Any Deposit Checking Account Guide April 6, 2018 This guide is provided to help you understand some of the most common features and fees associated with your Any Deposit Checking Account and is not a substitute for your Deposit Account Disclosure for Personal Accounts, Schedule of Fees and Charges for Personal Deposit Accounts, Rate Sheet and any other documents that form the Account Agreement (“Agreement”) with Bank of the West. For complete terms, conditions and fees governing your Account, refer to the Agreement or ask us. To the extent that any of the terms or provisions of this Guide conflict with those contained in the Agreement, the terms and provisions contained in the Agreement shall control. Any term not defined in this Guide has the meaning assigned in the Agreement. Account Opening and Usage Minimum Opening Deposit Any Amount Monthly Service Charge $10 (waived for the first two (2) statement cycles for new Accounts) Requirements to waive the monthly service charge during each statement cycle Make at least one (1) deposit of any amount to the Account during the statement cycle, such as direct deposit, mobile deposit, ATM deposit, or in-branch deposit (does not include fund transfers between Bank of the West Accounts or any credits from Bank of the West) OR Any owner on the Account under age 25 Interest Bearing No Bank of the West ATM Fees $0 for using Bank of the West ATMs Non-Bank of the West ATM Fees $2.50 for each withdrawal, transfer, and balance inquiry conducted at a non-Bank of the West ATM. The ATM owner may charge you additional fees. Deposited Item Returned Fee $15 for each Item you deposit or cash against your Account that is returned for any reason. Minnesota branch Accounts only: $4 for each Item you deposit or cash against your Account that is returned for any reason. Paper Statement Fee $3/month per Account, charged each month you receive a paper statement (fee also applies to each Account subject to the fee if included in a combined statement). Fee waived if any account owner is age 65 years or older OR account ownership ineligible for Online Banking access OR account has Alternative Statement Option of Audio, Braille or Large Font. Stop Payment Fee $35 for each stop payment order (check, electronic, or third party transfer) Other Service Fees Please consult the current Schedule of Fees and Charges for Personal Deposit Accounts. Overdraft Coverage For Checking Accounts Standard Overdraft Practices (Applies to checks, ACH, and scheduled recurring Debit Card transactions) We may, at our discretion, assist you with an unplanned or occasional Overdraft by paying checks, ACH or recurring Debit Card transactions and charging you an Overdraft Fee (listed below) when your Account has an insufficient Available Balance. Opting Out: If you do not want us to pay checks, ACH, or recurring Debit Card transactions when doing so will overdraw your Account, you may Opt Out of our Standard Overdraft Practices by contacting your local branch or our Contact Center at the number listed at the end of this document. You can change your option at any time. Note: If you Opt Out of our Standard Overdraft Practices, there still may be times when an Item is paid, an Overdraft occurs, and an Overdraft Fee is charged. Also, even if we have to return an Item due to an insufficient Available Balance in your Account, you will incur a Returned Item Fee (listed below). Debit Card Overdraft Service (Applies to ATM and everyday Debit Card purchase transactions) Opting Out (default): If your Account has an insufficient Available Balance, your ATM or everyday debit card purchases will be declined and you will not be charged an Overdraft Fee or Returned Item Fee (listed below). There may be times when the Bank is obligated to pay an ATM or everyday debit card transaction against an insufficient Available Balance in your Account but because you are Opted Out you will not be charged an Overdraft Fee. Opting In: If you want us, at our discretion, to pay ATM or everyday debit card purchases when you have an insufficient Available Balance in your Account and charge you an Overdraft Fee, you may choose to Opt In. You can change your option at any time. Overdraft Fee (for each Item we pay) $35 per Item paid if your Account has an insufficient Available Balance to cover the Item $5 Overdraft Buffer: No Overdraft Fees will be assessed on your Account if at the end of the Business Day1 your Account’s Available Balance is overdrawn by $5 or less after all transactions have posted. Returned Item Fee (for each Item we don’t pay) $35 per Item returned if your Account has an insufficient Available Balance to cover the Item Daily Maximum (number of Overdraft or Returned Items Fees per Business Day) No more than five (5) Overdraft and/or Returned Item Fees will be charged on any Business Day per Account. Overdraft Fee Eraser Upon request, we will refund one (1) Overdraft Fee or Returned Item Fee in a rolling 12 month period. Extended Overdraft Fee $30 if your Account’s Available Balance remains overdrawn $15 or more for five (5) consecutive Business Days you will be charged $30 on the sixth Business Day 1 Our Business Days are Monday through Friday, excluding federal holidays. At branches, Business Days end at the posted branch lobby closing time and at ATMs, Business Days end at 4:30 PM (Pacific Time). Form 030-18715 (Rev. 04/06/2018) Page 2 of 2 © 2018 Bank of the West (Doing business in South Dakota as Bank of the West California) Member FDIC Alternative Overdraft Programs Savings Overdraft Protection $12 per transfer. You can link a Bank of the West savings or money market Account to your Any Deposit Checking to help cover Overdrafts (subject to the Available Balance in your savings or money market Account). Gold Line (Credit Approval Required) Ask your branch for details on linking a line of credit to your Any Deposit Checking to help cover overdrafts (subject to available credit in the Gold Line). Certain fees and restrictions may apply. Refer to the Gold Line Agreement. Processing Policies Funds Availability Policy (When funds deposited to your Account are generally available) Same Business Day: Available for same day withdrawals, and to pay checks and purchases that post to your Account. • Electronic Direct Deposit • Incoming Wire Transfers Next Business Day: Available next Business Day for withdrawals and to pay checks and purchases that post to your Account. • Cash deposited with a teller up to posted branch lobby closing time or our ATM up to 4:30 PM (Pacific Time) • Checks, including Bank of the West checks, non-Bank of the West checks, and federal government checks, deposited with a teller up to posted branch lobby closing time or deposited at our ATM up to 4:30 PM (Pacific Time) Special Rules • Longer delays may apply based on Items deposited, Account history or if you have recently opened your Account with us. If something causes a longer hold on any deposit, the first $200 of that deposit will be made available the Next Business Day after the Business Day we receive your deposit. • In most cases, the remaining balance will be available on the Second Business Day after the Business Day we receive your deposit. • Longer delays may apply if, where available, you make a deposit at a non-Bank of the West ATM. Posting Order The following describes the order in which we post transactions to your Account and affect your Available Balance, which is known as our “Posting Order.” We “post’ transactions to your Account throughout the Business Day and during our nightly processing each Business Day. As a result, Items do not always post in the order in which the transactions occurred. Rather, we group your transactions into certain categories and post transactions as described below. Posting Order Transaction Types How They Are Posted 1st • Deposits • We credit your Account for Items and funds that have been accepted for deposit to your Account. 2nd • Previously authorized transactions ATM withdrawals POS Debit Card transactions Checks cashed or n
egotiated at one of our branches • Within each group, we generally pay Items as follows: If Items have a machine readable date and/or time stamp, we pay the Items in the order of the date/time stamp. If we have no date/time stamp, we pay those Items after Items with a time stamp, sequenced from the lowest amount to the highest amount. If the Items are checks, we pay them in check number order (from low to high). When we cannot readily determine check numbers, we pay those checks after checks with identifiable check numbers in sequence from the lowest amount to the highest amount. 3rd • Wire transfers (debits) 4th • Transfer of funds between Bank of the West Accounts 5th • Bank of the West fees 6th • Checks presented for payment against your Account 7th • Transactions presented through the Automated Clearing House (ACH) Note: Online banking bill payment may be processed as either checks or ACH transactions Questions or Contact Us If you have questions or would like more information, please visit your local branch or call our Contact Center at 1-800-488-2265 (for TTY, use 1-800-659-5495). We will be happy to answer your questions. In addition, please refer to the Deposit Account Disclosure for Personal Accounts and Schedule of Fees and Charges for Personal Deposit Accounts and any applicable addenda for complete terms and conditions of your personal checking Account
