Checking

With a variety of features and benefits, you can find the checking account that offers the best value and the right fit for you.

Easy Checking

Choice Interest Checking

Premier Relationship Checking

55 Plus Checking

Student Checking

This is the option1 for you if…

You want three easy ways to waive the monthly service charge.

You want to earn interest on your balances.

You want to increase the interest you earn and are looking for enhanced benefits.

You're at least 55 years young and want extra perks.

You're a student aged 18 - 24.

Pays Interest

No

Yes

Yes

No

No

Interest Rates Can Vary by Balance Tiers2

N/A

$0 to $2,499
$2,500 to $9,999
$10,000 to $24,999
$25,000 to $49,999
$50,000 and up

$0 to $2,499
$2,500 to $9,999
$10,000 to $24,999
$25,000 to $49,999
$50,000 to $99,999
$100,000 to $249,999
$250,000 to $499,999
$500,000 to $999,999
$1,000,000 and up

N/A

N/A

Monthly Service Charge

$8, if you receive paperless statements through Online Banking, OR
$10, if you receive paper statements

$10

$30

Free

$10 plus $3 paper statement fee

Ways to Waive this Fee each Month

  • $1,000 average monthly balance in this account, OR
  • Single direct deposit of $250 or more per statement cycle, OR
  • Ten or more debit card POS purchases (signature and/or PIN) per statement cycle
  • $2,500 average monthly balance in this account, OR
  • $5,000 average monthly balance in this account plus linked personal savings, CDs and IRAs3
  • $15,000 average monthly balance in this account, OR
  • $25,000 combined average monthly balance in this account plus all linked personal checking, savings, and money market accounts, as well as CDs and IRAs4

N/A

  • Be between the ages of 18 - 24

    AND
  • Present your student ID once each year.
  • To avoid a monthly $3 Paper Statements fee, simply sign up for Online Statements through Bank of the West Online Banking.

Comes with These Unique Benefits…

  • Access to award-winning customer service
  • Online Banking with Bill Pay
  • Debit Card

All the benefits of Easy Checking–plus you'll earn interest on your qualifying balances.

All the benefits of Choice Interest Checking–plus:

  • Earn a Premier Relationship Premium on a linked Choice Money Market Savings account
  • Bonus interest rates on selected CDs5
  • A second Premier Relationship Checking account with no monthly service charge6
  • No Bank of the West charge for using another bank's ATM and rebates on fees for cash withdrawals from other banks' ATMs7
  • No fee for cashier's checks, travelers cheques, money orders, stop payments, incoming wires, or overdraft protection transfers from a linked savings or money market account
  • No charge for Premier Relationship checks or 25% discount on other styles (one box per order)
  • Free small safe deposit box or $40 off larger sizes8

All the benefits of Easy Checking–plus:

  • One free box of corporate image, wallet-style checks
  • No-fee American Express® traditional travelers cheques

All the benefits of Easy Checking–plus:

  • Optional Student Perks Bundle available for $5 per month. Includes:

    Rebates of up to $6 per statement cycle on fees for cash withdrawals from other banks' ATMs

    No Bank of the West charges on two transactions per statement cycle at other banks' ATMs

    Bank of the West Rewards-get points with every qualifying Bank of the West Debit Card purchase

    No fee for Standard (3-business day) Popmoney transfers

    Graduation Bonus-present your college graduation certificate and 50% of the $5 monthly Student Perks Bundle fees you paid over the life of your Student Checking account will be deposited in a Bank of the West savings account, a great way to get a head start in life

All Checking Accounts come with the Best of the West Benefits Bundle…

  • Online Banking with Bill Pay
  • Bank of the West Debit Card
  • Free9 Mobile Banking
  • Discounts on consumer loan rates10
  • Toll-free access to Telephone Bankers
  • Bank of the West ATM access
  • Relationship interest rates11, 12, 13

Minimum Balance to Open

$100

$100

$100

$100

$20

1 An alternative product may be offered to non qualifying customers.

2 The same rate of interest may be paid on more than one balance tier. Choice Interest Checking and Premier Relationship Checking compound interest daily and pay interest monthly.

3 For combined balances, multiple personal deposit accounts including savings, certificate of deposit (CDs) and IRA accounts can be linked to your checking account. Account ownership must be the same on all linked accounts.

4 Personal checking, money market, savings, CD and/or IRA accounts can be automatically linked to only one Premier Relationship Checking account. Primary account owner on Premier Relationship Checking must also be an owner on any linked accounts for the combined balance waiver. Additional Premier Relationship Checking accounts must meet standalone balance requirement for the monthly service charge to be waived, unless it is a secondary Premier Relationship Checking linked to a primary Premier Relationship Checking.

5 To qualify for a bonus interest rate on a CD, you must have a Premier Relationship Checking account.

6 Same ownership required and primary account must be active for secondary account to be free.

7 Bank of the West will rebate up to $15 in surcharge fees that owners and operators of non-Bank of the West ATMs may charge for use of their ATMs each statement cycle on ATM transactions made on your Premier Relationship checking account.

8 One-time setup fee of $20 for safe deposit box waived. Safe deposit box offer is subject to availability.

9 Wireless carriers may charge fees for text transmissions or data usage.

10 Loans subject to credit approval. Certain fees and restrictions may apply. Discounts on loan rates may require a Bank of the West personal checking account with a debit card and automatic electronic payments.

11 Relationship Interest Rates may apply on Choice Money Market Savings accounts when you also have a qualifying Bank of the West consumer checking account. (Special rates can vary according to your account balance.)

12A Relationship Premium or a Premier Relationship Premium (available to Premier Relationship checking customers) is a bonus interest rate on qualifying Choice Money Market Savings accounts for selected balance tiers. The standard interest rate plus the Relationship Premium interest rate equals the Relationship Interest Rate; the standard interest rate plus the Premier Relationship Premium interest rate equals the Premier Relationship Interest Rate. The Relationship Premium and Premier Relationship Premium interest rates are set at the Bank's discretion and are subject to change without notice. Only one Choice Money Market Savings account can be linked to a checking account. There may not be a Relationship Premium or Premier Relationship Premium associated with every balance tier.

13 To automatically qualify for a Relationship Interest Rate, you must have an open Bank of the West consumer checking account and a Choice Money Market Savings account with the same ownership; to automatically qualify for a Premier Relationship Interest Rate, you must have an open Bank of the West Premier Relationship Checking account and a Choice Money Market Savings account with the same ownership. The Relationship Interest Rate or Premier Relationship Interest Rate will be earned on your Choice Money Market Savings account.