Bank of the West Any Deposit Checking Account

Any deposit:

  • to open the account, AND
  • to avoid the monthly fee!

securely on the bank's website

The Bank of the West Any Deposit is a regular checking account offering standard banking products and services, including a free Mastercard debit card, mobile banking app, and free access to Bank of the West ATMs across the States.

This checking account comes with a $10 monthly fee that can be waived so easily: by having any amount of money deposited into your account every month. Any amount! But, if you're aged 25 or younger, you won't pay any monthly fees on the Any Deposit Checking whatsoever.

You can also open an Any Deposit Checking with just about any amount - no minimum opening deposits required either! That said, no other fees or requirements are as low or flexible as the monthly fees and the opening deposit are. For example, while you'll have free access to Bank of the West's ATMs, you'll always pay a $3.00 fee when you make transactions at out-of-network ATMs. Plus, when you travel outside the Untied States, even though you'll be able to use your Mastercard debit card wherever these cards are accepted, you'll be charged foreign transaction fees by both Mastercard and Bank of the West!

Not to mention overdraft fees or NSF fees - luckily, overdraft protection options are available, so in case your balance ever goes negative without your keeping track of it, you'll be able charged a lower fee. Note: you'll have to pay, so, to avoid overdraft fees altogether, never let your balance go below $0.

On the brighter side - and there are many, apparently - Bank of the West's great Mobile Banking app lets you manage your account and bank safely while on the go, knowing you're protected against all kinds of financial fraud! You'll be able to keep an eye on both your Mastercard debit card and Any Deposit Checking account 24/7. Thanks to custom account alerts you can set up to receive notifications whenever something you'd like to monitor happens. Another layer of security is added with different unique sign-in options, such as Touch ID or Face ID, so you can ensure no one but you can access your account. Besides, your Mastercard comes with several key benefits that ensure identity protection and safe shopping. You can also instantly lock or block it via the Mobile Banking app to temporarily pause card activity. Yet, again, this is nothing new, as many other banks offer such or better banking features!

Finally, since you can avoid the monthly fee in such a simple way, if all you need is a basic checking account, a checking account that offers no cash back rewards or that doesn't pay interest, then the Bank of the West Any Deposit Checking might be a solution for you. You should especially consider it if you live in a state Bank of the West has its ATMs and branches. BUT, with so many neobanks, you might also want to consider online checking accounts, which usually come with more perks and almost no fees at all!

 

 

Checking account details

Checking account fees

  • Monthly Fee
    $10 (can be waived)
  • APY
    0.00%
  • Minimum Deposit to Open
    any amount
  • Out-of-Network ATM Transaction Fee
    $3.00
  • Out-of-Network ATM Withdrawal Fee
    $3.00
  • Overdraft Fee
    $35
  • Non-Sufficient Funds Fee
    $35
  • Foreign Transaction Fee
    1% + 2%

Bank of the West Any Deposit Checking Account FAQ

1. What Overdraft Coverage options does Bank of the West offer?

Bank of the West offers 2 overdraft coverage plans:

1. Gold Line Account

  • The Gold Line account is a line of credit that you can use to link to your Any Deposit Checking for overdraft protection. Transactions covered include checks, ATM withdrawals, ACH and automatic electronic payments, everyday debit card purchases, recurring debit card transactions, and other checking account transactions. However, there's a loan transfer fee that applies for each transfer ($12), including a 19.9% APR on Any Deposit Checking loan advances, and a $24 annual fee. Credit check is required for the Gold Line Account.

2. Savings Overdraft Protection

  • If you have a Bank of the West savings account or money market account, you can link it to your Any Deposit Checking. Transactions covered include checks, recurring debit card transactions, ACH, and automatic electronic payments presented at the end of each banking day. There's a $12 overdraft transfer fee that applies.

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With or without additional overdraft protection, you'll always be charged some fees. The best way is to avoid them altogether by making sure you've always got enough money in your Any Deposit Checking, and don't overspend. Set up custom alerts to keep an eye on your current balance at all times.

2. What security and protection features does my Bank of the West Mastercard debit card include?

When you open a Bank of the West Any Deposit Checking account, you'll receive a complimentary Mastercard debit card you can use anywhere Mastercard is accepted. The Bank of the West Mastercard debit card comes with a range of benefits thanks to which you'll be able to shop safely, including:

  • Mastercard Zero Liability Policy: protects you against unauthorized transactions, provided that you can prove you've done your best to prevent debit card loss or theft, and that you report the loss or theft of your Mastercard debit card to Bank of the West as soon as it happens.
  • Mastercard ID Theft Protection: if you believe you've been a victim of identity theft, contact 1-800-Mastercard. The Mastercard ID Theft Protection services also include Online Monitoring Dashboard (requires activation), Monthly Risk Alert / Newsletter, Identity Monitoring, Resolution Services, Lost Wallet Assistance, Single Bureau Credit Monitoring, Financial Account Takeover, and URL and Domain Monitoring.
  • Extended Warranty.
  • Satisfaction Guarantee.
3. What are the benefits of using Bank of the West Online Banking?

