Bank Of The West Bonus: $250 Checking Offer

• Get $250 when you open an Any Deposit Checking account either online (promo code automatically applied) or in-branch, AND
• Make direct deposits of at least $1,000 per month, three months in a row.

$10.00 monthly service charge waived with one deposit of any amount each statement cycle. Deposits include direct deposit, mobile deposit, ATM deposit, or in-branch deposit of any amount. Does not include fund transfers between Bank of the West accounts or any credits from Bank of the West. Opening deposit can be any amount ($0.01 or more). No monthly service charge if any account owner is under 25 years of age.

• Apply for a new, qualifying consumer checking account with a promotion code during the qualification period (see the offer).
• Account must be opened online at www.bankofthewest.com/checkingbonus or in a branch.
• Qualifying checking accounts are consumer checking accounts, excluding UCB Student Checking and Bank of the West Premier Checking accounts.
• The minimum opening deposit for other checking accounts eligible for the checking bonus is $100.
• Customer must make qualifying direct deposits totaling $1,000 or more, monthly for three consecutive calendar months to the new checking account.
• One or more separate direct deposits in a single calendar month that add up to $1,000 qualify.
• Fulfillment of the offer requirements is based on calendar months which may not coincide with statement cycles. For example: if the checking account is opened in August, then sequential direct deposits made in August, September and October; or September, October and November; or October, November and December or November, December and January would each qualify.
• A qualifying direct deposit must be payroll, Social Security, pension or other government benefits.
• Non-qualifying direct deposits include transfers from Bank of the West or Bank of the West affiliate accounts, credits from Bank of the West, ACH bank-to-bank transfers, person-to-person transfers using a mobile payments service such as Zelle®, or deposits made at a branch or ATM.
• Qualifying direct deposits must be funds new to the Bank.
• Only one new checking bonus can be applied to a checking account.
• Only one individual per residential address is eligible for this bonus offer.
• Promotion code required at account opening.
• Offer does not apply to second or multiple checking accounts.
• Bank will classify the bonus as interest paid to the checking account.
• Any applicable taxes associated with the bonus are the responsibility of the account holder.
• To the extent required by law, Bank will report the total value of this bonus to the IRS on Form 1099 for tax year 2022.
• New money does not include fund transfers between Bank of the West or Bank of the West affiliate accounts or any credits that may be applied from Bank of the West or any Bank of the West affiliate.

• Earn $500 by opening a Premier Checking account and deposit $25,000 and maintain a $25,000 average monthly balance for three full calendar months.
• Earn an additional $100 by opening a Choice Money Market Savings account with a minimum of $10,000 in funds new to Bank of the West and maintain a $10,000 average monthly balance for three full calendar months.

Bank of the West Premier Checking Monthly Service Charge:

There is a Monthly Service Charge of $25 for the Bank of the West Premier Checking account. They will waive the Monthly Service Charge for the first two statement cycles on the new account. The Monthly Service Charge can be waived with a $25,000 average monthly combined balance in eligible accounts. Eligible accounts include personal checking accounts, savings accounts, money market accounts, CDs, and IRAs and certain BancWest Investment Services (BWIS) investment accounts.

Bank of the West Choice Money Market Savings Monthly Service Charge:

There is a Monthly Service Charge of $15 for the Bank of the West Choice Money Market Savings account. The Monthly Service Charge can be waived by completing the following:

• Maintain a Bank of the West Premier Checking account with identical ownership to your Bank of the West Choice Money Market Savings OR
• Maintain an average monthly balance of at least $5,000 in the Choice Money Market Savings account OR
• Use Auto-Save to set up a recurring monthly transfer of $75 or more from any Bank of the West personal checking account to your Choice Money Market Savings account

Bank of the West Premier Checking:

• Apply for a new personal Bank of the West Premier Checking account through BankoftheWest.com/premier600 or at a Bank of the West (Bank) branch.
  AND
• Make a minimum of $25,000 or more in total deposits in the Bank of the West Premier Checking account by the last day of the month of account opening and maintain an average monthly account balance of at least $25,000 for 3 full calendar months immediately following the month of account opening. Please note that the average monthly balance indicated on your account statement is based on a statement cycle that may not be a calendar month.
• Bank of the West Premier Checking Account must be in open status and have a positive balance (greater than $0 balance) to be eligible to receive the bonus.
• Bonus will be credited to the new, open Bank of the West Premier Checking account.
• BWIS Investment Accounts, IRA CDs, Investment IRAs and business accounts are not eligible for combining balances to receive the bonus.
• Businesses and public funds are not eligible for this offer.
• Bank will classify the bonus ($500 or $600 whichever applies) as interest paid to the Bank of the West Premier Checking account.
• Any applicable taxes associated with the bonus are the responsibility of the Bank of the West Premier Checking account holder.
• To the extent required by law, Bank of the West will report total value of this bonus to the IRS on Form 1099-INT for the applicable year in which the bonus was paid.

