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Welcome to Bank of the West! Please keep these important documents with your Deposit Account Disclosure booklet and retain them for future reference. Schedule of Fees and Charges for Personal Deposit Accounts…..….Page 1-4 Consumer Packages……….……..Page 5 Consumer Checking Accounts…..Page 6 Consumer Savings, Money Market, Certificate of Deposit and Individual Retirement Accounts………….…..Page 7 ATM and Debit Card Transaction Types and Limitations………….…Page 8
Online Banking Other Charges, continued
External Transfers Copies of Deposit Slips or Paid Checks
Standard (3 business days) External Transfer- $3 each Standard or Telephone Banking Requests No charge for first 2 copies
Web Fee per statement cycle, then $2
Next Business Day External Transfer-Web Fee $10 each each
Popmoney® Transfers Instant Requests $2 each
Standard (3 business days) External Transfer- No Charge Copy of Draft for POS Transaction $3 each
Web Fee Counter Check Fee $1 per check, minimum 4
Next Business Day External Transfer-Web Fee $3 each checks
Online Bill Pay Deposited Item Returned $15 each
Re-Deposited Item $4 each
Schedule of Fees and Charges Same Day Online Bill Payment – Transaction Fee $10.95 each
Overnight Check – Transaction Fee $17.50 each Early Closure (if checking, savings or money $25 per account
for Personal Deposit Accounts Additional Paper Statement Fee for Accounts with $3 per month
Online Statements
market account is closed less than 91 days after it
was opened)
(Iowa, Kansas, Missouri, Nebraska, Oklahoma, South Dakota*, Overdrafts and Returned Items Excess Withdrawal Fee (savings and money $15 each
market accounts)
Utah and Wisconsin Branches) Tier One - 1 Occurrence** Paid or Returned $31 each item
Expedited Delivery of ATM or Debit Card $65 per card
Tier Two - 2+ Occurrences** Paid or Returned $35 each item
Effective August 15, 2015 You will be charged an Overdraft Fee for an overdraft item paid if your account’s Foreign Currency
daily ending balance is overdrawn by more than $5. You will be charged a Returned Exchange $5 per transaction
Item Fee for a returned item. No more than four Overdraft and/or Returned Item Standard Shipping Fee $12 per transaction
This schedule applies to personal accounts opened in Iowa, Kansas, Missouri, Priority Shipping Fee $15 per transaction
Fees will be applied on any one business day.
Nebraska, Oklahoma, South Dakota, Utah and Wisconsin. This Schedule, Foreign Drafts $45 each
Daily Overdraft Fee: Beginning on the third business day following the day on which
along with the Deposit Account Disclosure for Personal Accounts, current rate your overdraft occurred, overdrawn balances of $15 or more may be assessed $5 Foreign Draft Stop Payment $30 each
sheet, your current signature card, and any other addenda that may be each business day. Foreign Items Deposited
provided to you at account opening or from time to time thereafter form the Overdraft Protection Collection $50 per item
agreement between you and Bank of the West as to your checking, money Savings Overdraft Protection Transfer Fee $12 each day that a transfer Cash Letter $5 per item
market, savings, certificates of deposit, and retirement accounts (collectively, occurs Inactive Account Letter $2 each
the “Agreement”). The Bank reserves the right to add to, delete from, Gold Line (credit approval required) Refer to the Gold Line Account Legal Process (excluding subpoena) $100 per process
discontinue, or otherwise amend any product, service, fee or charge, package Agreement and Disclosure Letter Providing Account Information $10 each
or program offering at any time with such notice as is required by law. To the Statement Medallion Guarantee (Securities) $10 each
extent that any of the terms or provisions of this Schedule of Fees and Safe Deposit Box Money Order $5 each
Charges conflict with those contained in any other document in the Agreement, Set-Up Fee $20 per box Reconcile Accounts $10 each hour (or fraction
the terms and provisions contained herein shall control. Annual Fee Varies thereof; $10 minimum)
We regret that this document is not available in languages other than English. Safe Deposit Box Forced Opening Varies based on cost to bank Stop Payment Fee $35 each order
Please make sure that you understand all terms and conditions applicable to Statements (check, third party transfer, electronic)
your deposit account(s) and services. Check Safekeeping No charge Verification of Deposit $17.50 each
Image Statement (fronts of checks only) $2 per statement cycle Written Deposit Confirmation Fee $5 each
Money Market accounts – no Continued on next page
ATM Cards and Debit Cards charge
ATM Card/Debit Card Purchases No Charge Image Statement (fronts and backs of checks) $3 per statement cycle
ATM Statements $1 each Copy of a Statement $5 each *In South Dakota, Bank of the West operates under the name of Bank of the West
Foreign Currency Transactions Ongoing Duplicate Statements $5 each California.
