Bank of the West promotions, bonuses, and offers can be found updated here.
Currently, they are offering a $25 Referral checking bonus when you meet the qualifications below. You can receive up to 40 referral bonus deposits (totaling $1,000) per calendar year.
Typical checking account bonuses range from $150, $200 and $300 with investment services offers from $200 up to $2,500.
About Bank of the West Promotions
In 1874, Bank of the West opened its doors on the California frontier as Farmers National Gold Bank. One of just 10 banks nationwide authorized to issue paper currency backed by gold reserves, the San Jose bank helped people build homes, finance farms, and grow their businesses. In 1979, they changed their name to Bank of the West.
Today, they have branches and commercial banking offices across the West Coast, the Southwest, the Midwest, and the Rocky Mountain states.
I’ll review the Bank of the West Promotions below.
Bank of the West $25 Referral Bonus

Refer a friend & get rewarded!
Bank of the West is offering a $25 referral bonus when you refer a friend or family member to open a new qualifying checking account and complete certain requirements.
- What you’ll get: $25 bonus
- Account Type: Personal Checking Account
- Availability: AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY (Bank Locator)
- Direct Deposit Requirement: No
- Credit Inquiry: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: $500 max, VISA/MC only
- Monthly Fees: $0-$25; waivable
- Early Account Termination Fee: None Listed
- Household Limit: Unknown
(Expires December 31, 2022)
BMO Smart Money Checking ($350 cash bonus) | BMO Smart Advantage Checking ($350 cash bonus) |
Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
First Tech Rewards Checking ($300 bonus) |
How To Earn Bonus
- Enter your information into the referral form to receive your promo code
- Share your promo code and link with your friends
- Get $25 when your friend opens a qualifying checking account
- By participating in this program, each party consents that Bank of the West is permitted to share information regarding the customer relationship status to both the program referring customer and to the referred friend or family member for the purposes of confirming Refer-a-Friend eligibility.
- Confidential account and personal information will not be shared to the program referring customer or referred friend or family member.
- To receive the $25 Refer-a-Friend bonus: 1) Refer your family members and friends to open a new Bank of the West personal checking account with qualifying activities through the referral site or visit a local branch; 2) Referred candidate must be a new Bank of the West customer and open a new eligible personal checking account using the corresponding promo code to apply in branch or through the Refer-a-Friend offer page link; 3) After your referred friend or family member has opened a new Bank of the West personal checking account and has fulfilled the qualifying activities, the $25 referral bonus will be deposited to your primary Bank of the West checking account within 120 days.
- Your checking account must be in open status and have a positive balance (greater than $0 balance) in order to receive the bonus.
- You can receive up to 40 referral bonus deposits (totaling $1,000) per calendar year.
Bank of the West $250 Checking Bonus *Expired*

$250 Checking Bonus
Bank of the West is offering a $250 checking bonus with any deposit checking and meet certain requirements.
- What you’ll get: $250 bonus
- Account Type: Checking Account
- Availability: AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY (Bank Locator)
- Direct Deposit Requirement: Yes, $1000+ for the first three months
- Credit Inquiry: Soft Pull
- ChexSystem: Yes
- Credit Card Funding: $500 max, VISA/MC only. *Recent data points may be coding as cash advance*
- Monthly Fees: $10, avoidable
- Early Account Termination Fee: $25 fee if closed within 91 days
- Household Limit: One
(Offer expires September 30, 2022)
BMO Smart Money Checking ($350 cash bonus) | KeyBank Checking ($300 bonus) |
Chase Private Client ($3,000 Bonus) |
How To Earn Bonus
- Open an account by September 30, 2022
- Make direct deposits of $1,000 or more for 3 months in a row
- Apply for a new, qualifying consumer checking account with a promotion code between 07/11/2022 and 9/30/2022—the account must be opened by 10/14/2022. Account must be opened online at www.bankofthewest.com/checkingbonus or in a branch. Qualifying checking accounts are consumer checking accounts, excluding UCB Student Checking and Bank of the West Premier Checking accounts.
- Customer must make qualifying direct deposits of $1,000 or more, monthly for three consecutive calendar months within the corresponding qualification period, detailed below. All direct deposits must go to the new checking account. One or more separate direct deposits in a single calendar month that add up to $1,000 qualify. Fulfillment of the offer requirements is based on calendar months which may not coincide with statement cycles. For example, for accounts opened in July, three months of sequential direct deposits made in July, August and September; August, September and October; September, October and November; or October, November and December would each qualify.
