Checking Account Comparison Table
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Accounts
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Star Checking
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Individual Checking
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Honors Checking (age 55+)
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Interest Checking
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Minimum Amount to Open
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$100
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$100
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$100
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$500
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Minimum Balance Required to avoid service charge
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n/a
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$750
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$100
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$1,000
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Monthly Service Charge
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n/a
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$10
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$10
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$10
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Unlimited Number of Withdrawals
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√
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√
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√
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√
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Interest Bearing
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-
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-
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-
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√
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Free Checks
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first 50 checks
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n/a
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one free box/yr
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√
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Overdraft Protection *
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√
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√
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√
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√
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Debit Card
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√
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√
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√
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√
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e-statements required
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√
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-
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-
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-
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Perks
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-
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-
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√ **
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-
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* with approved credit history
** Honors Checking: no fee on Cashier's Checks and the $15 Safe Deposit Box set-up fee is waived for one new safe deposit box (availability varies-call your local branch).
Star Checking
$100 to open this account. No minimum balance required and no monthly service charge with enrollment in e-statements. The monthly e-statement will provide posted checks listed in numerical order and will reflect the date paid and dollar amount of the checks. Initial order of 50 duplicate checks free (limit one box). Unlimited number of withdrawals, and ATM usage.
Individual Checking
$100 to open this account. If the account balance drops below $750 anytime during the month, a monthly service charge of $10 will be charged. This account also allows an unlimited number of withdrawals, and ATM usage.
Honors Checking (55 & greater)
$100 to open this account. If the account balance drops below $100 anytime during the month, a monthly service charge of $10 will be charged. This account includes: one (1) free check order per year, no fee on cashier's checks, and the $15 Safe Deposit Box set-up fee is waived on one safe deposit box. Unlimited number of withdrawals, and ATM usage.
Interest Checking
$500 to open this account. If the account balance drops below $1,000 anytime during the month, a monthly service charge of $10 will be charged. This account includes unlimited number of withdrawals, and ATM usage.
Savings Account
$500 to open this account. If the account balance drops below $500 anytime during the month, a quarterly service charge of $5 will be charged. Three (3) withdrawals allowed per quarter. Additional withdrawals are $1.00 each.
Individual Wagon Wheel Money Market Account
$2,500 to open this account. If the account balance drops below $2,500 anytime during the month, a monthly service charge of $15 will be charged. Six (6) preauthorized withdrawals, automatic or telephonic transfers, checks, drafts, or other similar transactions per statement cycle. Additional withdrawals are $15 each.
CDARS
With CDARs, you can access FDIC protection on multi-million dollar CD Investments through Bank of the West, CDARS can be a valuable cash management or longer-term investment tool for you.1
Learn More About CDARS
1 Funds may be submitted for placement only after a depositor enters in the CDARS Deposit Placement Agreement with Bank of the West. The agreement contains important information and conditions regarding the placement of funds by the bank.
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