MasterCard® Fee 1% of transaction amount Snapshot Statement $2 each **Occurrence: (Solely for the purposes of overdrafts and returned item fees) An
Bank of the West Fee 2% of transaction amount Special Schedule Statements (off-cycle) $5 each Occurrence is each day in which your account does not have sufficient available funds
Non-Bank of the West ATM Transactions Other Charges to cover the items presented for payment regardless of whether or not you are charged
Balance Inquiry $2.50 per inquiry Account Research an Overdraft or Returned Item fee for the item. For example, if you have three (3) items
Transfer $2.50 per transfer Research Time $30/hour ($30 minimum) presented for payment in a single day for which there are insufficient funds to cover
Withdrawal $2.50 per withdrawal Item Copies $1 each these items, that is considered to be one (1) “Occurrence”. However, you may be
Debit Card Cash Advance Withdrawal at a $3 per withdrawal Cashier’s Checks $10 each charged for each of the three items. An Overdraft and/or Returned Item fee is based on
financial institution that displays the Check Cashing Fee (Bank of the West “on us” $7.50 per check the number of Overdraft and Returned Item Occurrences in the current month plus the
MasterCard® Logo check in excess of $50) previous 12 full months.
ATM Card or Debit Card Reissuance $5 per card Check Cashing Fee is waived for: (1) deposit account customers (excluding Basic For the first Occurrence, you will be charged the Tier One fee for each item presented
(Lost or Stolen) Savings-only customers); (2) minors; (3) Bank of the West cashier’s checks; and (4) for payment in a single day up to the daily maximum. For subsequent Occurrences in
Debit Rewards Annual Membership $15 per year Bank of the West checks drawn on a deposit account in the name of any government
the next 12 months, you will be charged the Tier Two fee for each item presented for
IRA agency.
payment in a single day up to the daily maximum.
IRA Annual Fee $12 per plan Check Printing Varies with style
IRA Transfer or Closing Fee $25 per plan Sightline Checks for the visually impaired No charge
Night Depository Collection Fee
Annual Fee $20 per year Domestic $20 per item
Key Deposit (non-refundable) $5 per key Foreign See Below
Form # 030-08606 (Rev. 9/1/15) IA, KS, MO, NE, OK, SD, UT, WI
© 2015 Bank of the West. Page 1 of 8 Member FDICWires
Incoming (Domestic or International)
Processing Incoming Wire - Auto $13 each
Processing Incoming Wire - Manual $15 each
Outgoing Domestic
Wire $30 each
Direct Wire Non-Repetitive Transfer–Phone Initiation $20 each
Direct Wire Repetitive Transfer–Phone Initiation $17 each
Outgoing International
Foreign Currency Wire $45 each
Wire $45 each
US $ Direct Wire Non-Repetitive Transfer–Phone Initiation $25 each
US $ Direct Wire Repetitive Transfer– Phone Initiation $20 each
Other Wire Services
Tax Payments – Branch $30 each
Drawdown (Reverse Wire) $15 each
Incoming Wire Notification
Telephone Notification $15 each
Mail Advice $4 each
Manual Fax $8 each
Tracer Requests
Domestic $20 each
International $35 each
Miscellaneous
Outgoing Domestic – Wire Repair $10 each
Outgoing International – Wire Repair $10 each
Receiving Bank Repair Charge Varies
Return Incoming Wire (customer request) $30 each
Returned Outgoing Wire Transfer $12 each
Wire Transfer Adjustment $30 each
Standing Orders (Automatically Recurring)
Domestic Wire $10 each
International Wire $15 each
Book Transfer Wire $5 each
Maintenance $5 each
Telephone Inquiry (Phone or Branch) $15 each
Pass Through (from Correspondents) $30 each
Form # 030-08606 (Rev. 9/1/15) IA, KS, MO, NE, OK, SD, UT, WI
© 2015 Bank of the West. Page 2 of 8 Member FDICOnline Banking Other Charges, continued
External Transfers Copies of Deposit Slips or Paid Checks
Standard (3 business days) External Transfer- $3 each Standard or Telephone Banking Requests No charge for first 2 copies
Web Fee per statement cycle, then $2
Next Business Day External Transfer-Web Fee $10 each each
Popmoney® Transfers Instant Requests $2 each
Standard (3 business days) External Transfer- No Charge Copy of Draft for POS Transaction $3 each
Web Fee Counter Check Fee $1 per check, minimum 4
Next Business Day External Transfer-Web Fee $3 each checks
Online Bill Pay Deposited Item Returned $15 each
Re-Deposited Item $4 each
Schedule of Fees and Charges Same Day Online Bill Payment – Transaction Fee $10.95 each
Overnight Check – Transaction Fee $17.50 each Early Closure (if checking, savings or money $25 per account
for Personal Deposit Accounts Additional Paper Statement Fee for Accounts with $3 per month
Online Statements
market account is closed less than 91 days after it
was opened)
(Iowa, Kansas, Missouri, Nebraska, Oklahoma, South Dakota*, Overdrafts and Returned Items Excess Withdrawal Fee (savings and money $15 each
market accounts)
Utah and Wisconsin Branches) Tier One - 1 Occurrence** Paid or Returned $31 each item
Expedited Delivery of ATM or Debit Card $65 per card
Tier Two - 2+ Occurrences** Paid or Returned $35 each item
Effective November 14, 2015 You will be charged an Overdraft Fee for an overdraft item paid if your account’s Foreign Currency
Change from August 15, 2015 Schedule of Fees is in bold daily ending balance is overdrawn by more than $5. You will be charged a Returned Exchange $5 per transaction
Item Fee for a returned item. No more than four Overdraft and/or Returned Item Standard Shipping Fee $12 per transaction
This schedule applies to personal accounts opened in Iowa, Kansas, Missouri, Priority Shipping Fee $15 per transaction
Fees will be applied on any one business day.
Nebraska, Oklahoma, South Dakota, Utah and Wisconsin. This Schedule, Foreign Drafts $45 each
Extended Overdraft Fee: If your account remains overdrawn $15 or more for
along with the Deposit Account Disclosure for Personal Accounts, current rate five (5) consecutive business days you will be charged $30 on the sixth Foreign Draft Stop Payment $30 each
sheet, your current signature card, and any other addenda that may be business day. Foreign Items Deposited
provided to you at account opening or from time to time thereafter form the Overdraft Protection Collection $50 per item
agreement between you and Bank of the West as to your checking, money Savings Overdraft Protection Transfer Fee $12 each day that a transfer Cash Letter $5 per item
market, savings, certificates of deposit, and retirement accounts (collectively, occurs Inactive Account Letter $2 each
the “Agreement”). The Bank reserves the right to add to, delete from, Gold Line (credit approval required) Refer to the Gold Line Account Legal Process (excluding subpoena) $100 per process
discontinue, or otherwise amend any product, service, fee or charge, package Agreement and Disclosure Letter Providing Account Information $10 each
or program offering at any time with such notice as is required by law. To the Statement Medallion Guarantee (Securities) $10 each
extent that any of the terms or provisions of this Schedule of Fees and Safe Deposit Box Money Order $5 each
Charges conflict with those contained in any other document in the Agreement, Set-Up Fee $20 per box Reconcile Accounts $10 each hour (or fraction
the terms and provisions contained herein shall control. Annual Fee Varies thereof; $10 minimum)
We regret that this document is not available in languages other than English. Safe Deposit Box Forced Opening Varies based on cost to bank Stop Payment Fee $35 each order
Please make sure that you understand all terms and conditions applicable to Statements (check, third party transfer, electronic)
your deposit account(s) and services. Check Safekeeping No charge Verification of Deposit $17.50 each
Image Statement (fronts of checks only) $2 per statement cycle Written Deposit Confirmation Fee $5 each
Money Market accounts – no Continued on next page
ATM Cards and Debit Cards charge
ATM Card/Debit Card Purchases No Charge Image Statement (fronts and backs of checks) $3 per statement cycle
ATM Statements $1 each Copy of a Statement $5 each *In South Dakota, Bank of the West operates under the name of Bank of the West
Foreign Currency Transactions Ongoing Duplicate Statements $5 each California.
