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.