offer is only valid for new Business Rewards Credit Card accounts. If qualifying net purchases (see below) totaling $5,000 or more are made within 90 days of account opening, 60,000 reward points will be posted to the account within 150 days of account opening. Limit one offer per Account. Offer may not be combined with any other special offer.

3Reward Points - Points have no value except when claimed by the cardholder for redeeming a reward. Two (2) points are earned for every $1 in qualifying net purchases on the Business Rewards Card. There is no limit to the Points and the Points have no expiration date as long as the account remains open and in good standing. Points are awarded only on net purchases (purchases minus any returns or adjustments). Balance transfers, cash advances, convenience checks, interest charges and any kind of fees charged to the account do not count as purchases. Qualifying purchases can be made by any and all cardholders on a single Account. Values of awards, Points required for an award, and awards offered may vary from time to time without notice. If your Account is closed for any reason, you will no longer be able to accumulate Points and all Points which have accrued with that Account will be eliminated. Accounts must be in good standing to claim and redeem Points. Points that have been accrued will be reflected on the cardholder’s monthly credit card statement and online at and cannot be transferred, assigned, bought or sold by the cardholder. All awards are subject to availability and may be withdrawn, changed or replaced at any time. The Bank of the West Rewards Program is subject to the current Program Rules that will be sent to you after your account is opened or can be viewed online at For additional credit card pricing information, see the Pricing and Terms for Business Credit Card(s) information provided with your application. The Bank of the West Rewards Program is subject to current Program Rules