Minimum Opening Deposit
Account may be opened with a deposit of any amount.
$0.00
Monthly Service Fee
The Monthly Service Fee of $10.00 can be waived by Any deposit of any amount, does not need to be direct deposit. OR waived if any owner on account is under age of 25
$10.00
Debit Cards & Using ATMs
Debit Card
$0.00/yr
Bank of the West Rewards
This account includes 'Bank of the West Rewards' program to earn points for gifts and other items. The annual fee for this program is $15.00.
$15.00/yr
Non-affiliated ATM Usage Fee
There is a $3.00 fee each time you use a non-affiliated ATM.*Fees may differ depending on the state you reside in.
$3.00/per use
International ATM Usage Fee
There is a $3.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as 2% of the total amount withdrawn.
$3.00/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
This institution supports:- A text messaging service to view account balances, receive alerts;- A downloadable mobile application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- An iPhone application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;- An Android application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs.
Free
Deposit Checks with Mobile Phone
This feature is available for iPhone, iPad, and Android mobile applications.
Free
Person-to-Person Payments
PopMoney-free for Standard 3 Business Day Delivery, $3.00 for next Business Day Delivery
Free
Email Alerts
This Email Alert feature enables you to receive:- Warnings when your balance falls below a certain threshold;- Notice of deposits or withdrawals over a certain threshold;- Your account has gone into a negative balance;- Payment and transfer confirmations.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
No
Monthly Paper Statements
$3.00/month
Check Images with Statements
You can choose to receive images of the front of canceled checks in monthly statements for a fee of $2.00 per month. You can choose to receive images of the front and back of canceled checks in monthly statements for a fee of $3.00 per month.Check images are optional with paper statements.
$2.00/month
Online Statements
See the paper statement note for information on receiving online statements and online check images.There is a $2.00 fee when you are enrolled in both paper and online statements.
Yes
Online Check Images
Images of canceled checks can be viewed online for 4 months.
Yes
Overdrawing the Account
Negative Balance Fee
If your account remains overdrawn $15 or more for five (5) consecutive business days you will be charged $30 on the sixth business day.
Yes
Returned Item Fee
The Insufficient Funds Fee is $35.00,1 fee will be refunded in a rolling 12 month period.
$35.00/per item
Overdraft Protection
This checking account has 2 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $12.00. The transfer fee is charged for every $50.00 of negative balance;- Funds are transferred in fixed increments of $50.00.From a linked Overdraft Line of Credit:- Funds are transferred in fixed increments of $50.00.