Find Your Banking Solution

Whether you are looking for a basic checking account, savings account or certificate of deposit, we offer solutions to help you achieve your goals.

 
Checking
Savings and Money Market
Certificates of Deposit
 
Description
Minimum to Open
Earns Interest
Interest Rate Tiers
Monthly Service Charge
Check Writing
OneWest ATM / Debit Card
Free OWB ATM Cash Withdrawals
ATM Surcharge Rebates
Checks
Online Banking / Bill Pay
Overdraft Protection
Extras
 
Personal Checking
Basic checking with great benefits and no monthly fees
Minimum to Open:
$25
Interest Bearing:
No
Interest Rate Tiers:
N/A
Monthly Fee:
$5 waivable fee 

$5 waived if:

  • Maintain a $1,000 average monthly balance
  • Elect to receive eStatements
  • Account holder is a Senior (at least 55 years of age)
  • One of the account holders is a minor (less than 18 years old)
Checkwriting:
Unlimited
OWB ATM Debit Card:
Yes
Free OWB ATM Cash Withdrawals:
Yes
ATM Surcharge Rebates:
Less than $4,999: No Rebates
$5,000 to $9,999: Up to $10/mo
$10,000 to $24,999: Up to $20/mo
$25,000 to $49,999: Up to $20/mo
$50,000 or more: Up to $20/mo
Checks:
First order free
Online Banking / Bill Pay:
Free
Overdraft Protection:
Yes
Extras:
  • Convenience of combined monthly statements with other OneWest banking products
  • eStatements
  • Access to 24/7 banking through online, mobile and an automated telephone system
  • Online banking funds transfer
  • Free first order of OneWest Checks
  • Free OneWest Online Banking with Bill Pay
  • OneWest Debit Card with free access to OneWest ATMs
  • Unlimited check writing
Open an Account
Premium Checking
Earn high-yield interest and essential checking benefits
Minimum to Open:
$100
Interest Bearing:
Yes
Interest Rate Tiers:
< $1,000
$1,000 to $4,999
$5,000 to $9,999
$10,000 to $24,999
$25,000 to $49,999
$50,000+
Monthly Fee:
$10 waivable fee 

$10 waived if:

  • Maintain a $1,000 average monthly balance
Checkwriting:
Unlimited
OWB ATM Debit Card:
Yes
Free OWB ATM Cash Withdrawals:
Yes
ATM Surcharge Rebates:
< $4,999: No Rebates
$5,000 to $9,999: Up to $10/mo
$10,000 to $24,999: Up to $20/mo
$25,000 to $49,999: Up to $20/mo
> $50,000: Up to $20/mo
Checks:
First order free
Online Banking / Bill Pay:
Yes
Overdraft Protection:
Yes
Extras:
  • Convenience of combined monthly statements with other OneWest banking products
  • eStatements
  • Access to 24/7 banking through online, mobile and an automated telephone system
  • Online banking funds transfer
  • Free first order of OneWest Checks
  • Free OneWest Online Banking with Bill Pay
  • OneWest Debit Card with free access to OneWest ATMs
  • Unlimited check writing
Open an Account
OneAccount Checking
Personalized high yield checking that pays like a money market account
Minimum to Open:
$1,000
Interest Bearing:
Yes
Interest Rate Tiers:
< $1,000
$1,000 to $4,999
$5,000 to $9,999
$10,000 to $24,999
$25,000 to $49,999
$50,000 to $99,999
$100,000+
Monthly Fee:
$25 waivable fee 

$25 waived if:

  • Maintain a $10,000 average monthly balance
Checkwriting:
Unlimited
OWB ATM Debit Card:
Yes
Free OWB ATM Cash Withdrawals:
Yes
ATM Surcharge Rebates:
< $4,999: No Rebates
$5,000 to $9,999: Up to $10/mo
$10,000 to $24,999: Up to $20/mo
$25,000 to $49,999: Up to $20/mo
> $50,000: Unlimited
Checks:
Free
Online Banking / Bill Pay:
Free
Overdraft Protection:
Yes
Extras:
  • Convenience of combined monthly statements with other OneWest banking products
  • eStatements
  • Access to 24/7 banking through online, mobile and an automated telephone system
  • Online banking funds transfer
  • Unlimited free OneWest Checks
  • Free OneWest Online Banking with Bill Pay
  • OneWest Debit Card with free access to OneWest ATMs
  • Unlimited check writing
Open an Account
 