or Large Font. Overnight Check – Transaction Fee $17.50 each *Doing business in South Dakota as Bank of the West California Page 2 of 8 Page 1 of 6 S Form # 030-18685 (Rev. 12/01/18) AZ,CA,CO,IA,ID,KS,MO,ND,NE,NM,OK,OR,SD,UT,WA,WI,WY © 2018 Bank of the West. Member FDIC Other Charges Wires Account Research Incoming Wire (Domestic or International) $15 each Research Time $30/hour ($30 minimum) Outgoing Domestic Item Copies $1 each Wire $35 each Cashier’s Check $10 each Direct Wire Repetitive Transfer–Phone Initiation $17 each Check Cashing Fee (Bank of the West “on us” check in excess of $50) $7.50 per check Outgoing International Wire $50 each Check Cashing Fee is waived for (1) deposit Account customers (excluding Basic Savings-only customers); (2) minors; (3) Bank of the West cashier’s checks, and (4) Bank of the West checks drawn on a deposit Account in the name of any government agency. US $ Direct Wire Repetitive Transfer– Phone Initiation $20 each Other Wire Services Tax Payments – Branch $30 each Check Printing Varies with style Drawdown (Reverse Wire) $35 each Sightline Checks for the visually impaired No charge Incoming Wire Notification Collection Fee Telephone Notification $15 each Domestic $20 per Item Mail Advice $4 each Foreign See below Manual Fax $8 each Copies of Deposit Slips or Paid Checks Tracer Requests Standard Requests or Telephone Banking Requests No charge for the first 2 copies per statement cycle, then $2 each Domestic $20 each International $35 each Instant requests $2 each Miscellaneous Copy of draft for POS Transaction $3 each Outgoing Domestic – Wire Repair $10 each Counter Check Fee $1 per check, minimum 4 checks Outgoing International – Wire Repair $10 each Deposited Item Returned $15 each Receiving Bank Repair Charge Varies Re-Deposited Item $4 each Returned Incoming Wire (Customer Request) $30 each Excess Withdrawal Fee (savings and money market Accounts) $15 each Returned Outgoing Wire Transfer $12 each Foreign Currency Wire Transfer Adjustment $30 each Exchange $5 per transaction Standing Orders (Automatically Recurring) Standard Shipping Fee $12 per transaction Domestic Wire $10 each Priority Shipping Fee $15 per transaction International Wire $15 each Foreign Drafts $45 each Book Transfer Wire $5 each Foreign Draft Stop Payment $30 each Maintenance $5 each Foreign Items Deposited Telephone Inquiry (Phone or Branch) $15 each Collection $50 per Item Pass Through (from Correspondents) $30 each Cash Letter $5 per Item Inactive Account Letter $2 each Legal Process (excluding subpoena) $150 per process Letter Providing Account Information $10 each Medallion Guarantee (Securities) $10 each Money Order $5 each Reconcile Accounts $10 each hour (or fraction thereof; $10 minimum) Stop Payment Fee (check, third party transfer, electronic) $35 each order Verification of Deposit $25 each Written Deposit Confirmation Fee $5 each Page 2 of 6 Form # 030-18685 (Rev. 12/01/18) AZ,CA,CO,IA,ID,KS,MO,ND,NE,NM,OK,OR,SD,UT,WA,WI,WY © 2018 Bank of the West. Member FDIC Page 3 of 6 Consumer Checking Type of Account1 Any Deposit Checking Minimum Amount to Open Any Amount Pays Interest No Monthly Service Charge $10 (waived for the first two (2) statement cycles for new Accounts) Ways to Waive Monthly Service Charge Make at least one (1) deposit of any amount to the Account during the statement cycle, such as direct deposit, mobile deposit, ATM deposit, or in-branch deposit (does not include fund transfers between Bank of the West Accounts or any credits from Bank of the West) OR Any owner on the Account under age 25 Paper Statement Fee $3/month per Account, charged each monthly statement cycle you receive a paper statement (fee also applies to each Account subject to the fee in a combined statement). Fee waived – if any account owner is age 65 years or older OR account ownership ineligible for Online Banking access OR account has Alternative Statement Option of Audio, Braille or Large Font. 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 this checking product, you may be offered an alternate checking product. Form # 030-18685 (Rev. 12/01/18) AZ,CA,CO,IA,ID,KS,MO,ND,NE,NM,OK,OR,SD,UT,WA,WI,WY Page 4 of 6 © 2018 Bank of the West. Member FDIC Consumer 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: $1,000 • Premium Money Market CD:$2,500 • 7-31 Day CD: $100,000 Premium Money Market IRA CD (91 days to 24 months): $100 Flexible IRA CD (12-60 months): $100 IRA Add-On CD1 (12 Months): $100 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: • Make a single transfer of $25 or more from a Bank of the West consumer checking Account through the Auto-Save program2 OR • Maintain an average monthly balance of at least $300 in this Account OR • Primary Account owner is age 18 or younger Meet at least one of the following each statement cycle: • Make a single transfer of $75 or more from a Bank of the West consumer checking Account through the Auto-Save program2 OR • Maintain an average monthly balance of at least $5,000 in this Account OR • Maintain a Bank of the West Premier Checking Account. Refer to the Bank of the West Premier Program disclosure for details. N/A N/A Early Withdrawal Penalty N/A N/A See Deposit Account Disclosure booklet for details. See Deposit Account Disclosure 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 fe
