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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 ...

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

Reflection Of Paid Checdks On Bank Of The West Bill Pay Are Really Pending.

If your a member of Bank of The West and use their bill pay service be aware that the third party company that is hired to operate bill pay does not reflect a prearranged bill as "Paid" when the funds actually come out of ones account.  It shows only the date one request it to be paid by and continues to lead the consumer to believe it is paid.  Upon opening Bill Pay it will say "You have no pending payments" when in fact you do. You can't tell if it's actually paid unless you look at the statement.  Bank of the West is aware of the problem and claims they have No authority to correct the problem.  The true meaning of paid is when the funds have been paid out of account NOT when the third party mails the check. 

This is miss leading and, can lead to bounced checks and fees paid to the bank.  This happened to me.  I checked my account balance and bill pay.  Bill pay reflected "NO Pending Payments" so I believed it as fact, wrote a check and it bounced and I was charged  $35.00 for NSF  This needs to stop, the banks are taking advantage of us once again and it's not fair. 

Is there anyone truely on the consumers side? 

Awesome Banking, Awesome Staff!

I have been a customer at Bank of the West for three years, and love this bank.  The customer service is great, always a genuine hello.  The website is very user friendly.  I have banked with several other banks and frankly was always disappointed. 

Bank of the West is professional, honest and I love the little bear!  I will continue to refer my friends and family here. 

My Bad Experience With Bank Of The West

yeah they lure you with some kind of cash reward, soon they start charging outragous fees every turn you you make: charges for overdraft fees, charges for using non bow atms on top of servicing atm fee, checking service fee not so appealing, beware of that bear wolf



Data for Q1 2014

Institution Health


Texas Ratio


The Texas Ratio is an indicator of how much capital a bank has available compared to the total value of loans considered at risk. As of March 31, 2014 Bank of the West had $508.17 million in non-current loans and owned real-estate with $12.37 billion in equity and loan loss allowances on hand to cover it. This gives Bank of the West a Texas Ratio of 4.11% 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 4.41% as of March 31, 2013 to 4.11% as of March 31, 2014, resulting in a positive change of 6.90%.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 $3.44 billion, resulting in 7.36% 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 excellent.



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 $67.73 billion in assets with $12.37 billion in equity, resulting in a capitalization level of 18.27%, which is excellent.

Institution Statistics

FDIC Certificate #3514
Year Established1874
Primary RegulatorFDIC
Assets and Liabilities
Assets$67.73 billion
Loans$47.38 billion
Deposits$50.22 billion
Equity Capital$11.75 billion
Loan Loss Allowance$623.99 million
Unbacked Noncurrent Loans$493.95 million
Real Estate Owned$14.23 million
Historic Data - March 2013
Assets$62.49 billion
Equity Capital$11.73 billion
Loan Loss Allowance$687.36 million
Unbacked Noncurrent Loans$493.95 million
Real Estate Owned$28.21 million
Profit Margin - Quarterly
Net Interest Margin3.26%
Return on Assets0.73%
Return on Equity4.17%
Interest Income$514.04 million
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Bank of the West Savings Account Rates

0.01%--Classic Savings

Bank of the West Money Market Rates

0.22%$100k$250kChoice Money Market Savings (CMMS) w/Premier Relationship Checking
0.17%$100k-Choice Money Market Savings (CMMS) w/Checking Relationship
0.15%$1m-Choice Money Market Savings (CMMS)

Bank of the West Checking Account Rates

0.05%$10k-Premier Relationship Checking
0.05%$10k-Signature Checking
0.01%--Choice Interest Checking

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