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finder.com’s rating: 3.0 / 5.0
★★★★★
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
Fee
N/A
APY
$0
Minimum deposit to open
APY | N/A |
---|---|
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 | $3 |
Foreign transaction fee | 3% |
Overdraft fee | $35 |
Review by
Peter Carleton is a writer that covers banking and investing, breaking down what you need to know about where you put your money. When Peter's not thinking about cutting-edge banking apps and robo-advisors, he runs a creative agency and spends his spare time cooking or reading.
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. It’s a fairly bare-bones account, but it doesn’t require a minimum balance to open and has a small amount of overdraft protection. You may be able to get more features from another provider, especially if you’re willing to pay a monthly service fee.
You can open an Any Deposit Checking account like this:
Regardless of how you choose to open this account, you’ll need to meet a few eligibility requirements:
Here are the personal details you’ll need to provide when you open an 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:
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:
This simple checking account has easily avoidable monthly fees and convenient access, but there are still a few other things to watch out for:
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.
If you need to speak to customer service, there are a couple ways you can get in touch with a representative:
Once your account is set up, there are numerous ways you can deposit and withdraw money:
Bank of the West has one other checking account available:
★★★★★ — Excellent
★★★★★ — Good
★★★★★ — Average
★★★★★ — Subpar
★★★★★ — Poor
We analyze top checking accounts and rate them one to five stars based on factors that are most important to you. These factors include: monthly fees, the ease at which monthly fees can be waived, the breadth of ATM access, ATM and overdraft fees, and customer service.