Bank of the West Overdraft Fees:

The chart below shows fees for overdraft/returned items for Bank of the West accounts.

First Occurrence* - $31

Subsequent Occurrences - $35

Daily Overdraft Fee - $5.00/day effective the third business day if account is overdrawn by $15 or more

Maximum four items per business day charge

* Occurrence: (For purposes of overdrafts and returned items.) An Occurrence is each day in which your account does not have sufficient available funds to cover the items presented for payment regardless of whether or not you are charged an Overdraft or Returned Item fee for the item. For example, if you have three (3) items presented for payment in a single day for which there are insufficient funds to cover these items, that is considered to be one (1) Occurrence. However, you may be charged for each of the three items. Occurrences are based on the number of Overdraft and Returned Item Occurrences in the current month plus the previous 12 full months.

As a courtesy to our customers, we will not charge an overdraft fee for accounts overdrawn by $5 or less at the end of any business day.

The chart below shows fees for overdraft/returned items for Bank of the West accounts.

First Occurrence* - $31

Subsequent Occurrences - $35

Daily Overdraft Fee - $5.00/day effective the fifth business day if account is overdrawn by $15 or more

Maximum four items per business day charge

* Occurrence: (For purposes of overdrafts and returned items.) An Occurrence is each day in which your account does not have sufficient available funds to cover the items presented for payment regardless of whether or not you are charged an Overdraft or Returned Item fee for the item. For example, if you have three (3) items presented for payment in a single day for which there are insufficient funds to cover these items, that is considered to be one (1) Occurrence. However, you may be charged for each of the three items. Occurrences are based on the number of Overdraft and Returned Item Occurrences in the current month plus the previous 12 full months.

As a courtesy to our customers, we will not charge an overdraft fee for accounts overdrawn by $5 or less at the end of any business day.

The chart below shows fees for overdraft/returned items for Bank of the West accounts.

First Occurrence* - $26

Subsequent Occurrences - $35

Daily Overdraft Fee - $5.00/day effective the third business day if account is overdrawn by $15 or more

Maximum four items per business day charge

* Occurrence: (For purposes of overdrafts and returned items.) An Occurrence is each day in which your account does not have sufficient available funds to cover the items presented for payment regardless of whether or not you are charged an Overdraft or Returned Item fee for the item. For example, if you have three (3) items presented for payment in a single day for which there are insufficient funds to cover these items, that is considered to be one (1) Occurrence. However, you may be charged for each of the three items. Occurrences are based on the number of Overdraft and Returned Item Occurrences in the current month plus the previous 12 full months.

As a courtesy to our customers, we will not charge an overdraft fee for accounts overdrawn by $5 or less at the end of any business day.

The chart below shows fees for overdraft/returned items for Bank of the West accounts.

First Occurrence* - $31

Subsequent Occurrences - $36

Daily Overdraft Fee - $5.00/day effective the third business day if account is overdrawn by $15 or more

Maximum four items per business day charge

* Occurrence: (For purposes of overdrafts and returned items.) An Occurrence is each day in which your account does not have sufficient available funds to cover the items presented for payment regardless of whether or not you are charged an Overdraft or Returned Item fee for the item. For example, if you have three (3) items presented for payment in a single day for which there are insufficient funds to cover these items, that is considered to be one (1) Occurrence. However, you may be charged for each of the three items. Occurrences are based on the number of Overdraft and Returned Item Occurrences in the current month plus the previous 12 full months.

As a courtesy to our customers, we will not charge an overdraft fee for accounts overdrawn by $5 or less at the end of any business day.

The chart below shows fees for overdraft/returned items for Bank of the West accounts.

First Occurrence* - $28

Subsequent Occurrences - $34

Daily Overdraft Fee - $5.00/day effective the third business day if account is overdrawn by $15 or more

Maximum four items per business day charge

* Occurrence: (For purposes of overdrafts and returned items.) An Occurrence is each day in which your account does not have sufficient available funds to cover the items presented for payment regardless of whether or not you are charged an Overdraft or Returned Item fee for the item. For example, if you have three (3) items presented for payment in a single day for which there are insufficient funds to cover these items, that is considered to be one (1) Occurrence. However, you may be charged for each of the three items. Occurrences are based on the number of Overdraft and Returned Item Occurrences in the current month plus the previous 12 full months.