Description
Minimum to Open
Earns Interest
Interest Rate Tiers
Monthly Service Charge
Check Writing
OneWest ATM / Debit Card
Extras
 
Personal Savings
Performance, convenience and security.
Minimum to Open:
$100
Interest Bearing:
Yes
Interest Rate Tiers:
Tiered and Variable
< $1,000
$1,000 to $4,999
$5,000 to $9,999
$10,000 to $24,999
$25,000 to $49,999
$50,000+
Monthly Fee:
$3 waivable fee 

$3 waived if:

  • Maintain a $1,000 average monthly balance
  • Elect to receive eStatements
  • Account holder is a Senior (at least 55 years of age)
  • One of the account holders is a minor (less than 18 years old)
Checkwriting:
Optional and limited
OWB ATM Debit Card:
Yes
Extras:
  • Convenience of combined monthly statements with other OneWest banking products
  • eStatements
  • Online Banking Funds Transfer
  • Access to 24/7 banking through online, mobile and an automated telephone system
  • Optional limited check writing privileges
Open an Account
Green Savings
High-yield savings with convenient online account management
Minimum to Open:
$100
Interest Bearing:
Yes
Interest Rate Tiers:
Tiered and Variable
< $1,000
$1,000 to $4,999
$5,000 to $9,999
$10,000 to $24,999
$25,000 to $49,999
$50,000+
Monthly Fee:
$0
Checkwriting:
No
OWB ATM Debit Card:
No Debit Card or ATM access
Extras:
  • Convenience of combined monthly statements with other OneWest banking products
  • eStatements
  • Online Banking Funds Transfer
  • Access to 24/7 banking through online, mobile and an automated telephone system (No ATM access)
  • Available online only
Open an Account
Premium Money Market
Get the power of a Premium Money Market Account!
Minimum to Open:
$1000
Interest Bearing:
Yes
Interest Rate Tiers:
Tiered and Variable
< $1,000
$1,000 to $4,999
$5,000 to $9,999
$10,000 to $24,999
$25,000 to $49,999
$50,000 to $99,999
$100,000+
Monthly Fee:
$10 waivable fee 

$10 waived if:

  • Maintain a $10,000 average monthly balance
Checkwriting:
Limited
OWB ATM Debit Card:
Yes
Extras:
  • Convenience of combined monthly statements with other OneWest banking products
  • eStatements
  • Online Banking Funds Transfer
  • Access to 24/7 banking through online, mobile and an automated telephone system
  • Limited check writing privileges
Open an Account
 
Description
Minimum to Open
Earns Interest
Interest Rate Tiers
Monthly Service Charge
Check Writing
OneWest ATM / Debit Card
Withdrawals
Grace Period
Extras
 
Custom Term CD
Our versatile CDs are tailored for both high performance and your savings needs.
Minimum to Open:
$1,000
Earns Interest:
Yes, Fixed for Term of CD
Interest Rate Tiers:
N/A
Monthly Fee:
No
Checkwriting:
Not Available
OWB ATM Debit Card:
Not Available
Free OWB ATM Cash Withdrawals:
Only at Maturity
Grace Period:
7 Days

For CDs that automatically renew, there is a seven-day grace period, which begins on the maturity date, when funds can be transferred to another account or withdrawn without penalty.

Extras:
  • Access to 24/7 banking through online, mobile and via an automated telephone
  • Competitive rates
  • Terms of 3 months to 5 years
Available through any branch or call center.
Online CD
Our versatile CDs are tailored for both high performance and your savings needs.
Minimum to Open:
$1,000
Earns Interest:
Yes, Fixed for Term of CD
Interest Rate Tiers:
N/A
Monthly Fee:
No
Checkwriting:
Not Available
OWB ATM Debit Card:
Not Available
Free OWB ATM Cash Withdrawals:
Only at Maturity
Grace Period:
7 Days

For CDs that automatically renew, there is a seven-day grace period, which begins on the maturity date, when funds can be transferred to another account or withdrawn without penalty.

