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finder.com’s rating: 3.0 / 5.0
★★★★★
This account features a suite of perks like free ATM withdrawals anywhere in the world and access to CDs, money market accounts and personal loans. But the highest APY is 0.01%, and if you can’t maintain a $25,000 balance, you’ll pay $25 a month.
$25 per month
Fee
0.01%
APY
$0.10
Minimum deposit to open
APY | 0.01% |
---|---|
Fee | $25 per month |
To waive the fee | Maintain a $25,000 combined average monthly balance |
Minimum deposit to open | $0.10 |
ATMs | 750 Bank of the West ATMs |
ATM transaction fee | $0 |
ATM fee rebates | Bank of the West refunds fees charged by other banks within one business day. |
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.
This interest-bearing account comes with a 3% cashback Mastercard and a few other attractive perks. However, if you’re looking for a high APY or would have trouble maintaining a $25,000 balance, it may not be the best account for you.
You can open this account by phone, at a branch or online:
To open a Premier Checking account, you’ll need to meet a few eligibility requirements:
During your application, you’ll be asked to provide the following information:
Issued by the FDIC-insured Bank of the West, your money will be kept safe while you take advantage of this account’s perks:
Its Mastercard is accepted almost anywhere and cardholders have access to 750 Bank of the West ATMs. But with the premier checking account, you won’t be charged fees for using US ATMs outside the network — and Bank of the West refunds fees charged by other banks within one business day.
Keep an eye out for these potential pitfalls:
For even more options with potentially even better rates and lower monthly fees, use our guide to checking accounts to see what else is out there.
This account comes with a dedicated customer service line:
Now that your account is set up, here’s how you can access your money:
Bank of the West only offers one other checking account:
★★★★★ — 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.