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Bank of the West Any Deposit Checking

in Checking Accounts from Bank of the West · Member fdic

Unaffiliated

Bank of the West Any Deposit Checking

Unaffiliated

in Checking Accounts from Bank of the West · Member FDIC

Net Recommendation Score -25%

0 users recommend

3 users are unsure

1 user doesn't recommend

Browse Reviews: 0 Recommendations | 1 Complaints

Highlights
Community Rating	Rating not yet determined
Monthly Fee	$0 - $10
ATM Fee: Out-of-Network	$2.50
Minimum Balance to Avoid Monthly Fee	$1
APY (Annual Percentage Yield)	0%

Bank of the West Any Deposit Checking Review

Bank of the West Any Deposit Checking is offered by Bank of the West, a bank founded in 1874 and based in San Francisco, CA. Bank of the West Any Deposit Checking is available in 19 states across the USA.

Key Takeaways

0% APY. As with most checking accounts, Bank of the West Any Deposit Checking does not pay interest.
Charges a monthly fee. This account charges a monthly maintenance fee of up to $10, but the fee is waived if you keep a minimum balance of $1 or have a monthly direct deposit of $10.
Small minimum initial deposit. You only need $1 to open an account.
Free bill pay. Pay your bills to practically anyone in the United States through Bank of the West.
Hard credit pull. Bank of the West may require a hard pull on your credit report to open a checking account.

Bank of the West Any Deposit Checking Pros & Cons

Pros	Cons
Access to physical branches. Free debit card and the option to lock/unlock the card if lost or stolen	No signup bonus. Does not earn interest Does not provide access to a nationwide ATM network. Only available in 19 states. Higher than average wire transfer fees. Monthly service charge (if minimums are not met). Charges a higher than average fee on out-of-network ATM transactions.

Bank of the West Any Deposit Checking FAQ

Are checking accounts from Bank of the West federally insured?

Yes, your Bank of the West checking accounts are insured up to $250,000 per person by the Federal Deposit Insurance Corporation (FDIC). The FDIC is an independent agency of the United States government that protects you against the loss of your insured deposits if an FDIC-insured bank or savings association fails. FDIC insurance is backed by the full faith and credit of the United States government.

What APY does Bank of the West Any Deposit Checking offer?

Bank of the West Any Deposit Checking is not an interest-bearing account.

What are the account minimums for Bank of the West Any Deposit Checking?

Bank of the West Any Deposit Checking requires a minimum initial deposit of $1 to open an account.

Bank of the West Any Deposit Checking Account Minimums
Description	Amount
Minimum Initial Deposit	$1
Minimum Direct Deposit to Avoid Monthly Fee	$10
Minimum Balance to Avoid Monthly Fee	$1

What fees does Bank of the West Any Deposit Checking charge?

This account charges a monthly maintenance fee of up to $10.

Bank of the West Any Deposit Checking Fees
Description
Monthly Fee	$0 - $10
Paper Statement Fee	$3
ATM Fee: In-Network	$0
ATM Fee: Out-of-Network	$2.50
NSF Fee	$35
Overdraft Protection Fee (per transfer)	$12
Overdraft Item Fee	$35
Early Account Closure	$0
Returned Deposit Fee (Domestic)	$15
Debit Card Replacement Fee	$5
Bank Teller Fee	N/A
Check Cashing Fee	$7.50
Online Bill Pay Fee	$0
Stop Payment Fee	$35
Check Image Service	$3
Check Copy	N/A
Foreign Transaction Fee (Debit Card)	3%
Wire Transfer Fee - Domestic (Outgoing)	$35
Wire Transfer Fee - International (Outgoing)	$50
Wire Transfer Fee - International (Incoming)	$15
Returned Deposit Fee (International)	$15
Wire Transfer Fee - Domestic (Incoming)	$15
ATM Reimbursement Monthly Limit	N/A

What features and perks does Bank of the West Any Deposit Checking offer?

This account includes the following features:

Check images with statement - Reconciling your accounts and complying with document retention standards is easier when you have access to a copy of your checks.
Fraud monitoring - Bank of the West Any Deposit Checking monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
Mobile Banking Services - Bank of the West Any Deposit Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.

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