CHECKING THAT FITS YOUR BUSINESS

Business Checking Accounts

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When it comes to business checking accounts, one size does not fit all. Whether you’re looking for just the essentials or more services with relationship benefits, we have what you need.

To speak with a Business Banker, call us at 1-888-789-2345, TTY 1-800-659-5495 Mon–Fri, 6a.m.–5p.m. PT

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Any Deposit Checking for Business Classic Business Checking Choice Business Checking
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If you're looking for

An account with no minimum balance requirements

  • Up to $2,500 coin and currency deposited or furnished per month1
  • 50 transactions included per month2
  • Business debit card
  • Online tools to manage payments, cash flow and expenses
  • $5 overdraft fee buffer — no overdraft fees when your account is overdrawn by $5 or less3

An account designed for the everyday and long-term needs of an active business

  • Up to $5,000 coin and currency deposited or furnished per month1
  • 150 transactions included per month2
  • Business debit card
  • Online tools to manage payments, cash flow and expenses
  • $5 overdraft fee buffer — no overdraft fees when your account is overdrawn by $5 or less3

More services and relationship benefits

All the benefits of Classic Business Checking – plus:

  • Up to $20,000 coin and currency deposited or furnished per month1
  • 500 transactions included per month2
  • $100 rebate on your first check order9
  • Bonus rates on a linked Business Money Market Select account10
  • 10 incoming domestic or international wires per month at no cost11
  • Waived annual fee on BusinessLink Reserve Line12
  • No fees to receive a paper or online statement
  • Up to $400 credit when opening Relationship Services13

We waive the monthly service charge for the first two statement cycles. After that:

$10 monthly service charge4 will be waived when you:

  • Make any deposit each month5

$25 monthly service charge4 will be waived when you:

  • Maintain a minimum daily balance of at least $5,000

OR


  • Maintain an average monthly combined balance of $15,000 in linked Business Money Market, Savings, or CD accounts6,7

OR


  • Have a Bank of the West Merchant Services account8 linked to your Classic Business Checking account

OR


  • Have a Bank of the West Business Credit Card account with the same primary owner as your Classic Business Checking account8

$40 monthly service charge4 will be waived when you:

  • Maintain a minimum daily balance of at least $25,000

OR


  • Maintain an average monthly combined balance of $50,000 in linked Business Money Market, Savings, or CD accounts6,7

More convenience and control. All of our accounts come with essential tools to help you manage your business.

  • Online Banking & Bill Pay
  • Mobile Banking
  • Business Debit Card

Analyzed Business Checking

Meeting the unique needs of larger businesses

Businesses with more complex needs, such as automated payables and receivables, streamlined money management, and security controls, can count on us to provide customized solutions. Ask your banker if an Analyzed Business Checking account is right for you.

Getting started is easy

Call today to speak with a Business Banker:

1-888-789-2345
TTY 1-800-659-5495

Find a branch

Showing information for California

Legal information and Disclosures

1 Deposited or supplied coin and currency includes withdrawals, exchanges, and deposits less cash received. An Excess Cash Fee may apply when the Included Coin and Currency Limits are exceeded.

2 Transactions include all withdrawals, paid checks, transfers, debit card transactions, deposits, and each deposited item; excludes fees. An Excess Transaction Fee may apply for each transaction when the Included Transaction Limits are exceeded.

3 You will be charged an Overdraft Fee for an overdraft item paid if your account's daily ending Available Balance is overdrawn more than $5.

4 $100 minimum opening deposit required. For new accounts, we will waive the Monthly Service Charge for the first two statement cycles. The Monthly Service Charge and any applicable waivers will be assessed on the first business day of the statement cycle for the previous statement cycle's activity.

5 Waive the monthly service charge by making at least one (1) deposit of any amount to the account during the statement cycle, such as direct deposit, mobile deposit, ATM deposit, or in-branch deposit (does not include fund transfers between Bank of the West accounts or any credit from Bank of the West).