es 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 # 030-18685 (Rev. 12/01/18) AZ,CA,CO,IA,ID,KS,MO,ND,NE,NM,OK,OR,SD,UT,WA,WI,WY © 2018 Bank of the West. Member FDIC ATM and Debit Card Transaction Types and Limitations Card Type ATM Withdrawals and Transfers1 Point-of-Sale Transactions Cash Advances2 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 Card4 Unlimited Up to $500 per day Up to 30 merchant transactions per day Up to $3,500 worth of goods and services per day Unlimited Up to $1,000 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. Page 5 of 6 Form # 030-18685 (Rev. 12/01/18) AZ,CA,CO,IA,ID,KS,MO,ND,NE,NM,OK,OR,SD,UT,WA,WI,WY © 2018 Bank of the West. Member FDIC ADDENDUM TO THE DEPOSIT ACCOUNT DISCLOSURE For Personal Accounts (All States) This Addendum reflects a clarification to the Deposit Account Disclosure for Personal Accounts and is effective immediately. This Addendum, together with the applicable Schedule of Fees and Charges, Deposit Account Disclosure for Personal Accounts, current Rate Sheet, your signature card and any other addenda that were provided to you at Account opening or from time to time thereafter with reference to your deposit Account(s), form the agreement (“Agreement”) between you and Bank of the West (“Bank,” “we,” or “us”). Except as expressly stated below, all other terms and conditions in our Agreement with you continue in full force and effect. We reserve the right to add to, delete from, discontinue or otherwise amend any product, service, fee or charge, program or package offering at any time with such notice as is required by law. Maintaining your account after the effective date of this addendum constitutes your acceptance of the revised terms and conditions. Unless otherwise defined herein, the capitalized terms contained in this Addendum shall have the same meaning as the terms defined in the Agreement. New provision included as follows: Compliance with Non-US Tax Laws and Regulations This section is applicable to any individual non-resident alien and any individual non-resident Ultimate Beneficial Owner of a Private Investment Vehicle such as a trust or family partnership. You understand: • The responsibility to understand and comply with all tax obligations and requirements applicable to you under the laws and regulations of the country in which you reside and any other relevant jurisdiction. • The responsibility to seek, when necessary, independent professional advice. • The obligations include the obligation to disclose to all applicable tax authorities all accounts you hold with us, all assets and investments (including available investments, securities and other investments) deposited with us under your name or for which we are acting as intermediary, and any income or dividends resulting therefrom, as required by the applicable country’s laws and regulations. • Your obligations and requirements under the applicable tax laws and regulations. You affirmatively state to us that all your accounts with us, all assets and investments (including available investments, securities and other investments) deposited with us or for which we are acting as intermediary, and any income or dividends resulting therefrom, are currently and will continue to be fully disclosed to the tax authorities (or any other competent authority) in the country in which you reside (is located) and any other relevant jurisdiction. You agree: • To fully comply with all applicable tax laws. • To accept the consequences of the tax laws and regulations applicable to you. • That if any of the statements or agreements in this section are incorrect or in the future become incorrect, and you do not immediately correct the situation and prove the correction to us, we, in our sole discretion, may terminate the relationship with you without prior notice and without liability to you.
Schedule of Fees and Charges for Personal Deposit Accounts (Effective June 2, 2018)
Consumer Checking
Consumer Savings, Money Market, Certificate of Deposit and Individual Retirement Accounts
ATM and Debit Card Transaction Types and Limitations
Addendum to the Deposit Account Disclosure
Form # 030-18685 (Rev. 06/02/18) AZ,CA,CO,IA,ID,KS,MO,ND,NE,NM,OK,OR,SD,UT,WA,WI,WY
Page 1-2
Page 3
Page 4
Page 5
Page 6
© 2018 Bank of the West.
