Welcome to Bank of the West!

 

Bank of the West Google Play App Icon

Bank of the West
Free in Google Play

Download

Bank of the West Google Play App Icon

Bank of the West
Free in Google Play

Download

Bank of the West Apple Store App Icon

Bank of the West
Free in the App Store

Download

Bank of the West Apple Store App Icon

Bank of the West
Free in the App Store

Download

Online Banking

Log In

Error, press "Login" to continue.

Log In

Error, press "Login" to continue.

Log In

Overdraft Privilege

Having a check returned due to insufficient funds can be embarrassing and costly and we offer options to avoid that situation. Bank of the West offers Overdraft Privilege for customers with proven positive account history up to $2,500.00 on business accounts.

 

How does Overdraft Privilege work?

Overdraft Privilege will automatically be added to accounts in good standing 30 days after account opening. It will be activated upon presentation of a transaction that is in excess to your current balance, but not to exceed the allowed overdraft limit.

What is an account in good standing?

To be eligible for this Overdraft Privilege after thirty (30) days of the account opening date, the account must be in good standing which includes the following:

  •  At a minimum, two deposits (or 1 direct deposit) credited to the account
  • Maintain a positive balance
  • No returned items due to an insufficient balance
  • You or your account are not the subject of any legal or administrative order or levy
  • You are not involved in an active bankruptcy proceeding
  • There is no apparent illegal or abusive activity on the account
  • You have no delinquent loan(s) with us
  • You currently have no other deposit accounts with us that have Overdraft Privilege 

What is your Overdraft Privilege limit?

The Overdraft Privilege limit on personal accounts is $2,500 and is available to accounts in good standing.

What is the cost of Overdraft Privilege?

There is no cost for Overdraft Privilege unless you use it.  If your balance isn’t sufficient to cover a presented debit then you will be charged an overdraft fee of $35.00 for each item paid into the overdraft, within the Overdraft Privilege limit.

What are the terms of Overdraft Privilege?

You are expected to repay the overdraft amount, plus any fees. You must bring your account completely current and to a positive balance within 30 days of the date first overdrawn for this instance. If the account is not handled satisfactorily then the Overdraft Privilege feature will be removed from the account. If the account is not paid in full after 45 days then the account will be considered a collection account and appropriate action will be taken.

 

 

Personalization Settings

x

Welcome

Bank of the West would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to any other source.

Please do not remind again

Weather

Grapevine, Texas
51° F
11° C
Clear
N at 2 mph
0 mm
44%
16 km
1026 mmHg
0%
Monday
58°
14°
47°
Sunny
NNE at 15 mph
Tuesday
67°
19°
45°
Sunny
S at 12 mph
Wednesday
68°
20°
53°
12°
Partly Cloudy
SSW at 14 mph
Thursday
76°
24°
58°
14°
Patchy rain nearby
SSE at 15 mph
Friday
71°
22°
56°
13°
Cloudy
NE at 11 mph
Change Location

Education Center

Newsletter

Resources

Close Questions overlay

How can we help you?

Want to talk to someone right now?

Planning to come visit?

Helpful Quicklinks

Send us an email.