Bank of the West

National Bank, bankofthewest.com

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MyBankTracker rating based on the following criteria that includes customer reviews, financial health, bank fees and other key factors compared to the other banks.
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About the Bank

A regional bank headquartered in San Francisco, California, Bank of the West has expanded its presence across 23 states along the West Coast and throughout the Midwest. Altogether, the bank operates more than 600 locations, offering personal, commercial and business banking services.


Bank of the West takes a simplified approach to checking, with two accounts to choose from. Any Deposit Checking is a basic checking option that allows you to waive the monthly service fee when you make a single deposit each statement cycle. The service fee is automatically waived for customers under 25. Premier Checking is an upper-tier checking account designed for people who maintain a large balance. An average combined balance of $25,000 in your Bank of the West checking, savings and CD accounts is required to avoid the fee.


Both accounts feature benefits you won't always find at other banks. Overdraft Fee Eraser reverses one overdraft or returned item fee per year, at your request. You pay no overdraft charge if your overdrawn amount is $5 or less. You can link a Bank of the West savings, money market or line of credit account to your checking for additional overdraft protection. Any Deposit Checking customers enjoy discounts on Bank of the West loans with auto-payment. Premier Checking customers earn higher rates on select deposit accounts and are eligible for a waiver of administration fees on Bank of the West mortgage loans.


Savings options include Classic Savings and Choice Money Market Savings. The Classic Savings account is a traditional savings account that earns interest, with a low monthly fee. Waiving the fee is relatively easy; you can either meet the minimum daily balance requirement or schedule one auto-transfer per month of $25 or more from a linked Bank of the West checking account.


The Choice Money Market Savings account offers more competitive rates for Premier Checking customers. It's geared towards savers who keep $5,000 or more in their accounts. Both accounts charge no fees for deposits or withdrawals at Bank of the West branches or ATMs. CDs and IRA CDs are also available if you need a longer term savings option. The minimum deposit for IRA CDs is $100; for other CD options, it's $1,000 or $2,500, depending on the type of CD you're opening.


Both online and mobile banking services are offered so you can bank when you want, how you want. In terms of features, the mobile app has a few extras that online banking lacks, including Touch ID recognition, the ability to view electronic statements and Quick Balance, which allows you to check your balance without signing in to your account. You can also use the app for paying bills, making mobile check deposits, checking your investments with BancWest and sending person-to-person payments to almost anyone through Popmoney.


Bank of the West features award-winning customer service, which is available by phone seven days a week. Live chat is also available Monday through Friday for quick answers to all your banking questions.

Bank of the West Fees

  • National Average
  • Monthly Inactivity $0 $6
  • Non-Sufficient Fund (Overdraft) $35 $30
  • Stop Payment item $35 $27
  • Return Deposit $12 $13
  • Domestic Wire Transfer (Outbound) $20 $22
  • Domestic Wire Transfer (Inbound) $13 $10
  • Non-Bank ATM $2.50 $1

Locations & Hours

map of local branches and ATMs
Branches
561

We found bank branches & ATMs within miles of .

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Latest Customer Reviews

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  •  
    Reviewed By johnduggar Nov 7, 2017

    Electronic transfer.

    I purchased a travel trailer and ended up with a podunk bank to make the payments. I left the state I reside in, on a job, which is why I bought the trailer. I had my bank send a transfer for the first payment, before the stupid little book came in the mail. The transfer went to the main bank., now they can't find it. I sent them a copy of the transfer, that was not enough, I sent them a banking tracking which had the transfer # and the tracking #, the destination, account # and all information. Guess what they still can't find it. They want an account statement showing the money was deducted from my account, which they are not going to get because my REAL BANK will not issue because of privacy laws. I wish there was a zero rating. The people I talk to are nice, just stupid.

