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Bank of the West Review: Checking, Savings and CDs

March 14, 2018
Banking, Banks & Credit Unions, CDs, Checking Accounts, Savings Accounts
Bank of the West Review: Checking, Savings and CDs
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We adhere to strict standards of editorial integrity. Some of the products we feature are from our partners. Here’s how we make money.

cheatgame.info’s rating: 3.0 / 5.0

Where Bank of the West shines:

  • Easy-to-waive monthly fees and low minimum opening deposits on basic accounts
  • Sign-up bonus of up to $150 for opening and using an Any Deposit Checking account
  • Can have one overdraft fee waived every 12 months by request

Where Bank of the West falls short:

  • Low interest rates on savings and CDs
  • Limited branches and ATM network

Where Bank of the West shines:

  • Easy-to-waive monthly fees and low minimum opening deposits on basic accounts
  • Sign-up bonus of up to $150 for opening and using an Any Deposit Checking account
  • Can have one overdraft fee waived every 12 months by request

Where Bank of the West falls short:

  • Low interest rates on savings and CDs
  • Limited branches and ATM network

Where Bank of the West shines:

  • Easy-to-waive monthly fees and low minimum opening deposits on basic accounts
  • Sign-up bonus of up to $150 for opening and using an Any Deposit Checking account
  • Can have one overdraft fee waived every 12 months by request

Where Bank of the West falls short:

  • Low interest rates on savings and CDs
  • Limited branches and ATM network


Bank of the West

at Bank of the West,

Member, FDIC

The bottom line

You won’t pay a lot to use Bank of the West’s basic checking and savings accounts: Opening deposits are low, and you can waive monthly fees by receiving a single deposit each statement cycle or maintaining a minimum balance. Fees are also waived for younger customers.

But you won’t get a lot back, either. Rates on savings and CDs are above average, but not as high as you’d find with online competitors. And you might have a hard time finding a branch: The bank operates almost entirely in Western states, and some states have only a handful of branches. You’ll have the best shot at a location nearby if you live in California. 

Best if: You live in California, and you’re looking for an inexpensive checking account (with a bonus). 

» Want more options? See cheatgame.info’s analysis of the best checking accounts and the best savings accounts.


Spencer Tierney is a staff writer at cheatgame.info, a personal finance website. Email: [email protected] Twitter: @SpencerNerd.

Updated March 14, 2018.


Ratings methodology

cheatgame.info’s overall ratings for banks and credit unions are weighted averages of several categories: checking, savings, certificates of deposit or credit union share certificates, bank experience and overdraft fees.

Factors we consider, depending on the category, include rates and fees, ATM and branch access, account features and limits, user-facing technology, customer service and innovation.

The stars represent ratings from poor (one star) to excellent (five stars). Ratings are rounded to the nearest half-star.