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"55 Plus Checking" from Bank of the West
The Basics
Debit Cards & Using ATMs
Debit Card
$0.00/yr
There is a $2.00 fee each time you use a non-affiliated ATM.
There is a $2.00 fee each time you use a ATM in another country. In addition, there is a fee calculated as 3% of the total amount withdrawn.
Electronic & Telephone Banking
Online Banking
Free
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- An email to let you know there's a secure message for you in Online Banking;
- The bad new your account has gone into a negative balance.
- Priority Online Account notifications (i.e., change of password);
- Payment and transfer confirmations
- Notice if a bill pay is not possible because the account has a low balance.
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold;
- An email to let you know there's a secure message for you in Online Banking;
- The bad new your account has gone into a negative balance.
- Priority Online Account notifications (i.e., change of password);
- Payment and transfer confirmations
- Notice if a bill pay is not possible because the account has a low balance.
You can download 120 days of transaction history in the following formats:
- Quicken 2007 and above;
- QuickBooks 2007 and above;
- MS Money for 2007 and above.
- Quicken 2007 and above;
- QuickBooks 2007 and above;
- MS Money for 2007 and above.
Online Billpay
Free
Automated Phone Banking
Free
You can access your transaction history directly through Quicken, QuickBooks and MS Money.
Checks & Statements
Unlimited Check Writing
Yes
The first order of 'basic' checks is free for all new account holders.
Monthly Paper Statements
Yes
You can choose to receive images of the front of canceled checks in monthly statements for an optional fee of $1.50 per month. Receive images of the back and front of checks for $2.50 per month.
See the note on paper statements for more details.
Electronic Statements
Yes
Images of canceled checks can be viewed online for 90 days. If you specifically enroll in online statements (see paper statement note), you will receive check images with your online statements, which are viewable for up to 7 years.
Overdrawing the Account
The Insufficient Funds Fee is $26.00 for the first overdraft and $35.00 for subsequent overdrafts.
This fee only applies if the account is overdrawn by $5 or more.
This checking account has 2 options for Overdraft Protection.
From a linked Savings Account:
- Transfer fee of $10.00. The transfer fee is charged per day;
- Funds are transferred in fixed increments of $50.00.
- Transfer fee of $10.00. The transfer fee is charged per day;
- Funds are transferred in fixed increments of $50.00.
From a linked Overdraft Line of Credit:
- Transfer fee of 2% of the transaction fee (minimum $2, maximum $10). This fee is charged per day;
- You will also be charged a $10 annual fee for this service
- Funds are transferred in fixed increments of $50.00.
- Transfer fee of 2% of the transaction fee (minimum $2, maximum $10). This fee is charged per day;
- You will also be charged a $10 annual fee for this service
- Funds are transferred in fixed increments of $50.00.
Savings and Money Market Accounts
'Online Savings' requires $100.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.05 % at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 1.10% at $25,000.00
- 0.05 % at minimum balance to earn interest;
- 0.05% at minimum balance to avoid fees;
- 1.10% at $25,000.00
'Money Market Advantage' requires $1,000.00 to open and $1,000.00 to earn interest.
Current APY Information:
- 0.10% at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.25% at $25,000.00
- 0.10% at minimum balance to earn interest;
- 0.10% at minimum balance to avoid fees;
- 0.25% at $25,000.00
The account has a monthly service fee of $10.00. This fee can be waived if you maintain a minimum balance of $1,000.00.
'Money Market Savings' requires $20,000.00 to open and $0.00 to earn interest.
Current APY Information:
- 0.10% at minimum balance to earn interest;
- 0.85% at minimum balance to avoid fees;
- 0.85% at $25,000.00
- 0.10% at minimum balance to earn interest;
- 0.85% at minimum balance to avoid fees;
- 0.85% at $25,000.00
The account has a monthly service fee of $20.00. This fee can be waived if you maintain a minimum balance of $20,000.00.
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How We Get Our Information
We conduct our own research for the largest US banks and we audit the information provided by community banks and credit unions.
Our branch location database is sourced from the FDIC and is updated with information provided by banks and credit unions.
We make best efforts to maintain accurate data, but we suggest you verify this information prior to opening an account.
All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.
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