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  •  
    Reviewed By rocket Sep 24, 2017

    deplorable bank of the west

    I looked up Bank of the West recently for reviews, I found that 92% of responders (Consumer Affairs) give B of the W 1 star. If only zero were possible

    The manager of this branch (Los Altos, CA) fits right in to that picture. She is a dark angry deeply disturbed person.

    I was under pressure with one brother who 2 weeks before commited suicide. Another younger brother just recieved a diagnosis of an aggressive always lethal brain cancer. I dropped in to open a second account (been there 30 yrs). This woman thought she should force feed me a lecture about grieving for loved ones. Force feed. Not smart. I requested that we just attend to the banking. Wow was she angry. She fabricated some story about nefarious dealings on my part and entered them into B of the W records about me. I protested, B of the W never returned my call as promised 3 times. Managers have the power to cancel accounts, she did that adding to the stress and work already on my plate at a time of heartbreak and massive stress of one recently dead and another dying brother I was caring for.

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  •  
    Reviewed By Coast2coast Jun 25, 2017

    Welcome Home

    Being new to the area, it's been stressful trying to get all of my affairs in order - and dealing with banking situations is never the first thing I want to jump into. Nonetheless I was beyond pleased when I walked into the bank and was met with welcoming faces of tellers and manager alike. Furthermore, it was nice that the manager took the time to speak with me and get to know me before even having to walk up to the teller line. He came across as both technically knowledgeable and humbled. After I explained what I was looking for, we walked into his office and got everything set up quickly! I'm one large step closer to calling the area home!

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  •  
    Reviewed By CoriKennedy Apr 17, 2017

    Inconsistent on policies

    We will be pulling our accounts that we have had since 2003 due to differing policies each time we deposit.

    As with everything in Evergreen, customer service is mid to fair at best, policies are changing due to management revolving doors and the overall community satisfaction is low due their treatment of the working class.

    That being said, we will be moving our longstanding account down the street to 1st Bank (the only reason is my business account is there- not for any great love for them either) and I will spend a large inconvenient amount of time changing many direct withdrawals & deposits just for the principle of them changing a check depositing policy.

    If I can prevent one person from opening an account there or help to persuade someone who is in my situation to take the jump and move to another bank, then my job here is successful. I will not refer to them as my employees: "Bank of the Worst."

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  •  
    Reviewed By tbird Aug 25, 2016

    Just terrible

    I have a lease through Bank of West and they are the most difficult company/people to deal with. First off, to make a lease payment you have to call in and use one of the payment sheets from this little check book thingy that you get in the mail, do they know that there is this handy dandy thing called the internet??? When you call in and try to use their automated system to make payment you have to input your account #, which the system never recognizes. Then your transferred to an agent who is unpleasant at best but mostly downright rude. I have asked each agent, every month I make a payment, why the automated system doesn't recognize my account and they always have the same response; "I'm sorry, but I can help you make your payment". How about answering my question!?!?!
    Secondly...I recently moved to another state and need a power of attorney to register both of my vehicles as they are both leased. When I called on another vehicle, financed through a different bank, I told them that I have moved and that I need said power of attorney, their response..."no problem, we'll get that handled for you, would you like it mailed to your address or the DMV?"
    Next I had to call Bank of the West for the same power of attorney. The agent I got to acted like I was speaking Russian and basically had no idea what I was talking about. She then said I need to get a form from the DMV in my new state and fax it to them, WRONG! There is no form to fax to you!!!!
    I will never finance or lease anything that requires me to use this bank again in my life, they are absolutely the worst!!!! They don't even deserve the one star they got but I couldn't rate them a zero....

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  •  
    Reviewed By vtomkovicz Apr 18, 2016

    Lying cheating incompetent

    Have an auto loan that I spent four months trying to gey on automatic debit, they finally debited my checking account twice in the same month. Service center clerks in Omaha Nebraska are lying and incompetent. They cannot return the second debit in a timely manner. They play with your interest charged when you send in additional loan payments and you MUST watch each payment you make online to insure they do NOT charge you interest on payments made in advance rather than credit your loan in the full amount made as an additional payment. Basically it's a bank game to increase their income and stall with refunds rightfully due to the their customers. I'm sure FEDERAL REGULATORS will love the scenario once reported. There are no bank officers who will talk to you, just clerks who read from scripts and have no authority. Deal with another reputable bank unless you want ripped off......

