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Apply now for a Choice Interest Checking account - free of monthly service charge with Direct Deposit.
1 The Bank at Work program is only available to personal account holders employed by a business enrolled in the Bank at Work Program and exclusive of any other promotions and/or special rates. Bank at Work program ("Program") is subject to change without notice. Program requires a monthly direct deposit of $250 or more per statement cycle and is available with Choice Interest Checking, Signature Checking or Bank of the West Premier Checking only. If you do not qualify for any of these checking accounts, you may be offered an alternate checking product which may not be eligible to participate in the Program.
2 In order to waive the monthly service charge on the Choice Interest Checking with eligible Direct Deposits, the first Direct Deposit must be received within 2 statement cycles following account opening date. If the required Direct Deposit is not received within 2 statement cycles following the account opening date, is less than the required minimum, or is discontinued, standard monthly service charges will apply. There are other ways to waive the monthly service charge on the Choice Interest Checking: Ask for details.
3 Direct Deposit to the Signature Checking or Bank of the West Premier Checking will not waive the monthly service charge. To waive the monthly service charge on a Signature Checking account, you must maintain a minimum average monthly balance of $15,000 in your Signature Checking or maintain a minimum $25,000 combined average monthly balance in your Signature Checking plus all linked personal checking, savings, and money market accounts, including CDs and IRAs. To waive the monthly service charge on a Bank of the West Premier Checking account, you must maintain a minimum of $50,000 combined average monthly balance in your Bank of the West Premier Checking plus other eligible personal checking, money market, savings accounts, CDs, and IRAs, and prior end-of-the month account balances in eligible BancWest Investment Services Investment accounts.
4 Annual Fee of $15 on a Gold Line Account associated with a Choice Interest Checking account is waived for customers enrolled in the Program. There is no Annual Fee on a Gold Line associated with a Signature Checking or Premier Checking account regardless of whether or not you are enrolled in the Program. Transaction charges apply. The Gold Line Account includes a Loan Advance Fee equal to the greater of $6 or 2% of each loan posted to the Account. The maximum Loan Advance Fee is $15 on any single advance. Gold Line Account subject to credit approval.
5 Benefit is not exclusive to Bank at Work program; standard benefit for consumer checking accounts.
6 Standard text messaging and mobile carrier rates may apply.
7 One-time set up fee applies. $40.00 discount can be applied to annual rental fee of larger boxes if small safe deposit box is unavailable. Larger boxes also subject to availability.
8 All consumer loans and lines are subject to credit approval. Certain fees and restrictions may apply. An additional 0.25% rate discount is available for automatic payments from a Bank of the West checking account on products eligible for automatic payment discounts. According to the terms of the loan documents, the discount may be reversed and your rate and payments may increase if automatic payments are discontinued for any reason. The following products are not eligible for the Bank at Work rate discount: Airplane Loans, Credit Cards, Gold Line, Home Equity Loans/Home Improvement Loans-1st Position, Savings-CD Secured, and Fixed Rate Loan Options (FRLO).
9 Bonus interest rate of up to 0.25% will be added to standard interest rate on select CD terms. Once opened, the standard interest rate plus any bonus interest rate are fixed for the entire term of the CD. Minimum opening deposit of $10,000 required to obtain bonus interest rate.
10 Bonus interest rate of up to 0.25% will be added to standard interest rate on the Money Market Plus account. Minimum balance of $10,000 required to obtain bonus interest rate. Standard interest rates and bonus interest rates are variable and may change as frequently as daily.
11 Mortgage loans are subject to credit approval, standard mortgage qualifications, and underwriting requirements. Additional fees, conditions, and restrictions may apply. Equity loans and lines excluded. Only one $375 credit applied at closing where one borrower has a qualifying checking account; limit one credit per rolling 12 month period.
12 To receive the $25 statement credit, a customer must open a new Bank of the West consumer credit card, be enrolled in the Bank of the West Bank at Work program, and make a qualifying purchase. Balance transfers, cash advances, convenience checks, interest charges, and any fees charged to the account do not count as qualifying purchases. Only one statement credit per account is permitted. The $25 statement credit will be posted to your statement following the date the first transaction is completed. The credit card account must be open and in good standing to receive the statement credit. The $25 statement credit may be reported to the IRS on Form 1099. Bank of the West employee accounts, Bank of the West Secured Credit Card and Bank of the West Wealth Management World Elite™ MasterCard® Credit Card accounts are excluded.
Investments and Insurance products:
NOT FDIC INSURED
NOT BANK GUARANTEED
MAY LOSE VALUE
NOT A DEPOSIT
NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY