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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.

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Awesome Banking, Awesome Staff!

Posted by: Beccag | May 6, 2011

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. 

Everything we need is at Bank of the West

Posted by: Jackima | Aug 6, 2015

I have been banking at Bank of the West for 7 years and I am a very satisfied customer. The people there are friendly and helpful and its always surprising that they know our name! We also have a Heloc with this bank and credit card and the transactions couldn't have been smoother. I can always reach a live person on the phone if I need to contact them. That means so much to me! I plan on being a customer there for years to come!

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

Closed On Saturdays

Posted by: Jaycee4d | Feb 25, 2016

Bank of the West has closed locations and changed their hours so they're no longer open on Saturday. For someone that works M-F 8:00 to 5:00 this makes it impossible to get to the bank without needing to take off work.



Health Grade Components

FDIC Certificate #3514
Year Established1874
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD0.86%
Return on Equity - YTD5.22%
Annual Interest Income$2.23B
Assets and Liabilities
AssetsQ4 2015vs Q4 2014$75.74B$71.68B
LoansQ4 2015vs Q4 2014$53.94B$50.28B
DepositsQ4 2015vs Q4 2014$54.15B$52.11B
Equity CapitalQ4 2015vs Q4 2014$12.11B$11.89B
Loan Loss AllowanceQ4 2015vs Q4 2014$584.5MM$601.3MM
Unbacked Noncurrent LoansQ4 2015vs Q4 2014$308.2MM$338.9MM
Real Estate OwnedQ4 2015vs Q4 2014$11.5MM$17.5MM

Rates for Bank of the West are currently being reviewed.


Bank of the West has 542 locations. Click to view all Bank of the West locations.