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  •  
    Reviewed By Robyn Jan 21, 2014

    Fees!!!

    At my branch in Lake Tahoe the customer service has always been good, which was nice. I was relatively indifferent otherwise UNTIL they first changed my free checking account to an "easy checking" =more fees! That upset me. Then, I signed up for "debit card overdraft protection" which was vaguely described online and sounded like--overdraft protection. Which it is not! $175 in fees for 2 days of overdraft! My savings account was not touched at all...I called my local branch and talked with a representative who offered to talk to her manager about possibly reversing one of the fees for me. I am still closing both of my accounts and moving to a smaller, more local bank, and on principle would not recommend banking here.

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  •  
    Reviewed By Lyle D. Feb 20, 2013

    Horrible, They Disgust Me! They Do Not Care About The Customer At All!!

    My wife and i have been loyal customers with bank of the west for over 20 years, way back when it was still commercial federal. We had both personal and business accounts with them. When we had our business accounts with them, we ran $500,000 a year through there bank. But we recently had to close our business and our accounts. When we did this there was a line of credit that we still owed to them. It took "them" over 2 months to switch it from a line of credit to loan because the accounts where now closed.

    In the meantime there was a miss understanding of how much the payment was and when it would be due. I made a couple small payments to try to keep it current, well within 3 months and a miss understanding and $261 they closed the account and sent it to a collection agency, just within 3 months and i even made some payments. There is loyalty for ya! Thatâ?? S how you treat a customer that had all their banking business with you for many years, even before it was actually bank of the west and it was commercial federal. Bank of the west sucks! And i am closing and moving my accounts to another bank.

    I wonder how much money they made off us all these years and they are worried about a few bucks! Thatâ?? S the problem these days; itâ?? S all about the large corporation and the all mighty dollar, not customer service or customer care. Hopefully millions of people will read this before putting their hard earned savings and faith with these corporate money hungry $%&@#

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  •  
    Reviewed By bill Mar 21, 2013

    Use to be good, New management horrible customer service

    For 17 years a friend brought flowers from her garden to Bank of the West in Forestville. She made arrangements and gave beautiful bouquets to each teller. She did this at no charge and only to be nice. Forestville is a small town and she did this with all the businesses. She would come into the employee room with a bucket of flowers, separate them into individual vases and give them to each teller.
    New management took over a year ago, they hired a trainee, Joel, He had only been working at the bank for a short time. When he saw my friend with the flowers go into the employee room, He followed her in, demanded she leave immediately and never go into "his" employee room again. He was very rude, and unprofessional in his demeanor. Subsequently, Bank of the West now pays money to an outside flower vendor.
    My complaint, with this new trainee Joel is about my son. My son went to the bank to open an account. He had him put all his money in a long term cd (at extremely low interest) Now they want to charge him over $300. to take his money out. The trainee, did not explain other options such as a money market. Neither did he offer a short term cd. This trainee is incompetent, with extremely poor customer service. I have banked with Bank of the west for over 20 years and run approximately a million dollars per year through their bank. I am slowly removing all my accounts.

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  •  
    Reviewed By bbinns76 Dec 26, 2015

    Mortgage Loan through Montclair Branch in Oakland, CA

    I have had only one experience with Bank of the West and this experience involves attaining a mortgage loan through the Montclair Branch in Oakland, California. My overall experience was very poor with heavy emphasis toward the loan officer with this branch. I found the loan approval process to lack transparency, the loan officer to be incapable of providing any effective guidance throughout the process, and the bank as a whole unacceptable in its inability to communication information among all touch points in the loan application/approval process.

