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Signature Checking

Get premium interest rates on select linked savings accounts, waived fees and a host of special privileges.

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1Requirements to Receive Up to $150 Bonus: Student Checking and Premier Checking excluded. All offers valid for any other consumer checking account opened at a branch or account application submitted on between 03/04/17 to 04/14/17 with a minimum opening deposit of $100 or more with funds new to Bank of the West (Bank) received and posted to the account no later than 04/21/17.

2To receive the $100 bonus, customer must have a direct deposit of at least $250 (two or more direct deposits that add up to $250 do not qualify) posted to the account by 06/30/17. Direct deposit must be payroll, Social Security, pension or other government benefits.

3To receive the $50 bonus, customer must request, receive and use a new Bank of the West Debit Card linked to the new checking account for 10 or more debit card purchases all of which must post to the account by the last business day of the month for each of the first two full calendar months immediately following the month in which the opening deposit posts to the account, for a total of 20 or more transactions. Each purchase must be $3 or more. ATM transactions are excluded. All required purchases must be posted by 06/30/17.

  • Offer is not available to existing Bank of the West customers with an open checking account as of 03/03/17.
  • If the customer or other individuals residing at the same address received or may receive any other consumer checking bonus from the Bank between 07/01/2015 - 07/30/2017, then no one at that address is eligible.
  • Limit of one consumer checking bonus per individual and per mailing address.
  • Employees of Bank of the West and its affiliates are not eligible for this offer.
  • Account must be in open status and have a positive balance as of 06/30/17 to be eligible to receive any bonus.
  • Bonus will be credited to the open checking account by 07/31/17.

Offer does not apply to second or multiple checking accounts. Bank will classify the bonus as interest paid to the checking account. Any applicable taxes associated with this offer are the responsibility of the account holder. To the extent required by law, Bank will report total value of the offer to the IRS on Form 1099 for tax year 2017. All accounts are subject to the Bank’s standard terms and conditions and Schedule of Fees and Charges. There is a Monthly Service Charge that ranges from $8 to $30 depending upon which checking account you open. Visit your local branch or for additional details and options to waive the Monthly Service Charge.

4A Premier Relationship Premium is a bonus interest rate on one (1) qualifying Choice Money Market Saving account for selected balance tiers. The standard interest rate plus the Premier Relationship Premium Interest Rate equals the Premier Relationship Interest Rate. The Premier Relationship Premium Interest Rates are set at the Bank's discretion and are subject to change without notice. Only one (1) Choice Money Market Savings account can be linked to a Signature Checking account for the purposes of obtaining the Premier Relationship Interest Rate. If you have a second Signature Checking account, it does not provide a Premier Relationship Interest Rate to any Choice Money Market Savings or Relationship CD associated with it. There may not be a Premier Relationship Premium associated with every balance tier.

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

5To qualify for the bonus CD interest rate, you must have a Signature Checking account. These bonus CD interest rates are available on select CD products only and are subject to change or discontinuance at account renewal. If you do not have an open Signature Checking account when the CD renews, you will receive the standard rate for the new term.

6If you have an open, active Signature Checking account, you are eligible for a second Signature Checking account with no monthly service charge. The ownership on both accounts must be identical. The second Signature Checking does not provide a special pricing benefit to a Choice Money Market Savings account.

7The Gold Line Account can be linked to your Signature Checking account as overdraft protection for occasional or unplanned overdrafts. Gold Line transfers are determined by your credit limit and credit is subject to approval. It will not advance funds to cover fees or charges assessed by the Bank. This may result in an overdraft on your checking account. Loan transfer fees and other restrictions may apply.

8Bank 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 Signature Checking account.

9One-time setup fee of $20 for safe deposit box waived. Safe deposit box offer is subject to availability.

10Personal checking, money market, savings, CD and/or IRA accounts can be automatically linked to only one Signature Checking account. Primary account owner on Signature Checking must also be an owner on any linked accounts for the combined balance waiver. Additional Signature Checking accounts must meet standalone balance requirement for the monthly service charge to be waived, unless it is a secondary Signature Checking account linked to a primary Signature Checking account.

*This account earns interest at a variable rate. Rates differ based on balance. Rates may change any time without prior notice, before or after the account is opened. Fees could reduce earnings on the account. Additional restrictions may apply.