Products and Services

**Personal banking for all your needs**
Explore a wide range of checking, savings, loan, mortgage and retirement products - with many free services including online banking and our award-winning customer service.
Checking Accounts

* Free Online Banking with free bill pay*
* Free debit card
* Overdraft protection (subject to approval)
* Online statements
* Check safekeeping
* Direct deposits

**Savings Accounts & CDs**
* Low opening balance option
* Unlimited deposits and withdrawals at a branch or Bank of the West ATM
* Automatic recurring deposits available on savings accounts
* Higher yield CDs
* Variety of terms and CD options
* Direct deposits

**Other personal banking products & services**
* Credit Cards
* Individual Retirement Accounts (IRAs)
* Consumer Loans and Lines
* Private Banking
* Pacific Rim Banking
* Financial Calculators
* Wealth Management & Trust
* Insurance
* Investment Services

**Business Banking products that meet the needs of your business, employees and customers.**
* Cash management services
* Investment options
* Equipment financing
* Construction lending
* Real estate loans
* Lines of credit
Securities, Investments and Insurance products are: NOT FDIC INSURED~NO BANK GUARANTEE~MAY LOSE VALUE~NOT A DEPOSIT~NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY

*If Online Banking is accessed through Quicken®, Microsoft® Money, Quickbooks®, or any personal management software, the standard monthly Online Banking bill pay service charges will apply.

About Bank of the West

**Personal, Small Business, and Commercial Banking...**

Bank of the West is a full-service financial institution with a strong focus on sound, prudent banking practices and award-winning customer service. With more than $60 billion in assets, we've been providing superior customer service since 1874. Currently, Bank of the West operates more than 700 branch banking and commercial office locations in 19 Western and Midwestern states and is the third-largest Western-based commercial bank in the U.S. We maintain a local, branch-focused strategy to ensure outstanding customer service.