As a courtesy to our customers, we will not charge an overdraft fee for accounts overdrawn by $5 or less at the end of any business day.

The chart below shows fees for overdraft/returned items for Bank of the West accounts.

First Occurrence* - $31

Subsequent Occurrences - $35

Daily Overdraft Fee - $5.00/day effective the third business day if account is overdrawn by $15 or more

Charge for only one item presented on any business day

* Occurrence: (For purposes of overdrafts and returned items.) An Occurrence is each day in which your account does not have sufficient available funds to cover the items presented for payment regardless of whether or not you are charged an Overdraft or Returned Item fee for the item. For example, if you have three (3) items presented for payment in a single day for which there are insufficient funds to cover these items, that is considered to be one (1) Occurrence. However, you may be charged for each of the three items. Occurrences are based on the number of Overdraft and Returned Item Occurrences in the current month plus the previous 12 full months.

As a courtesy to our customers, we will not charge an overdraft fee for accounts overdrawn by $5 or less at the end of any business day.

The chart below shows fees for overdraft/returned items for Bank of the West accounts.

First Occurrence* - $31

Subsequent Occurrences - $35

Daily Overdraft Fee - $3.00/day effective the first business day if account is overdrawn by $15 or more

Maximum four items per business day charge

* Occurrence: (For purposes of overdrafts and returned items.) An Occurrence is each day in which your account does not have sufficient available funds to cover the items presented for payment regardless of whether or not you are charged an Overdraft or Returned Item fee for the item. For example, if you have three (3) items presented for payment in a single day for which there are insufficient funds to cover these items, that is considered to be one (1) Occurrence. However, you may be charged for each of the three items. Occurrences are based on the number of Overdraft and Returned Item Occurrences in the current month plus the previous 12 full months.

As a courtesy to our customers, we will not charge an overdraft fee for accounts overdrawn by $5 or less at the end of any business day.

The chart below shows fees for overdraft/returned items for Bank of the West accounts.

First Occurrence* - $30

Subsequent Occurrences - $30

Daily Overdraft Fee - $5.00/day effective the third business day if account is overdrawn by $15 or more

Maximum four items per business day charge

* Occurrence: (For purposes of overdrafts and returned items.) An Occurrence is each day in which your account does not have sufficient available funds to cover the items presented for payment regardless of whether or not you are charged an Overdraft or Returned Item fee for the item. For example, if you have three (3) items presented for payment in a single day for which there are insufficient funds to cover these items, that is considered to be one (1) Occurrence. However, you may be charged for each of the three items. Occurrences are based on the number of Overdraft and Returned Item Occurrences in the current month plus the previous 12 full months.

As a courtesy to our customers, we will not charge an overdraft fee for accounts overdrawn by $5 or less at the end of any business day.

The chart below shows fees for overdraft/returned items for Bank of the West accounts.

First Occurrence* - $31

Subsequent Occurrences - $35

Daily Overdraft Fee - $5.00/day effective the third business day if account is overdrawn by $15 or more

Maximum four items per business day charge

* Occurrence: (For purposes of overdrafts and returned items.) An Occurrence is each day in which your account does not have sufficient available funds to cover the items presented for payment regardless of whether or not you are charged an Overdraft or Returned Item fee for the item. For example, if you have three (3) items presented for payment in a single day for which there are insufficient funds to cover these items, that is considered to be one (1) Occurrence. However, you may be charged for each of the three items. Occurrences are based on the number of Overdraft and Returned Item Occurrences in the current month plus the previous 12 full months.

As a courtesy to our customers, we will not charge an overdraft fee for accounts overdrawn by $5 or less at the end of any business day.