Minimum Opening Deposit
Account can be opened with a deposit of any amount
$0.00
Monthly Service Fee
The Monthly Service Fee of $25.00 can be waived by maintaining an combined average monthly balance of $25,000.00.
$25.00
Annual Percentage Yield (APY)
The account earns 0.01% for all balances
0.01%%
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
ATM Fee Reimbursements
Unlimited fees rebated per statement cycle for cash withdrawal fees charged by other banks for use of their ATMs.
Yes
Surcharge-Free ATM Access
Yes
Non-affiliated ATM Usage Fee
$0.00
International ATM Usage Fee
There is a fee calculated as 2.00% of the total amount withdrawn.
$0.00
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
Orders of Premier Checking checks are free for the life of the account or a 25% discount on other styles.
Yes
Monthly Paper Statements
Yes
Check Images with Statements
Included
Online Statements
Yes
Online Check Images
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:- no transfer fee;- 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.