    In determining if a potential client qualifies for a particular mortgage loan, one would expect the bank to be able to communicate a strong estimate within a reasonable amount of time. In my experience with Bank of the West, it took over two months before the bank was able to provide any response to my application. A significant amount of money was spent during these two months to push the loan application forward (e.g. appraisal, inspection, etc...). The initial response I received from the bank, post two months, was an acceptance letter by mail. The property seller and I (the buyer) both made plans for next steps after receiving the approval letter. Two days later, I was then contacted by the loan officer, via my agent, that the loan was denied. In investigating what happened throughout the process and why the confounding results took place, the loan officer had absolutely no input. The loan officer showed no knowledge of the process, how to identify and resolve issues, nor what to expect in the outcome.

    I was strongly disappointed with my experience with Bank of the West (Montclair Office) and I strongly urge others to avoid this bank, this branch, and certainly the corresponding loan officer.

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  •  
    Reviewed By roland Apr 24, 2014

    I Love Bank of The West. Solid -- In Every Way!

    This is my favorite Bank period. At 64 yrs old I've had many relationships with about every bank you can think of and believe me, I know the differance. You will not be disappointed. In any area whatsoever -- in person or online.

    Your search for a solid bank is over.

    Roland Henderson
    Mortgage broker
    Hunt Beach Ca.

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  •  
    Reviewed By bdmi Jul 9, 2013

    horrible loan processing

    I try to refinance my house with BOW.Started in January and still not done.They being untruthful and irresponsible, and manager don't want to correct there mistakes.

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  •  
    Reviewed By dexlis Jun 15, 2016

    worst bank ever- Bank of the West

    This is the worst bank ever. I would give them zero 0's if I could. They have sent me 3 different debit cards over the past month. all different numbers. They cancel my card all the time for no reasons. They claim that they call me first. They have never called. They claim that it is illegal to call a cell phone only a land line. Who has a land line?. I spoke to my other bank and they say that it is not illegal. I have all of my payments set up on auto pay so they are bouncing all over the place. When you ask them, all they say is that all you need to do is call the 1 800 number. They do not care. Run from this one! it took me a year to switch everything over to this bank. Big regrets as I have to start all over and transfer everything out of Bank of the West

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  •  
    Reviewed By vtomkovicz Apr 18, 2016

    Lying cheating incompetent

    Have an auto loan that I spent four months trying to gey on automatic debit, they finally debited my checking account twice in the same month. Service center clerks in Omaha Nebraska are lying and incompetent. They cannot return the second debit in a timely manner. They play with your interest charged when you send in additional loan payments and you MUST watch each payment you make online to insure they do NOT charge you interest on payments made in advance rather than credit your loan in the full amount made as an additional payment. Basically it's a bank game to increase their income and stall with refunds rightfully due to the their customers. I'm sure FEDERAL REGULATORS will love the scenario once reported. There are no bank officers who will talk to you, just clerks who read from scripts and have no authority. Deal with another reputable bank unless you want ripped off......

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  •  
    Reviewed By Buckinghamjaclyn Feb 23, 2016

    Never Again

    I have had a loan out with Bank of the West for a couple years now for my car. I always make my payments on time (with autopay). Recently I had to change checking accounts due to fraud. I went online and after painstakingly being redirected from site to site to site I was finally able to log in and make my December payment with my new account number. Nowhere on the webpage does it state that adding your account online will not apply it to future payments. Fast forward two months and I get a call from collections saying (quite rudely) that my payments are past due. This was the first call I ever received from BOW and they talked to me like a criminal on the run. I try to explain the situation to the collections agent that I had actually added my payment account online and he informed me that in order to change autopays you have to MAIL IN a PAPER packet with a voided check. I'm sorry, but I thought this was 2016 and we had the internet now. Also, nowhere on the website does it say that adding your account online only works for one time payments. Here I am, a loyal customer who did what I thought I needed to do to make payments on time and now I take a hit on my credit and I'm stuck with late fees. I talked to customer service who was nicer than Steve the collections tyrant but she had no autonomy to make it up to me. I had to wait on hold for 15 minutes and go through 3 different departments before I could talk to anyone. You can't make any changes online (address, phone, etc) they practice archaic processes, and didn't even call my cell ONCE before sending me to collections and damaging my credit. Never again will I do business with these guys. It's too hard to be a good customer and I want to work with a company that has adapted to technology and actually rights its own wrongs. Take better care of your loyal clients who have many many banking options. Looking forward to refinancing with someone else.

