You can apply instantly for a Choice Interest Checking Account.  Click here to apply now.

Questions?

Call customer service at
(800) 488-BANK (2265), Mon-Fri from 6 a.m. to midnight Central Time, and Sat-Sun and most holidays from 7 a.m. to midnight Central Time.

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Check out all the special rates and services that Bank at Work has to offer

Valuable Services
  • Choice Interest Checking - account is free of monthly service charge with Direct Deposit2
  • Premier Relationship Checking3 with Direct Deposit
  • Mobile Banking4,5
  • Debit Card4
  • Complimentary box of Bank of the West corporate image checks, or $5 off wallet-style checks
  • Annual fee waived on small safe deposit box (subject to availability)6






  • Annual fee waived on Gold Line overdraft protection with Choice Interest Checking - $15 value7
  • 0.25% off standard posted Auto Loan rates8†
  • 0.25% off standard posted Home Equity rates8† (excluding 1st lien position)
  • 0.25% off standard posted Home Equity Line of Credit rates8†


†All standard posted rates include a 0.25% discount for automatic payment from a Bank of the West checking account and may increase if automatic payments are discontinued for any reason. Additional 0.25%rate reduction through the Bank at Work program

Special Rates and Discounts
  • Up to 0.25% bonus CD interest rate (minimum balance of $10,000)9
  • Up to 0.25% bonus interest rate on Money Market Plus account (minimum balance of $10,000)10
  • Mortgage: $375 closing cost
    credits 11
BancWest Investment Services disclosure 12
  • Complimentary financial review by a BancWest Investment Services Financial Professional

Apply Now

Apply now for a Choice Interest Checking account - free of monthly service charge with Direct Deposit.


TERMS AND CONDITIONS

These offers are available only to consumers enrolled in the Bank at Work program and exclusive of any other promotions and/or special rates. All loans and lines of credit are subject to credit approval. Certain fees and restrictions may apply. Program subject to change without notice.

1 Bank at Work program requires a monthly direct deposit of $250 or more per statement cycle and is available with Choice Interest Checking or Premier Relationship Checking only. If you do not qualify for Choice Interest Checking or Premier Relationship Checking, you may be offered an alternate checking product which may not be eligible to participate in Bank at Work program. First Direct Deposit must be received within 60 days of account opening. If Direct Deposit is discontinued standard monthly services charges will apply.

2 Choice Interest Checking is a tiered interest bearing checking account. The same rate of interest may be paid on more than one balance tier for any of our tiered rate accounts. Interest is compounded daily and paid monthly on collected balances. $100 minimum opening deposit required. Personal accounts only. First Direct Deposit must be received within 60 days of account opening. If Direct Deposit is discontinued standard monthly services charges will apply.

3 The Premier Relationship checking account with Direct Deposit is eligible for the Bank at Work program, however Direct Deposit will not waive the monthly fees on a Premier Relationship Checking Account. To waive the monthly fee on a Premier Relationship Checking account, customers must maintain an average balance of $15,000 in their Premier Relationship checking account or maintain a $25,000 combined average monthly balance in their Premier Relationship Checking account plus all linked personal checking, savings, and money market accounts, as well as CDs and IRAs. First Direct Deposit must be received within 60 days of account opening.

4 Benefit is not exclusive to Bank at Work program; standard benefit for consumer Checking accounts.

5 Standard text messaging and mobile carrier rates may apply.

6 One-time set up fee applies. Discount can be applied to annual rental fee of larger boxes if small safe deposit box is unavailable.

7 Annual fee waived on Gold Line overdraft protection. Transaction charges apply. The Annual Percentage Rate (APR) on a Gold Line account depends on the type of checking account to which it is associated. The APR is 18% for a Gold Line account associated with a Choice Interest Checking account and 9% for a Gold Line account associated with a Premier Relationship Checking account. The Gold Line overdraft protection product 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. The Gold Line account Annual Fee is waived for customers enrolled in Bank at Work. Otherwise, the Annual Fee on a Gold Line account is $15 for a Gold Line account associated with a Choice Interest Checking Account and there is no Annual Fee for a Gold Line account associated with a Premier Relationship Checking account.

8 Standard posted rates, except for accounts listed below, include a 0.25% discount for automatic payment from a Bank of the West checking account, and may increase if automatic payments are discontinued for any reason. Additional 0.25% rate reduction through the Bank at Work program. Home Equity loans may be subject to a prepayment penalty of $500 if the account is closed within 36 months of the account opening date. State limits apply; ask your loan officer for details. The following products are not eligible for discounts: Airplane Loans, Gold Line, Home Equity Loans/Home Improvement Loans-1st Position, Savings CD-Secured, and Fixed Rate Loan Options (FRLO). Home Equity Loans in first position are excluded from Bank at Work and automatic payment discounts.

9 Up to 0.25% bonus Annual Percentage Yield (APY) added to standard offering at time of Certificate of Deposit account opening. Minimum balance of $10,000 to obtain bonus. Early-withdrawal penalty may apply.

10 Up to 0.25% bonus Annual Percentage Yield (APY) added to standard offering at time of Money Market Plus account opening. Minimum balance of $10,000 to obtain bonus. Money Market Plus is a tiered-rate account. We reserve the right to pay the same interest rate on more than one tier. Interest rate is variable and subject to change. Fees may reduce earnings.

11 Credit will be applied at loan closing. One per household.

We reserve the right to amend or discontinue any product offering. Fees and charges are subject to change. Service charges, if any, are automatically deducted and appear on your regular statement, monthly or quarterly. Minimum or average balance requirements to waive the monthly service charge are calculated at each statement cycle.

12Investments and variable annuities are offered through BancWest Investment Services, a registered Broker/Dealer, member FINRA/SIPC. Financial Professionals are Registered Representatives of BancWest Investment Services. Fixed annuities/insurance products are offered through BancWest Insurance Agency in California, (License #0C52321), through BancWest Insurance Agency in Utah and through BancWest Investment Services, Inc. in AZ, CO, IA, ID, KS, MN, MO, ND, NE, NM, NV, OK, OR, SD, WA, WI, WY, HI, GUAM & CNMI.

*BancWest Investment Services is a wholly owned subsidiary of Bank of the West. BancWest Corporation is the holding company for Bank of the West. BancWest Corporation is a wholly owned subsidiary of BNP Paribas.

*Investment, Annuity, and Insurance products are: NOT INSURED BY FDIC OR ANY GOVERNMENT AGENCY-MAY LOSE VALUE-NOT A DEPOSIT-NOT GUARANTEED BY BANK OF THE WEST.

Loans subject to approval.