Premium Checking

0.25%APY
Annual Percentage Yield on
balances of $25,000 or more
Read Disclosures

Earn high-yield interest and essential checking benefits

  • Access to 24/7 banking through online, mobile and an automated telephone system
  • Free OneWest Online Banking with Bill Pay
  • Unlimited check writing

Open an Account

  • Features
  • Rates

Checking Features

  • Mobile Banking Icon offMobile Banking Icon on
  • Free OneWest Bank Debit CardFree OneWest Bank Debit Card
  • 24/7 Banking Access24/7 Banking Access
  • Unlimited Check WritingUnlimited Check Writing
  • Convenient ATM AccessConvenient ATM Access
  • Free Online Bill PayFree Online Bill Pay
  • Mobile Banking

    Enjoy the convenience and accessibility of banking on-the-go, 24/7 from your smart phone or tablet (iOS or Android. Your wireless carrier's standard data and message rates may apply.)

  • Free OneWest Bank Debit Card

    Use our debit card to make everyday purchases and enjoy free access to all OneWest ATMs.

  • 24/7 Banking Access

    Access to 24/7 banking through online, mobile and an automated telephone system.

  • Unlimited Check Writing

    Enjoy the convenience of unlimited check writing. This is one of the many ways we take care of our customers, One Person at a Time®.

  • Convenient ATM Access

    With a OneWest Bank debit card, you get free access to our conveniently located ATMs throughout Southern California.

  • Free Online Bill Pay

    Keeping track of all those bills can be difficult. Make life easier and use our free Online Bill Pay. It's easy, quick, and convenient.

BalanceInterest RateAPY
< $1,0000.100 %0.10 %
$1,000 to $4,9990.100 %0.10 %
$5,000 to $9,9990.100 %0.10 %
$10,000 to $24,9990.100 %0.10 %
$25,000 to $49,9990.250 %0.25 %
$50,000 +0.250 %0.25 %
Open an Account

The Annual Percentage Yields (APY) and interest rates are effective as of 11/05/2016. Fees may reduce earnings. Checking APYs and interest rates are variable and may change at any time without prior notice, including after account opening. The minimum opening balance for Personal Checking is $25, Premium Checking is $1,000, and OneAccount is $50,000. See Fee Schedule and Account Disclosures for details.

To obtain the interest rate and APY disclosed, the minimum balance for the applicable balance tier must be maintained.

Bank with Southern California's Trusted Bank

Since we first opened our doors, we've been committed to our neighbors. OneWest Bank was founded as a regional bank, dedicated to customer service and a commitment to the community. As a division of CIT Bank, N.A., that commitment continues and we're proud to be Southern California's hometown bank.

FDIC Insured up to $250,000

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.

Open an Account Return to Checking Overview

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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.

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