MasterCard® Fee 1% of transaction amount Snapshot Statement $2 each **Occurrence: (Solely for the purposes of overdrafts and returned item fees) An
Bank of the West Fee 2% of transaction amount Special Schedule Statements (off-cycle) $5 each Occurrence is each day in which your account does not have sufficient available funds
Non-Bank of the West ATM Transactions Other Charges to cover the items presented for payment regardless of whether or not you are charged
Balance Inquiry $2.50 per inquiry Account Research an Overdraft or Returned Item fee for the item. For example, if you have three (3) items
Transfer $2.50 per transfer Research Time $30/hour ($30 minimum) presented for payment in a single day for which there are insufficient funds to cover
Withdrawal $2.50 per withdrawal Item Copies $1 each these items, that is considered to be one (1) “Occurrence”. However, you may be
Debit Card Cash Advance Withdrawal at a $3 per withdrawal Cashier’s Checks $10 each charged for each of the three items. An Overdraft and/or Returned Item fee is based on
financial institution that displays the Check Cashing Fee (Bank of the West “on us” $7.50 per check the number of Overdraft and Returned Item Occurrences in the current month plus the
MasterCard® Logo check in excess of $50) previous 12 full months.
ATM Card or Debit Card Reissuance $5 per card Check Cashing Fee is waived for: (1) deposit account customers (excluding Basic For the first Occurrence, you will be charged the Tier One fee for each item presented
(Lost or Stolen) Savings-only customers); (2) minors; (3) Bank of the West cashier’s checks; and (4) for payment in a single day up to the daily maximum. For subsequent Occurrences in
Debit Rewards Annual Membership $15 per year Bank of the West checks drawn on a deposit account in the name of any government
the next 12 months, you will be charged the Tier Two fee for each item presented for
IRA agency.
payment in a single day up to the daily maximum.
IRA Annual Fee $12 per plan Check Printing Varies with style
IRA Transfer or Closing Fee $25 per plan Sightline Checks for the visually impaired No charge
Night Depository Collection Fee
Annual Fee $20 per year Domestic $20 per item
Key Deposit (non-refundable) $5 per key Foreign See Below
Form # 030-08606 (Rev. 9/1/15) IA, KS, MO, NE, OK, SD, UT, WI
© 2015 Bank of the West. Page 3 of 8 Member FDICWires
Incoming (Domestic or International)
Processing Incoming Wire - Auto $13 each
Processing Incoming Wire - Manual $15 each
Outgoing Domestic
Wire $30 each
Direct Wire Non-Repetitive Transfer–Phone Initiation $20 each
Direct Wire Repetitive Transfer–Phone Initiation $17 each
Outgoing International
Foreign Currency Wire $45 each
Wire $45 each
US $ Direct Wire Non-Repetitive Transfer–Phone Initiation $25 each
US $ Direct Wire Repetitive Transfer– Phone Initiation $20 each
Other Wire Services
Tax Payments – Branch $30 each
Drawdown (Reverse Wire) $15 each
Incoming Wire Notification
Telephone Notification $15 each
Mail Advice $4 each
Manual Fax $8 each
Tracer Requests
Domestic $20 each
International $35 each
Miscellaneous
Outgoing Domestic – Wire Repair $10 each
Outgoing International – Wire Repair $10 each
Receiving Bank Repair Charge Varies
Return Incoming Wire (customer request) $30 each
Returned Outgoing Wire Transfer $12 each
Wire Transfer Adjustment $30 each
Standing Orders (Automatically Recurring)
Domestic Wire $10 each
International Wire $15 each
Book Transfer Wire $5 each
Maintenance $5 each
Telephone Inquiry (Phone or Branch) $15 each
Pass Through (from Correspondents) $30 each
Form # 030-08606 (Rev. 9/1/15) IA, KS, MO, NE, OK, SD, UT, WI
© 2015 Bank of the West. Page 4 of 8 Member FDICConsumer Packages
Package Easy Banking Package Choice Banking Package Signature Checking Package1
Easy Checking and
Choice Interest Checking and Signature Checking and
Package Requirements2 Choice Money Market Savings and
Choice Money Market Savings Choice Money Market Savings
$75 monthly Auto-Save
Package Features
Pays interest on checking account balances X X
Special customer interest rates on Choice Money
X X X
Market Savings3,4
Special customer interest rates on CD5 X
Additional account with no monthly
X
service charge6
Deducted from your Easy Checking account: Deducted from your Choice Money Market Savings Deducted from your Signature Checking account:
$8 with Online Statements account: $30
Monthly Service Charge
OR $15
$10 with paper statements
Each statement cycle, make a single monthly transfer of Each statement cycle, make a single monthly transfer of Maintain an average monthly balance of at least $15,000
$75 or more to Choice Money Market Savings from Easy $75 or more to Choice Money Market Savings from in Signature Checking per statement cycle,