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  •  
    Reviewed By lisa b. Dec 5, 2013

    Extremely Poor Customer Service and Allowing Fraudulent Activity

    Several Months ago I deposited a check in my account from Westerra Credit Union. It was in the amount of $7,000 and was drawn to fix my grandmothers sewer line which had collapsed. After I deposited it they informed me the funds would be available in 10 business days. Huh? I've been banking here for several years, never a bounced check or overdraft and my funds are always available the next day. Michael the Manager sneers at me and says, "well with what you keep in your account, I can't do much for you." I guess I'm too small time for him to even pick up the phone and call the credit union to verify. His own customer service manager thought it was idiocy so she fixed it and I stayed.

    In September two charges appeared on my account that I did not make. I filed a fraudulent claim and now after three months they tell me that they are not going to help me and I need to take it up with the website that charged me. Of course this is well past the time I can dispute it with the website so I will be reporting them to the FDIC. That $70 will be the last of my money they get.
    Do not bank with them!

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  •  
    Reviewed By Buckinghamjaclyn Feb 23, 2016

    Never Again

    I have had a loan out with Bank of the West for a couple years now for my car. I always make my payments on time (with autopay). Recently I had to change checking accounts due to fraud. I went online and after painstakingly being redirected from site to site to site I was finally able to log in and make my December payment with my new account number. Nowhere on the webpage does it state that adding your account online will not apply it to future payments. Fast forward two months and I get a call from collections saying (quite rudely) that my payments are past due. This was the first call I ever received from BOW and they talked to me like a criminal on the run. I try to explain the situation to the collections agent that I had actually added my payment account online and he informed me that in order to change autopays you have to MAIL IN a PAPER packet with a voided check. I'm sorry, but I thought this was 2016 and we had the internet now. Also, nowhere on the website does it say that adding your account online only works for one time payments. Here I am, a loyal customer who did what I thought I needed to do to make payments on time and now I take a hit on my credit and I'm stuck with late fees. I talked to customer service who was nicer than Steve the collections tyrant but she had no autonomy to make it up to me. I had to wait on hold for 15 minutes and go through 3 different departments before I could talk to anyone. You can't make any changes online (address, phone, etc) they practice archaic processes, and didn't even call my cell ONCE before sending me to collections and damaging my credit. Never again will I do business with these guys. It's too hard to be a good customer and I want to work with a company that has adapted to technology and actually rights its own wrongs. Take better care of your loyal clients who have many many banking options. Looking forward to refinancing with someone else.

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  •  
    Reviewed By Mary C. Feb 6, 2014

    I have a car loan with Bank of the West

    The customer service at Bank of the West is poor to say the least. The agents, IF you can understand what they are saying, do not do what they're supposed to do. I have been waiting for a letter to be faxed to my local DMV from Bank of the West for days now. This has been holding up registering my car. The letter was correcting their address. The original letter that was included with the title of my car to the DMV had the WRONG address on it. You would think whoever wrote the letter would type the correct mailing address of their institution. Instead, they put the title release department's address. Trying to get this rectified is a nightmare! Also, I've had my car loan with them since 2009. They have my middle initial wrong. I have asked them to change it for about a year with no luck. I have stopped trying.
    Dealing with them is frustrating. The managers are no better. They're rude and unhelpful. I will be glad when the car is paid off and I don't have to deal with them anymore.

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