Bank of the West Any Deposit Checking review + fees 2019 |

We value our editorial independence, basing our comparison results, content and reviews on objective analysis without bias. But we may receive compensation when you click links on our site. Learn more about how we make money from our partners.

Bank of the West Any Deposit Checking account review

Last updated:  

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




Minimum deposit to open


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
ATMsOver 750 ATMs
ATM transaction fee$0
Out-of-network ATM fee$2.50
Foreign transaction fee3%
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

Name Product APY ATMs Fee
Free to use anywhere worldwide
(can be waived)
Get a $750 welcome bonus when you join Sapphire Banking by September 28, 2019. Within 45 days of joining, transfer a total of $75,000 or more in qualifying new money or securities to a combination of eligible checking, savings and/or investment accounts (excludes any J.P. Morgan retirement accounts and CDs), and maintain the balance for at least 90 days.
Access to 16,000 ATMs and nearly 5,000 branches nationwide
(can be waived)
Get a $200 bonus when you open a new Chase Total Checking account and set up direct deposit within 60 days of opening your account. Chase's simplest checking account is easy to use and gives you access to 16,000 ATMs and nearly 5,000 branches.
No ATM fees nationwide at more than 64,000 AllPoint, participating 7-Eleven and BBVA USA ATMs
A full-service account with convenient, surcharge-free access to two massive ATM networks.
38,000 fee-free ATMs nationwide
Linked checking and savings accounts from a mobile-first bank that’s light on fees.
1.25% on balances of $0+ with $1,000+ in direct deposits, 10 $3+ debit card transactions and 5 additional account transactions per month
ATM fees reimbursed at any ATM nationwide
Earn up to 1.25% APY while enjoying a suite of digital tools for smarter money management.
2.00% on balances of $10,000+ or deposit $1+ each calendar month into any Aspiration cash management or investment account
Free to use anywhere worldwide
A spend and save combo account with no monthly service fees, free access to every ATM in the world, unlimited cash back rewards and deposits insured by the FDIC. The Aspiration Spend & Save Account is a cash management account offering of Aspiration Financial, LLC, an SEC-registered broker-dealer. Aspiration is not a chartered bank.

Compare up to 4 providers

How do I apply?

You can open an Any Deposit Checking account like this:

  1. Visit the Bank of the West website and click Banking.
  2. Click Checking Accounts.
  3. Scroll down to Any Deposit Checking and click Apply Now.
  4. Enter your ZIP code, then click Get Started.
  5. Enter your personal information and click Continue.
  6. Enter your employment information and any other details, then click Continue.
  7. Verify your information, fund your account and submit your application.


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:


  • At a branch or ATM
  • Online or wire transfer
  • Via direct deposit
  • Mobile check deposit
  • By mail


  • 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.

Frequently asked questions

Ask an expert

You are about to post a question on

  • Do not enter personal information (eg. surname, phone number, bank details) as your question will be made public
  • is a financial comparison and information service, not a bank or product provider
  • We cannot provide you with personal advice or recommendations
  • Your answer might already be waiting – check previous questions below to see if yours has already been asked

Finder only provides general advice and factual information, so consider your own circumstances, or seek advice before you decide to act on our content. By submitting a question, you're accepting our Terms of Use and Privacy and Cookies Policy.
Go to site