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 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
** Perks: up to 3 fee-free Cashier's Checks per year and the $15 Safe Deposit Box set-up fee and first year’s annual box rent is waived.
Star Checking
$100 to open this account. No minimum balance required and no monthly service charge. Statements are provided by e-statement only. The statement will have checks listed in numerical order and will show the date paid and dollar amount. Initial order of 50 duplicate checks free (limit one box). Unlimited withdrawals and 24 hour ATM.
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 features 24 hour ATM access and unlimited withdrawals.
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 features 24 hour ATM access. This account includes: one (1) free check order per year, 3 fee-free cashier's checks per year, and the $15 Safe Deposit Box set-up fee and first year’s annual box rent is waived. Also allows unlimited withdrawals.
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 withdrawals and 24 hour ATM access.
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 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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