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  Bank of the West Any Deposit Checking

Bank of the West Any Deposit Checking

in Checking Accounts from Bank of the West · fdic

Unaffiliated

Bank of the West Any Deposit Checking

Unaffiliated

in Checking Accounts from Bank of the West · Member FDIC

Net Recommendation Score -25

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -25, equating to 2.5 on a 5 point rating scale.

-25

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

0 users recommend
3 users are unsure
1 user doesn't recommend
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Highlights
Community Rating

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Monthly Fee $0 - $10
ATM Fee: Out-of-Network $2.50
Minimum Balance to Avoid Monthly Fee N/A
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 service fee of up to $10.
  • Small minimum initial deposit. You only need $1 to open an 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.
  • 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 Opening Deposit $1

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

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

Bank of the West Any Deposit Checking Fees
Description
ATM Fee: In-Network $0
Check Cashing Fee $9.50
Check Copy $10
Check Image Service $3
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $10
NSF Fee $35
Online Bill Pay Fee $10.95
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $12
Paper Statement Fee $3
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $35
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $2.50

Does Bank of the West Any Deposit checking charge overdraft fees?

Yes, Bank of the West Any Deposit checking charges a $35 fee for every overdraft.

Bank of the West Any Deposit checking offers overdraft protection at a cost of $12 per transaction.

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 unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Mobile Banking Services - Bank of the West Any Deposit checking allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

How do people rate the customer service and user experience of Bank of the West Any Deposit checking?

Overall, Bank of the West Any Deposit checking is mostly not recommended based on community reviews that rate customer service and user experience.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Availability

  Available in 19 states
  • Arizona
  • California
  • Colorado
  • Iowa
  • Idaho
  • Kansas
  • Minnesota
  • Missouri
  • North Dakota
  • Nebraska
  • New Mexico
  • Nevada
  • Oklahoma
  • Oregon
  • South Dakota
  • Utah
  • Washington
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $1
ATM Fee: In-Network $0
Check Cashing Fee $9.50
Check Copy $10
Check Image Service $3
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 3%
Monthly Fee $0 - $10
NSF Fee $35
Online Bill Pay Fee $10.95
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $12
Paper Statement Fee $3
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $15
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $15
Wire Transfer Fee - Domestic (Outgoing) $35
Wire Transfer Fee - International (Incoming) $15
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $2.50
Account Features
  • Mobile Check Deposit
  • Check Images with Statement
  • Mobile Banking
  • Fraud Monitoring
  • Debit Card Lock/Unlock
  • IRAs
  • Debit Card
  • Bauer Financial A+/A Rating
  • Branch Access
  • Member FDIC

Bank of the West Any Deposit Checking Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of -25, equating to 2.5 on a 5 point rating scale.

-25

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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