Bank of the West Choice Money Market Savings:

• Apply for a new personal Bank of the West Premier Checking account and meet all eligibility requirements indicated above to receive the $500 bonus and apply for a new Choice Money Market Savings account with identical ownership to your Bank of the West Premier Checking account.
• Open a Choice Money Market Savings account with a minimum opening deposit of $10,000 or more in funds new to Bank of the West. The minimum deposit of $10,000 needs to be in the Choice Money Market Savings account by the last day of the account opening month and maintain an average monthly balance of at least $10,000 for 3 full calendar months after the month of account opening to receive an additional $100 bonus.
• You can apply for the new Premier Checking account and the new Choice Money Market Savings account in two ways: 1) through BankoftheWest.com/premier600 or 2) at a Bank of the West (Bank) branch.
• The Premier Checking account and Choice Money Market Savings account must be in open status and have a positive balance (greater than $0 balance) to be eligible to receive the bonuses.
• Bonus will be credited to the new, open Bank of the West Premier Checking account.
• If you open a new Premier Checking account online and later decide to open a Choice Money Market Savings account to receive the additional $100 bonus, then you must open the Choice Money Market Savings account in a branch using the promotion code provided.
• This offer does not apply to second or multiple Choice Money Market Savings accounts.
• If for whatever reason the Premier Checking account is ineligible for the $500 bonus, the Choice Money Market Savings account automatically becomes ineligible for the $100 bonus.
• Businesses and public funds are not eligible for this offer.

Open Any Deposit Checking for Business account and earn a $25 bonus each month you make any deposit for up to six months.

The Any Deposit Checking for Business account has a $10 monthly fee that is waived as long as you make any deposit within that calendar month. Note, to earn the bonus, you also have to make any deposit for that month.

• $100 minimum opening deposit required between September 1, 2020 and September ​30, 2020 and make any deposit within the same calendar month in which the account was opened.
• $25 bonus will be credited to the account by the end of the month immediately following the calendar month in which the account was opened.
• If customer does not make the first deposit in the same calendar month in which the account was opened, the customer will not be eligible for the initial $25 bonus or any of the additional $25 bonuses.
• Requirements to receive up to five (5) additional $25 bonuses: Make any qualifying deposit into the Any Deposit Checking for Business account in each of the five (5) consecutive calendar months immediately following the month of account opening.
• For each of the five (5) consecutive months that a deposit is made, a $25 bonus will be credited to the account by the end of the month immediately following the calendar month that the deposit was made.
• NOTE: Bonuses earned from qualifying deposits made in November will be paid out in January.
• If a deposit is not made in any one of the subsequent five (5) calendar months following the month in which the account was opened, the customer will not be eligible for the $25 for the month that the deposit was missed AND they will not be eligible for any additional $25 monthly bonuses after that missed month.
• Bonus Limitations: Offer not available to existing Bank of the West customers with an open business checking account as of August 31, 2020.
• If the customer received or may receive any other business checking bonus from Bank of the West between September 28, 2018 and September 30, 2020, then the customer is not eligible for this bonus offer.
• Limit one (1) business checking bonus per customer.
• Account must be in open status with a balance greater than $0 at the end of each calendar month of the six-month period to qualify for any bonuses.
• Offer dates, terms, and conditions subject to change without notice. Bank will classify bonus as interest paid to the checking account.
• Any applicable taxes associated with this offer are the responsibility of the account holder.
• To the extent required by law, Bank will report value of each monthly bonus to the IRS on form 1099 for the applicable year in which the bonus was paid.
• All accounts are subject to Bank’s standard terms and conditions and Schedule of Fees and Charges. Maximum of six (6) $25 bonuses for a maximum total bonus of $150.
• Qualifying deposit for receiving bonus may be for any amount and includes direct deposit, mobile deposit, ATM deposit, or in-branch deposit (but does not include fund transfers between Bank of the West accounts or any credit from Bank of the West).

• To receive the $300 business checking bonus:
  1. Open a single new Classic Business Checking account or Choice Business Checking account with a minimum opening deposit of $100 in new money to Bank of the West AND
  2. have a minimum balance of $3,000.00 in the account on the last business day of each of the two full calendar months immediately following the month in which the account was opened (business days include Monday through Friday, and exclude holidays), AND
  3. conduct 10 qualifying transactions, all of which must post to the account by the last business day of the second full calendar month immediately following the month in which the account was opened.

• Classic Business Checking
  • Up to $2,500 coin and currency deposited/furnished per month
  • 100 transactions per statement cycle
  • Online statements with images of the checks you deposit
  • Business Debit Card
  • Online tools to collect and make payments, manage cash flow, track expenses and more
• Choice Business Checking
  • Up to $10,000 coin and currency deposited/furnished per month
  • Unlimited transactions per statement cycle
  • $100 rebate on your first  check order
  • Bonus rates on a linked Business Money Market Select account
  • Online statements with images of the checks you deposit
  • Online tools to collect and make payments, manage cash flow, track expenses, and more

• Classic Business Checking
  • Monthly service charge waived for the first two statement cycles.
  • After the first two statement cycles, there are two ways to get a rebate of the $10 monthly service charge:
    • Maintain a minimum daily balance of at least $3,000, OR
    • Maintain an average monthly combined balance of $6,000 in linked business Money Market, Savings, or CD accounts
• Choice Business Checking
  • Monthly service charge waived for the first two statement cycles.
  • $20 monthly service charge will be rebated if you maintain:
    • A minimum daily balance of at least $6,000
    • An average monthly combined balance of $15,000 in linked business money market, savings or CD accounts
  • $20 monthly service charge will be rebated by taking advantage of at least three of the following Relationship Services:
    • Merchant Services
    • Business Credit Card
    • Electronic Deposit Service
    • Payroll Services

• Qualifying transactions include most deposits (ATM, wire, mobile, teller/in-branch, ACH, direct deposit, and Electronic Deposit Services), most withdrawals (debit card, bill pay, wire, and ACH), and exclude any transfers between Bank of the West accounts or any Bank of the West credits or debits.
• Account must be in open status to be eligible to receive any bonus.
• Offer end date and availability subject to change without prior notice.