Extras:
  • Access to 24/7 banking through online, mobile and via an automated telephone
  • Competitive rates
  • Terms of 3 months to 5 years
Open an Account

Enter Zip Code

Your zip code will help us identify which products are offered in your area.

 

E-SIGN AGREEMENT FOR ONLINE ACCOUNT OPENING

As part of your establishing a new deposit account with us through the Online Account Opening process, you are entitled by law to receive certain information in writing. The federal E-SIGN Act allows us to provide this information to you electronically, instead, with your prior consent. Therefore, before you open a new deposit account through this process, you must review and consent to the terms outlined below.

In this consent, "we", "us", "our", and "bank" are used to refer to OneWest Bank whose account(s) are obtained through the Online Account Opening process. "You" and "your" refer to the person giving this consent.

Your Consent to Use Electronic Records and Signatures
Disclosures and other information we provide to you during this process may be in electronic format ("electronic records"). We may also use and obtain from you electronic signatures (for example, your clicking a button as evidence of your consent or agreement to something). However, we will deliver your periodic account statements on paper unless you elect to do so by agreeing to such service.

Your Option to Receive Paper Copies
If we provide you with electronic records during this process, and you want a copy in paper, you may contact us at 877.741.9378 or visit one of our branches and request a paper version. The paper version will be mailed to you at no cost.

Your Consent Only Covers This Deposit Account
Your consent only covers the electronic records applicable to opening this deposit account through the Online Account Opening process. You will be required to provide your consent each time that you open a deposit account through this process.

You May Not Withdraw Your Consent
Once your account is opened through the Online Account Opening process, you may not withdraw your consent to use electronic records and signatures as this consent only applies to electronic records applicable to the opening of this deposit account.

You Must Keep Your Email or Electronic Address Current With Us
In order for us to be able to provide you with important notices and information related to the opening of this deposit account, you must ensure that the contact information that you enter during the Online Account Opening process is correct. This includes, but is not limited to, name, address, phone numbers, and e-mail addresses.

Hardware and Software You Will Need
To open this deposit account through the Online Account Opening process, Internet Browser software that supports RC4 with 128-bit encryption, a current version of a program that accurately reads and displays PDF files (such as Adobe Acrobat Reader), a printer if you wish to print out and retain records, disclosures, etc. on paper, and a current and valid e-mail address are required. You are responsible for the installation, maintenance, and operation of the computer and browser software that you use during the Online Account Opening process.

Supported
PC Platform
Windows 7 Internet Explorer 11, Mozilla Firefox® 47.0, Google Chrome™ 51.0
Windows 8.1 Internet Explorer 11, Mozilla Firefox® 47.0, Google Chrome™ 51.0
Windows 10 Internet Explorer 11/Edge, Mozilla Firefox® 47.0, Google Chrome™ 51.0
Macintosh Platform
Mac OS X 10.10
(Yosemite™)
Apple Safari® 9.0, Mozilla Firefox® 47.0
Mac OS X 10.11
(El Capitan™)
Apple Safari® 9.0, Mozilla Firefox® 47.0
iPad® Apple Safari® 8.0
iPad® mini Apple Safari® 7.1

Your Ability to View Electronic Disclosures
Please click this link GENERAL DISCLOSURES to verify that you are able to view the electronic disclosures related to the opening of this deposit account. You do not need to read them now. You will be given the opportunity to read and agree to them later in the Online Account Opening process.

Please indicate your consent to use electronic records for the purpose of opening this deposit account through the Online Account Opening process by clicking the "ACCEPT" button below. By providing your consent, you are also confirming that you have the hardware and software described above, and that you are able to view electronic records. You are also confirming that you are authorized to, and do, consent on behalf of all co-owners of the deposit account being opened

Important Information About FDIC Insurance Coverage

OneWest Bank, a division of CIT Bank, N.A. and CIT Bank, N.A. are the same FDIC-insured institution. Deposits held under each name are not separately insured, but are combined to determine whether a depositor has exceeded the $250,000 federal deposit insurance limit, per depositor for each account ownership category. For purposes of calculating aggregate deposits held in OneWest Bank, a division of CIT Bank, N.A., you should include deposits held in CIT Bank, N.A.

By clicking "ACCEPT" below I acknowledge receipt of the foregoing disclosure about FDIC Insurance coverage.

Accept Close
 

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