Checking through the Auto-Save Program Choice Interest Checking through the Auto-Save Program OR
AND do one of the following OR Maintain a $25,000 combined average monthly balance in
Maintain an average monthly balance of at least $5,000 in Signature Checking plus all linked personal checking,
Maintain an average monthly balance of at least $1,000 in Choice Money Market Savings per statement cycle savings, money markets, CDs and IRAs per statement
Ways to Waive Monthly Service Charge Easy Checking per statement cycle, cycle
OR
Make a single direct deposit of $250 or more per
statement cycle to Easy Checking
OR
Make a minimum of 10 net debit card purchases per
statement cycle from Easy Checking
1 Signature Checking Package benefits, including monthly service charge waivers on additional accounts, begin the next business day after the Signature Checking account is opened or transferred. Premier Relationship Interest Rates, if applicable,
begin to accrue as of the first statement cycle following the business day after the Signature Checking account is opened or transferred
2 To be eligible to receive Package benefits, account ownerships must be identical. If you do not meet the requirements for a package, each account will be subject to the standard requirements and fees for the account type. Your money market
account cycle date may change to match the statement of your linked checking account to receive package benefits. If you have an existing Choice Banking Package, and open a new Signature Checking account, the Choice Money Market Savings
account will automatically be linked to the Signature Checking Package, and the monthly fee will be applied to your Choice Interest Checking account.
3 A Relationship Premium or a Premier Relationship Premium (available to Signature Checking customers) is a bonus interest rate on qualifying Choice Money Market Savings accounts for selected balance tiers. Only one Choice Money Market
Savings account can be linked to a checking account. The standard interest rate plus the Relationship Premium interest rate equals the Relationship Interest Rate; the standard interest rate plus the Premier Relationship Premium interest rate equals
the Premier Relationship Interest Rate. The Relationship Premium and Premier Relationship Premium interest rates are set at the Bank’s discretion and are subject to change without notice. There may not be a Relationship Premium or Premier
Relationship Premium associated with every balance tier.
4 To automatically qualify for a Relationship Interest Rate, you must have an open Bank of the West consumer checking account and a Choice Money Market Savings account with the same ownership; to automatically qualify for a Premier
Relationship Interest Rate, you must have an open Signature Checking account and a Choice Money Market Savings account with the same ownership. The Relationship Interest Rate or Premier Relationship Interest Rate will be earned on your
Choice Money Market Savings account, and is calculated as follows: On the last day of your statement cycle, your Choice Money Market Savings account’s end-of-day collected balance tier will be determined. If the Bank is paying a Relationship or
Premier Relationship Premium for that balance tier, that Premium will be added to the standard interest rate for the balance tier into which your daily end-of-day collected balance falls each day during the next full statement cycle. The Relationship or
Premier Relationship Premium will be applied beginning the first business day of the statement cycle. Once set, the Relationship or Premier Relationship Premium will not change during that statement cycle. The standard interest rate can change as
frequently as daily. Interest is compounded daily and paid to your Choice Money Market Savings account on the last day of the statement cycle. If you do not qualify for a Relationship or Premier Relationship Premium as of the last day of any
statement cycle, your account will earn only the standard interest rate during the next full statement cycle.
5 To qualify for a Relationship CD interest rate, you must have a Signature Checking account. Relationship CD interest rates are available on select CD products only and are subject to change or discontinuance at account renewal. If you do not
have an open Signature Checking account when the CD renews, you may receive the standard rate for the new term.
6 If you have an open, active Signature Checking account, you are eligible for a second Signature Checking account with no monthly service charge. The ownership on both accounts must be identical. The second Signature Checking does not
provide a relationship pricing benefit to a Choice Money Market Savings account.