6 Business money market, savings, and CD accounts will be automatically linked to only one Classic Business Checking or Choice Business Checking account for the combined balance benefit. If you have multiple Classic Business Checking and/or Choice Business Checking accounts, you must tell us which checking account to link to each money market, savings, and CD account; account linkage will become effective up to two business days following the day selections are made. Any money market, savings, or CD account that is not linked to a checking account will not contribute to rebating any monthly service charge.

7 Business deposit accounts will be linked based on identical ownership on the accounts. If the business checking account has two owners, those same two individuals must be the owners of the business money market, savings, and/or CD account(s) in order for them to be linked.

8 Merchant Services offered by Elavon®. Elavon is not a Bank of the West affiliate. Bank of the West does not offer, control, or guarantee the services of Elavon and makes no representations or warranties regarding their services. Your Elavon Merchant Services must be set up through Bank of the West and settle to the Classic Business Checking account to waive the Monthly Service Charge. If you have more than one Business Credit Card account, you must tell us which one to link to the Classic Business Checking account to waive the Monthly Service Charge and the business entity named as the primary owner of the Business Credit Card must be the same as the Classic Business Checking Account. Only one Business Credit Card account benefit can be applied to a single Classic Business Checking account, regardless of how many Business Credit Card accounts or checking accounts you have. Loans and credit lines are subject to credit approval. Certain fees, conditions, and restrictions may apply. Merchant Services and Business Credit Card Monthly Service Charge waivers will become effective up to two business days following the day the Classic Business Checking account is opened or transferred.

9 Checks and check supplies available through the Bank's designated provider, Harland Clarke. $100 rebate (or the cost of the order if less than $100) available on the first order made within one year of account opening for new accounts only, and will not apply to transferred accounts or subsequent orders. Rebate will be credited to account on the first business day following the day the check order charge is debited from the account.

10 A Relationship Premium is a bonus interest rate on qualifying Business Money Market Select accounts for selected balance tiers. The standard interest rate plus the Relationship Premium interest rate equals the Relationship Interest Rate. The Relationship Premium interest rate is set at the Bank's discretion and is subject to change without notice. There may not be a Relationship Premium interest rate associated with every balance tier. Only one Business Money Market Select account per customer relationship may be linked to a Choice Business Checking account to receive a Relationship Interest Rate. The Choice Business Checking account must have at least two customer-initiated transactions during the prior statement cycle to allow the linked Business Money Market Select account to qualify for the Relationship Interest Rate. Choice Business Checking and Business Money Market Select accounts will be linked based on identical ownership on the accounts.

11 Includes domestic and international wires. After 10 free incoming wires in the monthly statement cycle, refer to your Schedule of Fees and Charges for Business Accounts for most current fees.

12 BusinessLink Reserve Line annual fee waived for Choice Business Checking accounts; accounts transferred out of Choice Business Checking will no longer receive the fee waiver.

13 Receive $100 for each Relationship Service account opened (maximum of four) within six months of Choice Business Checking account open or transfer date. Eligible Services must be opened on or after April 6, 2020 and include the following services available through Bank of the West: ADP® or PrimePay® payroll service, Merchant Services offered by Elavon®, Business MasterCard® or Business Rewards MasterCard®, and Electronic Deposit Service (EDS). $100 per Relationship Service, up to $400 total. Customers with one Choice Business Checking account and multiple accounts for any one of the above Services (i.e., two Business Credit Card accounts) will receive one $100 credit per Relationship Service type. Merchant Services, Payroll Services, and Electronic Deposit Services will be linked to the account selected at the time Relationship Service is set up. For customers with both a Classic Business Checking and a Choice Business Checking account who open a Business Credit Card, the Business Credit Card will be linked to the Classic Business Checking account. Customers with multiple Choice Business Checking accounts who meet the above criteria for any $100 credit(s) will see the credit deposited, as applicable, into the account used for processing ADP Payroll or EDS, the account to which the Elavon Merchant Services settles, and to the account with the latest open date or highest account number for Business Credit Card. ADP, PrimePay, and Elavon are not Bank of the West affiliates. Bank of the West does not offer, control, or guarantee the services of ADP, PrimePay, or Elavon and makes no representations or warranties regarding their services. Loans and credit lines are subject to credit approval. Certain fees, conditions, and restrictions may apply.