Member FDIC
Schedule of Fees and Charges
for Personal Deposit Accounts
Page 2 of 8
(Arizona, California, Colorado, Idaho, Iowa, Kansas, Missouri, Nebraska, New Mexico, North Dakota, Oklahoma, Oregon, South Dakota*, Utah, Washington, Wisconsin, Wyoming Branches)
Effective June 2, 2018
This Schedule applies to personal Accounts opened in the states referenced above. This Schedule, along with the Deposit Account Disclosure for Personal Accounts, current rate sheet, your current signature card, and any other
addenda that may be provided to you at Account opening or from time to time thereafter form the Agreement between you and Bank of the West (“Bank”) as to your checking, money market, savings, certificates of deposit, and
retirement Accounts (collectively, the “Agreement”). The Bank reserves the right to add to, delete from, discontinue, or otherwise amend any product, service, fee or charge, package or program offering at any time with such
notice as is required by law. To the extent that any of the terms or provisions of this Schedule of Fees and Charges conflict with those contained in any other document in the Agreement, the terms and provisions contained herein
shall control. Capitalized terms shall have the same meaning as in the Agreement, unless otherwise defined herein. We regret that this document is not available in languages other than English. Please make sure that you
understand all terms and conditions applicable to your deposit Account(s) and services.
ATM Cards and Debit Cards
ATM Card/Debit Card Purchases
ATM Statements
Overdrafts and Returned Items
Overdraft Fee or Returned Item Fee
$35 each Item
$5 Overdraft Buffer: No Overdraft Fees will be assessed on your checking or money market Account if at the end
of the Business Day your Account’s Available Balance is overdrawn by $5 or less after all transactions have
posted.
Daily Maximum: No more than five (5) Overdraft and/or Returned Item Fees will be applied on any one (1)
Business Day per checking or money market Account.
Overdraft Fee Eraser: Upon request, we will refund one
(1) Overdraft Fee or Returned Item Fee in a rolling 12
month period.
Extended Overdraft Fee: If your checking or money market Account
$30 on the sixth Business Day
remains overdrawn $15 or more for five (5) consecutive Business Days
Overdraft Programs
Savings Overdraft Protection Transfer Fee
$12 each day that a transfer occurs
Refer to the Gold Line Account
Gold Line (credit approval required)
Agreement and Disclosure Statement
Safe Deposit Box
Set-Up Fee
$20 per box
Annual Fee
Varies
Safe Deposit Box Forced Opening
Varies based on cost to Bank
Statements
Check Safekeeping
No charge
$2 per statement cycle.
Image Statement (front of checks only)
Money Market Accounts – no charge
Image Statement (front and backs of checks)
$3 per statement cycle
Copy of a Statement
$5 each
Ongoing Duplicate Statements
$5 each
Snapshot Statement
$2 each
Special Schedule Statements (off-cycle)
$5 each
Paper Statement Fee
$3/month per checking Account
Charged each monthly statement cycle you receive a paper statement (fee also applies to each checking
Account subject to the fee in a combined statement). Fee waived for Bank of the West Premier Checking OR if
any account owner is age 65 years or older OR account ownership is ineligible for Online Banking access OR
Account has Alternative Statement Option of Audio, Braille, or Large Font.
No charge
$2 each
Foreign Currency Transactions
MasterCard® Fee
Bank of the West Fee
Non-Bank of the West ATM Transactions
Balance Inquiry
Transfer
Withdrawal
Debit Card Cash Advance Withdrawal at a financial institution that
displays the MasterCard® Logo
ATM Card or Debit Card Reissuance (Lost or Stolen)
Expedited Domestic Delivery of ATM/Debit Card
Expedited International Delivery of ATM/Debit Card
Debit Rewards Annual Membership
IRA
IRA Annual Fee
IRA Transfer or Closing Fee
Night Depository
Annual Fee
Key Deposit (non-refundable)
Online Banking
External Transfers
Standard (3 business days) External Transfer – Web Fee
Next Business Day External Transfer – Web Fee
Zelle® Payments
Online Bill Pay
Same Day Online Bill Payment – Transaction Fee
Overnight Check – Transaction Fee
1% of transaction amount
2% of transaction amount
$2.50 per inquiry
$2.50 per transfer
$2.50 per withdrawal
$3 per withdrawal
$5 per card
$25 per card
$65 per card
$15 per year
$12 per plan
$25 per plan
$20 per year
$5 per key
$3 each
$10 each
No charge
$10.95 each
$17.50 each
*Doing business South Dakota as Bank of the West California
Form # 030-18685 (Rev. 06/02/18) AZ,CA,CO,IA,ID,KS,MO,ND,NE,NM,OK,OR,SD,UT,WA,WI,WY
Page 1 of 6
© 2018 Bank of the West.
