Choice Business Checking
Our premium business checking account with extra features and relationship benefits.
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
Our full suite of benefits
Key features include:
- Up to $20,000 coin and currency deposited or furnished per month1
- 500 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
- $100 rebate on your first check order4
- Bonus rates on a linked Business Money Market Select account5
- 10 incoming domestic or international wires per month at no cost6
- Waived annual fee on BusinessLink Reserve Line7
- No fees to receive a paper or online statement
- Up to $400 credit when opening Relationship Services8
To give your new account the right start, we'll waive the $40 monthly fee9 for the first two statement cycles. After that it can 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 accounts10,11
More convenience and control. All of our accounts come with essential tools to help you manage your business.
Find the best checking account for your business needs: Compare Accounts
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.
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 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.
5 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.
6 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.
7 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.
8 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.
9 $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.
10 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.
11 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.