Form # 030-08606 (Rev. 9/1/15) IA, KS, MO, NE, OK, SD, UT, WI
© 2015 Bank of the West. Page 5 of 8 Member FDICConsumer Checking Accounts
Type of Account 1 Easy Checking Choice Interest Checking 55 Plus Signature Checking
Minimum Amount to Open $100 $100 $100 $100
Pays Interest No Yes No Yes
Monthly Service Charge $8 with Online Statements $10 No monthly service $30
OR charge if primary
$10 with paper statements account owner2 is age
For new accounts, we will waive the monthly For new accounts, we will waive the monthly 55 or older, otherwise For new accounts, we will waive the monthly
service charge for the first two statement cycles. service charge for the first two statement cycles. $10 service charge for the first statement cycle.
Ways to Waive Monthly Service Charge Meet at least one of the following each Meet at least one of the following each Meet at least one of the following each statement
statement cycle: statement cycle: cycle:
• Maintain an average monthly balance of • Maintain an average monthly balance of • Maintain an average monthly balance of $15,000
$1,000 or more in this account $2,500 or more in this account Primary account or more in this account
OR OR owner2 is age 55 or OR
• Receive a single direct deposit of $250 or more • Maintain a $5,000 combined average monthly older • Maintain a $25,000 combined average monthly
OR balance in this account plus linked personal balance in this account plus linked personal
• Make a minimum of 10 net3 debit card savings, CDs, or IRAs4 checking, money market, savings, CDs, or IRAs5
purchases (PIN or signature)
Early Closure Fee:
$25
(if account is closed less than 91 days after it is opened)
Overdrafts and Returned Items Tier One -1 Occurrence6 Paid or Returned: $31 each item
Tier Two -2+ Occurrences6 Paid or Returned: $35 each item
You will be charged an Overdraft Fee for an overdraft item paid if your account’s daily ending balance is overdrawn by more than $5.
You will be charged a Returned Item Fee for a returned item. No more than four Overdraft and/or Returned Item Fees will be applied on any one business day.
Daily Overdraft Fee Beginning on the third business day following the day on which your overdraft occurred, overdrawn balances of $15 or more may be assessed $5 each business day.
Non-Bank of the West ATM Transaction
$2.50 per transaction No charge
(Balance Inquiry, Transfer, Withdrawal)
Stop Payment $35 per stop payment order No charge
Check Printing First order free (one box
No charge for Signature Checking checks or 25%
Varies based on style ordered Varies based on style ordered of corporate image,
discount on other styles (one box per order)
wallet style checks)
Other Charges See Schedule of Fees and Charges for Personal Deposit Accounts for other fees that may apply.
1 If you do not qualify for one of these checking products, you may be offered an alternate checking product.
2 The primary account owner is the person whose name is listed first on the account.
3 Net purchases equal total purchases minus returns/credits, and include only those debit card transactions posted to the account during the statement period.
4 To qualify for the combined balance minimum, you must request us to link multiple personal deposit accounts to your checking account. All linked accounts must have the same ownership.
5 Personal checking, money market, savings, CD and/or IRA accounts can be automatically linked to only one Signature Checking account. Primary account owner on Signature Checking account must also be an owner on any linked accounts for the
combined balance waiver. Additional Signature Checking accounts must meet standalone balance requirement for the monthly service charge to be waived, unless it is a secondary Signature Checking account linked to a primary Signature Checking
account.
6 Occurrence: (Solely for the purposes of Overdrafts and Returned Item fees) An Occurrence is each day in which your account does not have sufficient available funds to cover the Items presented for payment, regardless of whether or not you are
charged an Overdraft or Returned Item fee for the Item. For the first Occurrence, you will be charged the Tier One fee for each Item presented for payment in a single day up to the daily maximum. For subsequent Occurrences in the next 12 months,
you will be charged the Tier Two fee for each Item presented for payment in a single day up to the daily maximum. Refer to the Schedule of Fees and Charges for Personal Deposit Accounts for additional details.