- A qualifying direct deposit must be payroll, Social Security, pension or other government benefits. Non-qualifying direct deposits include transfers from Bank of the West or Bank of the West affiliate accounts, credits from Bank of the West, ACH bank-to-bank transfers, person-to-person transfers using a mobile payments service such as Zelle®, or deposits made at a branch or ATM. Qualifying direct deposits must be funds new to the Bank.
Bank of the West $600 Checking Savings Bonus *Expired*

Earn a $600 Checking Savings Bonus
Open a Premier Checking account or both a Premier Checking and Choice Money Market Savings account to earn a generous $600 bonus.
- What you’ll get: $600 bonus
- Account Type: Checking, Savings Account
- Availability: AZ, CA, CO, ID, IA, KS, MN, MO, NE, NV, NM, ND, OK, OR, SD, UT, WA, WI, WY
(Expires 08/06/2021)
BMO Smart Money Checking ($350 cash bonus) | BMO Smart Advantage Checking ($350 cash bonus) |
Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
KeyBank Key Smart Checking ($300 bonus) | SoFi Checking and Savings ($325 bonus) |
First Tech Rewards Checking ($300 bonus) |
How to Earn Bonus
- $500 Bonus:
- You’ll earn $500 when you open a Premier Checking account by 8/06/21, deposit at least $25,000 the same month, and maintain a $25,000 average monthly balance for three full calendar months.
- $100 Bonus:
- Earn an additional $100 when you open a Choice Money Market Savings account with a new Premier Checking account by 8/06/21.
- Deposit at least $10,000 the same month and maintain a $10,000 average monthly balance for three full calendar months
- Offer end date and availability subject to approval and change without prior notice.
- All accounts are subject to the Bank’s standard terms and conditions and Schedule of Fees and Charges.
- Offer is not available to existing Bank customers with an open consumer deposit account as of 05/31/21.
- Offer available only to one individual residing at this address that received the mail piece with this checking offer.
- If opening your new account(s) at a branch, bring the mailer containing the promo code with you.
- If redeeming this offer online, you must apply through the dedicated offer webpage at bankofthewest.com/premierbonus.
- Applications submitted through other pages on our website will not qualify for this offer.
- Bank of the West Premier Checking and Choice Money Market Savings balance requirements below must be strictly adhered to in order to receive the bonus.
Bank Of The West $150 Business Checking Bonus *Expired*
- What you’ll get: Up to $150
- Account Type: Checking
- Where it’s available: AZ, CA, CO, IA, ID, KS, MN, MO, ND, NE, NM, NV, OK, OR, SD, UT, WA, WI, WY
Chase Business Checking ($300 or $500 Bonus) | Bank of America Business Checking ($200 bonus offer) |
U.S. Bank Business Checking ( $500 or $900 Bonus) | Axos Bank Basic Business Checking ($400 Bonus) |
Axos Bank Business Interest Checking ($400 Bonus) | Huntington Unlimited Plus Business Checking ($1,000 Bonus) |
Huntington Unlimited Business Checking ($400 Bonus) | Bluevine Business Checking ($300 Bonus) |
Axos Business Premium Savings ($375 Bonus) |
How To Earn Bonus
Open Any Deposit Checking for Business account and earn a $25 bonus each month you make any deposit for up to six months.
- $100 minimum opening deposit required between September 1, 2020 and September ?30, 2020 and make any deposit within the same calendar month in which the account was opened.
- $25 bonus will be credited to the account by the end of the month immediately following the calendar month in which the account was opened.
- If customer does not make the first deposit in the same calendar month in which the account was opened, the customer will not be eligible for the initial $25 bonus or any of the additional $25 bonuses.
- Requirements to receive up to five (5) additional $25 bonuses: Make any qualifying deposit into the Any Deposit Checking for Business account in each of the five (5) consecutive calendar months immediately following the month of account opening.
- For each of the five (5) consecutive months that a deposit is made, a $25 bonus will be credited to the account by the end of the month immediately following the calendar month that the deposit was made.
- NOTE: Bonuses earned from qualifying deposits made in November will be paid out in January.
- If a deposit is not made in any one of the subsequent five (5) calendar months following the month in which the account was opened, the customer will not be eligible for the $25 for the month that the deposit was missed AND they will not be eligible for any additional $25 monthly bonuses after that missed month.
