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180 Montgomery Street
San Francisco, CA 94104

Bank of the West is headquartered in San Francisco, California, and is one of the 50 largest banks in the United States. It operates through hundreds of retail and commercial locations across the country and offers a range of products and services.

On its Personal Banking side, Bank of the West offers the standard deposit accounts: Checking, Savings, CDs, and Money Markets. Its five different checking accounts vary in terms and requirements and all have a monthly service charge except for the 55 Plus Checking account. The bank offers opportunities to waive or reduce the monthly service charge by performing certain tasks like signing up for paperless statements. Its Choice Interest Checking account offers typically low interest rates. There are two Savings Account offerings – Online Savings and Classic Savings – and both come with a monthly service fee that can be waived by keeping a minimum account balance.

Bank of the West also offers a Money Market account that offers variable interest rates based on account balances. This account must be opened at a branch and comes with a monthly service charge that can be waived. It also offers CDs (Certificates of Deposit) with a variety of term lengths, from 7 days to 5 years. Interest rates on all of its deposit accounts are usually lower than the national average.

Bank of the West is held by BancWest Corporation, which is wholly owned by BNP Paribas. It also offers credit cards, loans, investment management, and retirement management services to its customers. Bank of the West online banking and mobile platforms offer personal account management via smartphone and tablet apps, mobile web, and text banking. These sophisticated platforms allow customers to transfer funds, pay bills, and manage their accounts quickly and easily. On Bank of the West’s commercial and small business sides, it offers banking solutions tailored to specific industries such as Agribusiness, Religious Institution, Healthcare, Real Estate, Title & Escrow, Financial Institutions, and Government Banking.

Bank of the West began in 1874 as Farmers National Gold Bank, nearly two decades after the culmination of the California gold rush. It changed its name once in 1880 to First National Bank of San Jose before finally transitioning to become Bank of the West in 1979.

Related Posts

Bank of the West Checking Account Bonuses Return - Certain States Only - 2/5/2014

Bank of the West has again brought back its $150 checking account promotion. It looks like the same promotion they were offering last year. Just like the last one, there's also a $200 bonus, but that ...

Another Bank of the West Checking Account Bonus - Certain States Only - 7/29/2013

Bank of the West has again brought back its $150 checking account promotion. It looks like the same promotion they were offering February. Just like the last one, there's also a $200 bonus, but that r ...

History of Bank of the West Promotion Bonus Payouts - 7/29/2013

One issue to consider with any bank bonus is the possibility that the bank may decide not to honor the promotion. Sometimes it’s the customer’s fault for not meeting the qualifications. However, the p ...

Horrible Refinance Experience

This was, hands down, the worst experience I have ever had with a lending institution.  I had initiated a Refinance on my home mortgage, after being quoted an excellent rate.  I gave verbal consent to lock the rate, which I told would be done.  I completed all paperwork and everything seemed to be going smoothly. An appraiser was sent out (which I paid for). After a few weeks without being given my appraisal report, I started hounding my mortgage banker.  She gave me the run around for weeks and weeks before I finally realized that she had completely dropped the ball.  She had never locked my rate!!  The worst part is that she tried to cover it up with a myriad of excuses.  I spent months trying to resolve this and I found it to be extremely difficult dealing with Bank of the West.  They outright lied to me.  I would not recommend this Bank to anyone

Bank Is Difficult To Use, Has Lots Of Fees, And Have Policies To Cause You To Forfeit Your Interest Earnings

Bank of the West is extremely slow, and painful to work with.  To begin with, it took almost a week of determined effort for me to just open an online account.  I made the effort only because I needed to use a particular branch in a small town where I was doing some business.  Otherwise, I would have given up.

They have LOTS of fees of all kinds, and those are difficult to keep track of.

If you close your account, make sure you ask about when the interest accrued in the account will be posted.  If you close the account before the posting date, ALL your interest is forfeited for the entire period.  The bank representative closing the account will not warn you about that.

Horrible So Horrible...Raping The Citizens Of Oregon Completely Deceptive In Their Practices! Stay Away Please Stay Away!