Member FDIC
Other Charges
Account Research
Research Time
Item Copies
Cashier’s Check
Check Cashing Fee
(Bank of the West “on us” check in excess of $50)
$30/hour ($30 minimum)
$1 each
$10 each
$7.50 per check
Check Cashing Fee is waived for (1) deposit Account customers (excluding Basic Savings-only
customers); (2) minors; (3) Bank of the West cashier’s checks, and (4) Bank of the West checks drawn
on a deposit Account in the name of any government agency.
Check Printing
Sightline Checks for the visually impaired
Collection Fee
Domestic
Foreign
Copies of Deposit Slips or Paid Checks
Standard Requests or Telephone Banking Requests
Instant requests
Copy of draft for POS Transaction
Counter Check Fee
Deposited Item Returned
Re-Deposited Item
Excess Withdrawal Fee (savings and money market Accounts)
Foreign Currency
Exchange
Standard Shipping Fee
Priority Shipping Fee
Foreign Drafts
Foreign Draft Stop Payment
Foreign Items Deposited
Collection
Cash Letter
Inactive Account Letter
Legal Process (excluding subpoena)
Letter Providing Account Information
Medallion Guarantee (Securities)
Money Order
Reconcile Accounts
Stop Payment Fee (check, third party transfer, electronic)
Verification of Deposit
Written Deposit Confirmation Fee
Varies with style
No charge
$20 per Item
See below
No charge for the first 2 copies per
statement cycle, then $2 each
$2 each
$3 each
$1 per check, minimum 4 checks
$15 each
$4 each
$15 each
$5 per transaction
$12 per transaction
$15 per transaction
$45 each
$30 each
$50 per Item
$5 per Item
$2 each
$150 per process
$10 each
$10 each
$5 each
$10 each hour (or fraction thereof;
$10 minimum)
$35 each order
$25 each
$5 each
Form # 030-18685 (Rev. 06/02/18) AZ,CA,CO,IA,ID,KS,MO,ND,NE,NM,OK,OR,SD,UT,WA,WI,WY
Page 2 of 6
Wires
Incoming Wire (Domestic or International)
Outgoing Domestic
Wire
Direct Wire Repetitive Transfer–Phone Initiation
Outgoing International
Wire
US $ Direct Wire Repetitive Transfer– Phone Initiation
Other Wire Services
Tax Payments – Branch
Drawdown (Reverse Wire)
Incoming Wire Notification
Telephone Notification
Mail Advice
Manual Fax
Tracer Requests
Domestic
International
Miscellaneous
Outgoing Domestic – Wire Repair
Outgoing International – Wire Repair
Receiving Bank Repair Charge
Returned Incoming Wire (Customer Request)
Returned Outgoing Wire Transfer
Wire Transfer Adjustment
Standing Orders (Automatically Recurring)
Domestic Wire
International Wire
Book Transfer Wire
Maintenance
Telephone Inquiry (Phone or Branch)
Pass Through (from Correspondents)
$15 each
$35 each
$17 each
$50 each
$20 each
$30 each
$35 each
$15 each
$4 each
$8 each
$20 each
$35 each
$10 each
$10 each
Varies
$30 each
$12 each
$30 each
$10 each
$15 each
$5 each
$5 each
$15 each
$30 each
© 2018 Bank of the West.
Member FDIC
Consumer Checking
Type of Account1
Any Deposit Checking
Minimum Amount to Open
Any Amount
Pays Interest
No
Monthly Service Charge
$10 (waived for the first two (2) statement cycles for new Accounts)
Ways to Waive Monthly Service Charge
Make at least one (1) deposit of any amount to the Account during the statement cycle, such as direct deposit, mobile deposit, ATM deposit, or in-branch deposit (does not
include fund transfers between Bank of the West Accounts or any credits from Bank of the West)
OR
Any owner on the Account under age 25
Paper Statement Fee
$3/month per Account, charged each monthly statement cycle you receive a paper statement (fee also applies to each Account subject to the fee in a combined statement).
Fee waived – if any account owner is age 65 years or older OR account ownership ineligible for Online Banking access OR account has Alternative Statement Option of
Audio, Braille or Large Font.
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 this checking product, you may be offered an alternate checking product.
Form # 030-18685 (Rev. 06/02/18) AZ,CA,CO,IA,ID,KS,MO,ND,NE,NM,OK,OR,SD,UT,WA,WI,WY
Page 3 of 6
© 2018 Bank of the West.