- Bonus Limitations: Offer not available to existing Bank of the West customers with an open business checking account as of August 31, 2020.
- If the customer received or may receive any other business checking bonus from Bank of the West between September 28, 2018 and September 30, 2020, then the customer is not eligible for this bonus offer.
- Limit one (1) business checking bonus per customer.
- Account must be in open status with a balance greater than $0 at the end of each calendar month of the six-month period to qualify for any bonuses.
- Offer dates, terms, and conditions subject to change without notice. Bank will classify bonus as interest paid to the checking account.
- Any applicable taxes associated with this offer are the responsibility of the account holder.
- To the extent required by law, Bank will report value of each monthly bonus to the IRS on form 1099 for the applicable year in which the bonus was paid.
- All accounts are subject to Bank’s standard terms and conditions and Schedule of Fees and Charges. Maximum of six (6) $25 bonuses for a maximum total bonus of $150.
- Qualifying deposit for receiving bonus may be for any amount and includes direct deposit, mobile deposit, ATM deposit, or in-branch deposit (but does not include fund transfers between Bank of the West accounts or any credit from Bank of the West).
How To Waive Monthly Fees
- Any Deposit Checking: None
- Performance Money Market: None
- Any Deposit Checking: $10 monthly fee waived with one deposit of any amount ($0.01 or more) each statement cycle or if any account owner is under 25 years of age.
- 1% for the Planet Checking: $10 monthly fee waived with one deposit of any amount ($0.01 or more) each statement cycle or if any account owner is under 25 years of age.
- Premier Checking: $25 monthly service charge waived with minimum combined average balance of at least $25,000 in Eligible Accounts.
- Classic Savings: $5 monthly fee waived with any of the following:
- Maintain an average monthly balance of $300 ($50 in Minnesota)
- Use Auto-Save to set up recurring monthly transfers of $25 or more from any Bank of the West personal checking account to your Classic Savings account
- If the primary account holder is 18 years old or younger
- Choice Money Market: $15 monthly fee waived with any of the following:
- Maintain an average monthly balance of $5,000
- Use Auto-Save to set up a recurring monthly transfer of $75 or more from any Bank of the West personal checking account to your Choice Money Market Savings account
- Maintain a Bank of the West Premier Checking Account. Refer to the Bank of the West Premier Program disclosure for details.
- Any Deposit Checking for Business: $10 monthly service charge will be waived when you make any deposit each month.
- Classic Business Checking: $25 monthly service charge will be waived with any of the following:
- Maintain a minimum daily balance of at least $5,000
- Maintain an average monthly combined balance of $15,000 in linked Business Money Market, Savings, or CD accounts
- Have a Bank of the West Merchant Services account8 linked to your Classic Business Checking account
- Have a Bank of the West Business Credit Card account with the same primary owner as your Classic Business Checking account
- Choice Business Checking: $40 monthly service charge will be waived with any of the following:
- Maintain a minimum daily balance of at least $25,000
- Maintain an average monthly combined balance of $50,000 in linked Business Money Market, Savings, or CD accounts
- Classic Business Savings: $5 monthly service charge waived with any of the following:
- Set up Auto-Save with an automatic recurring monthly transfer of $100 or more from any Bank of the West business checking account
- Maintain an average monthly balance of $500 or more
- Business Money Market Advantage: $10 monthly service charge will be waived when you maintain a minimum daily balance of $1,000.
- Business Money Market Advantage: $15 monthly service charge will be waived when you maintain an average monthly balance of $10,000 or more.
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Bottom Line
Bank of the West is currently offering a wide variety of bonuses, promotions, and offers as well as great account features to help you in any situation.
However, this bonus is only available for a limited time, so I would recommend you act soon if this sounds like something you are interested in. Your feedback is highly appreciated and makes our site even better!
While they have generous checking bonuses, Bank of the West doesn’t have great rates for CDs and Savings. You may want to check out our full list of Bank Rates and CD Rates.
*Compare Bank of the West Promotions to more bank bonuses from Citi, Huntington, HSBC, Chase, TD, Discover Bank, Aspiration, Axos Bank, PNC Bank, BMO Harris, SoFi, Fifth Third Bank, Bank of America, Wells Fargo, US Bank, and more!
*Check back at this page for updated Bank of the West promotions, bonuses, and offers.