“Deceived from the beginning” They were a business oriented bank in 2008 and have branched out with bankers that are destroying the small businesses they started out building relationships with. They changed the terms of the original loan. They lied and are now tripling the payments within three years vs 10 years. They are in trouble and lie steal and cheat the community. The staff are heartless blaming the regional manager. This is a deceptive and illegal operation, stay away from anyone associated with this so called bank. Horrible horrible and horrible they are no longer a small business bank they lie and ruthlessly are putting small businesses out of business with their fees and greed. Charging fees two times when asked to place a stop payment the first time and then laughing all the way to their bank as they just ripped you off for another $35. they could get away with again blaming their regional managers policies.  I just thought when I paid once (35.) to stop payment that they would stop it but they let it go through the next day and laughed as they said oh you got charged another $35.  I think that is illegal.  I will find out they are horrible and merciless. FDIC the government should have laws against this. Doesn't no mean no!!! Doesn't stop payment mean stop payment!!!

Loan Confidentiality


My husband and I have a boat financed in both of our names with Bank of the West. When my husband passed away my attorney sent a letter to Bank of the west without my knowledge, telling them he would be handling the affairs of the estate.  Without consulting me to get a Power of Attorney for them to give information to my attorney, BOW requested and obtained a Creditor's Claim from the clerk of court. BOW said they needed to cover themselves in case I did not continue to pay the loan, although I have excellent credit and never missed any payments. The court system charged BOW $169.00 for it, and BOW in turn charged it to my loan, without even notifying me. Any respectful bank or loan company would ask the customer who pays the bills for a Power of Attorney before releasing confidential loan information to any attorney who sends them a letter.

I will not be doing any other  business with Bank of the West.



Data for Q4 2013

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much funds a bank has available compared to the total value of loans considered at risk. As of December 31, 2013 Bank of the West had $570.82 million in non-current loans and owned real-estate with $12.33 billion in equity and loan loss allowances on hand to cover it. This gives Bank of the West a Texas Ratio of 4.63% which is excellent. Any bank with a Texas Ratio near or greater than 100% is considered at risk.

Texas Ratio Trend


The Texas Ratio for Bank of the West experienced no significant changes from 5.03% as of December 31, 2012 to 4.63% as of December 31, 2013, resulting in a positive change of 7.99%.This indicates that the balance sheet and financial strength for Bank of the West has had no significant changes in recent periods.

Deposit Growth


In the past year, Bank of the West has increased its total deposits by $1.27 billion, resulting in 2.69% growth for the year. A strong track record of growth is an indicator of consumer confidence and the bank's ability to strengthen its balance sheet. The growth Bank of the West has shown is above average.



Both FDIC and NCUA consider capitalization levels of banks and credit unions to be of high importance. Higher capitalization allows for a greater buffer when cover loans that may fail in the future. Bank of the West has $66.47 billion in assets with $12.33 billion in equity, resulting in a capitalization level of 18.55%, which is excellent.

Institution Statistics

FDIC Certificate #3514
Year Established1874
Primary RegulatorFDIC
Assets and Liabilities
Assets$66.47 billion
Loans$46.71 billion
Deposits$48.37 billion
Equity Capital$11.70 billion
Loan Loss Allowance$634.57 million
Unbacked Noncurrent Loans$555.20 million
Real Estate Owned$15.62 million
Historic Data - December 2012
Assets$63.34 billion
Equity Capital$11.64 billion
Loan Loss Allowance$710.70 million
Unbacked Noncurrent Loans$555.20 million
Real Estate Owned$31.34 million
Profit Margin - Quarterly
Net Interest Margin3.4%
Return on Assets0.87%
Return on Equity4.8%
Interest Income$2.05 billion
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Bank of the West Savings Account Rates

0.01%--Classic Savings

Bank of the West Money Market Rates

0.28%$100k$250kChoice Money Market Savings (CMMS) w/Premier Relationship Checking
0.23%$100k$250kChoice Money Market Savings (CMMS) w/Checking Relationship
0.15%$1m-Choice Money Market Savings (CMMS)

Bank of the West Checking Account Rates

0.06%$10k-Premier Relationship Checking
0.01%--Choice Interest Checking

Bank of the West has 626 locations. Click to view all Bank of the West locations.