Member FDIC
Consumer Savings, Money Market, Certificate of Deposit and Individual Retirement Accounts
Type of Account
Individual Retirement Accounts
(IRA CDs)
Premium Money Market IRA CD
(91 days to 24 months): $100
Flexible IRA CD (12-60 months): $100
IRA Add-On CD1 (12 Months): $100
Yes
Classic Savings
Choice Money Market Savings
Certificates of Deposit (CDs)
Minimum Amount to Open
$25
$100
• Flexible Term CD: $1,000
• Premium Money Market CD:$2,500
• 7-31 Day CD: $100,000
Pays Interest
Yes
Yes
Yes
Monthly Service Charge
$5
$15
N/A
N/A
Meet at least one of the following each
month:
• Make a single transfer of $25 or more from
a Bank of the West consumer checking
Account through the Auto-Save program2
OR
• Maintain an average monthly balance of at
least $300 in this Account
OR
• Primary Account owner is age 18 or
younger
Meet at least one of the following each
statement cycle:
• Make a single transfer of $75 or more from a
Bank of the West consumer checking Account
through the Auto-Save program2
OR
• Maintain an average monthly balance of at
least $5,000 in this Account
OR
• Maintain a Bank of the West Premier Checking
Account. Refer to the Bank of the West Premier
Program disclosure for details.
N/A
N/A
N/A
N/A
See Deposit Account Disclosure
booklet for details.
See Deposit Account Disclosure
booklet for details.
Ways to Waive Monthly Service
Charge
Early Withdrawal Penalty
Transaction Limits
Excess Withdrawal Fee
IRA Annual Fee
IRA Transfer or Closing Fee
Other Charges
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.
$15 each
$15 each
N/A
N/A
N/A
N/A
N/A
$12 per plan
N/A
N/A
N/A
$25 per plan
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 # 030-18685 (Rev. 06/02/18) AZ,CA,CO,IA,ID,KS,MO,ND,NE,NM,OK,OR,SD,UT,WA,WI,WY
Page 4 of 6
© 2018 Bank of the West.
Member FDIC
ATM and Debit Card Transaction Types and Limitations
Card Type
ATM Withdrawals and Transfers1
Dollar Amount
Frequency
Limitations3
Point-of-Sale Transactions
Cash Advances2
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 Card4
Unlimited
Up to $500 per day
Up to 30 merchant
transactions per day
Up to $3,500 worth of goods
and services per day
Unlimited
Up to $1,000 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 # 030-18685 (Rev. 06/02/18) AZ,CA,CO,IA,ID,KS,MO,ND,NE,NM,OK,OR,SD,UT,WA,WI,WY
Page 5 of 6
© 2018 Bank of the West.
Member FDIC
ADDENDUM TO THE DEPOSIT ACCOUNT DISCLOSURE
For Personal Accounts (All States*)
This Addendum reflects a clarification to the Deposit Account Disclosure for Personal Accounts and is effective immediately.
This Addendum, together with the applicable Schedule of Fees and Charges, Deposit Account Disclosure for Personal Accounts, cu
rrent Rate Sheet, your signature card and any other
addenda that were provided to you at Account opening or from time to time thereafter with reference to your deposit Account(s), form the agreement (“Agreement”) between you and Bank
of the West (“Bank,” “we,” or “us”). Except as expressly stated below, all other terms and conditions in our Agreement with you continue in full force and effect. We reserve the right to add
to, delete from, discontinue or otherwise amend any product, service, fee or charge, program or package offering at any time with such notice as is required by law. Maintaining your
account after the effective date of this addendum constitutes your acceptance of the revised terms and conditions. Unless otherwise defined herein, the capitalized terms contained in this
Addendum shall have the same meaning as the terms defined in the Agreement.
Rate Information on p. 40 is clarified to read: Interest rates are variable and are determined by Bank policy and market conditions. Within any product type the rates applicable to your
account may differ according to a variety of factors including the location of your Branch of Account, the day on which you open your Account, its daily balance and how long you have
had Accounts with us.
Form # 030-18685 (Rev. 06/02/18) AZ,CA,CO,IA,ID,KS,MO,ND,NE,NM,OK,OR,SD,UT,WA,WI,WY
Page 6 of 6
© 2018 Bank of the West.
Member FDIC