Bank of the West Online Banking allows you to manage your money easily and conveniently, by simply logging in to your account using a connected device. You can use Bank of the West Online Banking to:

  • manage your Bank of the West bank accounts,
  • access all your account information in one place,
  • bay bills, schedule transactions, and transfer funds,
  • check monthly statements,
  • categorize transactions to track spending,
  • view checks, and find transactions,
  • set up account and card alerts - and more!

Additionally, in Mobile Banking, you'll also be able to:

  • access your account using face and fingertip sign-in, as well as Mobile PIN,
  • make mobile check deposits
  • use the Scan-to-Pay feature to pay bills with a snap,
  • use Bill Pay for fast and secure payments,
  • access your account balance and up to 5 last transactions with Quick Balance.

As you can see, Bank of the West digital banking includes everything necessary for daily banking. All you need to do is enroll!

4. How do I enroll in Bank of the West Online Banking?

To sign up for Bank of the West Online Banking, you'll need your:

  • Bank of the West Any Deposit Checking Account number (or any active Bank of the West account, whether it be checking, savings, CD, mortgage, loan, credit card or BancWest Investment Services investment account),
  • Bank of the West debit card number and PIN or your account number,
  • Valid email address.
5. Where can I download the Bank of the West Mobile Banking App?

You can download the Bank of the West Mobile Banking App from the App Store or Google Play. Once you've installed the app, you'll be able to sign in to your Bank of the West Any Deposit Checking account, and start using the bank's mobile banking features, including money transfers with Zelle, ATM and branch locator, and more!

6. Do I need to install the Bank of the West Mobile Banking app to access my checking account with my mobile device?

Actually, you don't need to download the Bank of the West Mobile Banking app to be able to access your Any Deposit Checking Account (or any Bank of the West account you may have) when outside your home. You can also access your account by visiting botw.com from your smartphone, and signing in to Bank of the West's mobile website for on-the-go banking.

7. How do I order checks with Bank of the West?

To order checks, you need to sign in to your online Any Deposit Checking account. You'll see the "Services & Support" tab, from the drop-down menu of which you should select "Order Checks". As simple as that. Though, if you need assistance, you can always contact Bank of the West by phone at 800-488-2265 or TTY 800-659-5495. You can also visit a local Bank of the West branch. Make sure you book an appointment first.

8. How can account alerts help me manage my Bank of the West Any Deposit Checking account?

With account alerts delivered straight to your inbox or mobile phone, you'll be able to keep an eye on your checking account as well as debit card 24/7. For example, you can set up:

1. Balance alerts, to notify you when:

  • your balance is too low, so you can avoid overdrafts, and transfer funds to your checking account; 
  • you have excess funds, so you can eventually transfer them to your savings account or a CD, if you have any.

2. Payment Notification alerts, to notify you when:

  • a non-recurring payment was made from your Any Deposit Checking account.

3. Transfer Notification alerts, to notify you when:

  • a non-recurring transfer was made from your Any Deposit Checking account.

4. Payment Reminder alerts, to notify you when:

  • a payment is due to be processed within 7 days.

As you can see, these account alerts are particularly useful when it comes to protecting your account as you'll be informed instantly of any transactions that might be unauthorized. You can choose how and how often you'd like to be notified, and include any Bank of the West checking, savings, money market, Gold Line or line of credit you may have, so you monitor your account even when you're not logged in to your Online or Mobile Banking account.

9. What are foreign transaction fees on my Bank of the West Mastercard debit card?

Whenever you're using your Bank of the West Mastercard debit card for foreign currency transactions, you'll be charged a 1% Mastercard fee, as well as a 2% Bank of the West fee per each transaction.

10. How do I find my Bank of the West Any Deposit Checking account number?

Your Bank of the West Any Deposit Checking account number is at the bottom left corner of your checks, right after the first nine-digit number, which is Bank of the West routing number (121100782).

Check out other Bank of the West checking account offers
Bank Monthly Service Charge Minimum Deposit to Open APY
Bank of the West Any Deposit Checking Account $10 (can be waived) any amount 0.00%
Bank of the West 1% for the Planet Checking Account $10 (can be waived) any amount 0.00%
Bank of the West Premier Checking Account $25 (can be waived) any amount 0.01%
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