Form # 030-08606 (Rev. 9/1/15) IA, KS, MO, NE, OK, SD, UT, WI
© 2015 Bank of the West. Page 6 of 8 Member FDICConsumer Savings, Money Market, Certificate of Deposit and Individual Retirement Accounts
Type of Account Classic Savings Choice Money Market Savings Certificates of Deposit (CDs) Individual Retirement Accounts
(IRA CDs)
Minimum Amount to Open $25 $100 • Flexible Term CD: $100
$1,000 Premium Money Market IRA CD
• Premium Money Market CD: (91 days to 24 months)
$2,500 Flexible IRA CD (12-60 months)
• 7-31 Day CD: IRA Add-On CD1 (3 month Money
$100,000 Market or 12 Month)
Pays Interest Yes Yes Yes Yes
Monthly Service Charge $5 $15 N/A N/A
Ways to Waive Monthly Service Charge Meet at least one of the following each month: Meet at least one of the following each
• Make a single transfer of $25 or more from a statement cycle:
Bank of the West consumer checking account • Make a single transfer of $75 or more from a
through the Auto-Save program2 Bank of the West consumer checking account
OR through the Auto-Save program2
• Maintain an average monthly balance of at OR
least $300 in this account • Maintain an average monthly balance of at
OR least $5,000 in this account N/A N/A
• Primary account owner is age 18 or younger OR
• Maintain a Signature Checking Package or a
Bank of the West Premier Checking
account. Refer to the Signature Checking
Package information on Page 3 or the Bank of
the West Premier Program disclosure for
details.
Early Closure Fee: N/A N/A
(if account is closed less than 91 days after it is opened) Early Withdrawal Penalty may apply. Early Withdrawal Penalty may apply.
$25 $25
See Deposit Account Disclosure See Deposit Account Disclosure
booklet for details. booklet for details.
Transaction Limits Federal regulations require that all money market and savings accounts be strictly limited to a total of no more than six (6) transactions by check, draft, debit card, or similar order
payable to third parties and/or pre-authorized, automatic or telephone transfers from the account either to a third party or to a another account (includes Online Banking transfers) per
statement period, for money market accounts, or calendar month, for savings accounts. For each such transaction in excess of six (6), an Excess Withdrawal Fee will be charged,
regardless of the account balance, other fees, or type of withdrawal. There is no limit to the number of withdrawals paid directly to you by mail, messenger, ATM, or in person.
Excess Withdrawal Fee $15 each $15 each N/A N/A
IRA Annual Fee N/A N/A N/A $12 per plan
IRA Transfer or Closing Fee N/A N/A N/A $25 per plan
Other Charges See Schedule of Fees and Charges for Personal Deposit Accounts for other fees that may apply.
1 Additional deposits into an IRA Add-On CD will earn the interest rate that was in effect when the account was opened or renewed. Additional deposits of $100 or more can be added at any time, subject to contribution limits.
2 If there are not sufficient funds in your checking account to complete a scheduled transfer, such as an Auto-Save, to your savings or money market account, no transfer will occur, even if you have available overdraft protection for your checking
account through Savings Overdraft Protection and/or Gold Line. This means that if your savings or money market account monthly service charge would have been waived as a result of an eligible Auto-Save or recurring transfer from your checking
account, you may incur a monthly service charge for that statement cycle.
Form # 030-08606 (Rev. 9/1/15) IA, KS, MO, NE, OK, SD, UT, WI
© 2015 Bank of the West. Page 7 of 8 Member FDICATM and Debit Card Transaction Types and Limitations
ATM Withdrawals and Transfers1 Point-of-Sale Transactions Cash Advances2
Card Type Frequency Dollar Amount Limitations3 Frequency Dollar Amount Limitations3 Frequency Dollar Amount Limitations3
ATM Card Unlimited Up to $500 per day N/A N/A N/A N/A
Debit Card – Signature Checking Up to 30 merchant Up to $5,000 worth of goods and
Unlimited Up to $1,000 per day Unlimited Up to $1,000 per day
transactions per day services per day
Up to 30 merchant Up to $3,500 worth of goods and
All Other Debit Cards4 Unlimited Up to $500 per day Unlimited Up to $1,000 per day
transactions per day services per day
1 Dollar amount limitation on non-Bank of the West ATM transactions includes any fees imposed by the ATM owner
2 Using your Debit Card to obtain cash from other financial institutions using the MasterCard® Network
3 Subject to funds availability
4 Except Bank of the West Premier Debit Card. Refer to the Bank of the West Premier Program Addendum to the Deposit Account Disclosure and Schedule of Fees and Charges for transaction
types and limitations applicable to the Bank of the West Premier Debit Card.
Form # 030-08606 (Rev. 9/1/15) IA, KS, MO, NE, OK, SD, UT, WI
© 2015 Bank of the West. Page 8 of 8 Member FDICYou can also read
