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Bank of the West Any Deposit Checking account review
A simple checking account with two ways to avoid the monthly fee.
This simple checking account offers a $5 overdraft buffer and one waived overdraft each year. But, the account costs $10 a month if you are over 25 years old or miss making a monthly deposit. And it only services select Western and Midwestern states.
$10 per month
Monthly fee
0%
APY
$0
Minimum deposit to open
Details
| Monthly fee | $10 per month |
|---|---|
| To waive the fee | · Deposit any amount each statement cycle · OR have an account owner who is under age 25 |
| Minimum deposit to open | $0 |
| ATMs | Over 750 ATMs |
| ATM transaction fee | $0 |
| Out-of-network ATM fee | $2.50 |
| Foreign transaction fee | 3% |
| Overdraft fee | $35 |
What are the benefits of the Any Deposit Checking account?
The Any Deposit Checking account issued by Bank of the West is FDIC-insured to keep your money safe and it offers a handful of other benefits:
- Overdraft protection. You’re covered if you overdraw your account by less than $5 — and it waives one overdraft charge each year.
- No balance requirements. There’s no minimum to open or maintain this account.
- Avoidable monthly fee. Bank of the West offers two ways to avoid the monthly fee.
Bank of the West ATM network and fees
This account comes with a Bank of the West Mastercard debit card, which allows you to make purchases almost anywhere. Plus, you’ll get fee-free access to Bank of the West’s network of over 750 ATMs. However, if you use an out-of-network ATM, you’re charged the following fees:
- Domestic ATMs: $2.50 plus any charges from the ATM owner.
- International ATMs: 3% of transaction amount
What should I look out for?
This simple checking account has easily avoidable monthly fees and convenient access, but there are still a few other things to watch out for:
- Monthly service fee. If you fail to meet one of the fee waiver conditions, you’ll be on the hook for a $10 monthly fee.
- High fees. Even if you can avoid the monthly fee, there are high service fees like a $3 paper statement fee, $15 incoming wire fee and $15 returned item fee.
- No interest. Unlike some other checking accounts, you earn zero interest on your balance.
- Limited ATM access. Bank of the West only has 750 ATMs, so you could end up frequently paying for out-of-network ATM fees.
- Limited availability. Accounts are only available to residents of:
- Arizona
- California
- Colorado
- Idaho
- Iowa
- Kansas
- Minnesota
- Montana
- Nebraska
- Nevada
- New Mexico
- North Dakota
- Oklahoma
- Oregon
- South Dakota
- Utah
- Washington
- Wisconsin
- Wyoming
Compare with other checking accounts
How do I apply?
You can open an Any Deposit Checking account like this:
- Visit the Bank of the West website and click Banking.
- Click Checking Accounts.
- Scroll down to Any Deposit Checking and click Apply Now.
- Enter your ZIP code, then click Get Started.
- Enter your personal information and click Continue.
- Enter your employment information and any other details, then click Continue.
- Verify your information, fund your account and submit your application.
Eligibility
Regardless of how you choose to open this account, you’ll need to meet a few eligibility requirements:
- Be at least 18 years old if you’re applying online
- Live in one of the 19 states Bank of the West operates in
- Be a US citizen
- Possess a Social Security or tax ID number
- Have state-issued ID
Required information
Here are the personal details you’ll need to provide when you open an account:
- Name
- Date of birth
- Address
- Government-issued ID number
- Social Security or tax ID number
- Employment information
How can I get in touch with customer service?
If you need to speak to customer service, there are a couple ways you can get in touch with a representative:
- Online: Use the live chat option on the website
- By phone: 800-488-2265 Monday to Friday 4 a.m. to 10 p.m., Saturday and Sunday 5 a.m. to 10 p.m. PT.
How do I deposit or withdraw money?
Once your account is set up, there are numerous ways you can deposit and withdraw money:
Deposits:
- At a branch or ATM
- Online or wire transfer
- Via direct deposit
- Mobile check deposit
- By mail
Withdrawals:
- At a branch or ATM
- Online or wire transfer
- Bill pay
- Cashback at a retailer
What other checking options does Bank of the West offer?
Bank of the West has one other checking account available:
- Premier Checking account. This account pays interest, waives all out-of-network ATM fees and gives you access to better rates on other Bank of the West products, but has a $25 monthly fee.
Bottom line
The Any Deposit Checking account is good for those younger than 25 years old or if you can arrange monthly deposits to avoid the $10 fee every month. If you live outside its service area or want to look at other options, compare your options to find an account that meets your needs.