Bank of the West Any Deposit Checking Account

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.

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.

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!

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.

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!

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.

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.

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.

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.

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).