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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.
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.
If we provide you with electronic records during this process, and you want a copy in paper, you may contact us at 1.877.741.9378 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 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.
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.
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.
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.
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.
Annual Percentage Yields (APYs) accurate as of and are variable and subject to change without notice. Fees may reduce earnings. Minimum balance to open a Premium Money Market Account is $1,000. APYs and balance tier amounts associated with the end-of-day balance for the purpose of paying interest on a Premium Money Market account are: --% APY on balances --; --% APY on balances --; --% APY on balances --; --% APY on balances --; --% APY on balances --; --% APY on balances --; --% APY on balances --; --% APY on balances --. Monthly service fee of $10 will apply if the average monthly balance falls below $10,000.
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.
See Fee Schedule and View Agreement for details
1 Account is limited to a total of six (6) preauthorized or automatic transfers or withdrawals, electronic banking transfers between other OneWest accounts, transfers to an overdrawn checking account, withdrawals by check or draft, point of sale (POS) debits or similar order per statement cycle period. An excess activity fee will be charged each time the transaction limits are exceeded. Please refer to our Fee Schedule and “Consumer Products and Fees” section in the Account Disclosures Brochure applicable to your account.
You have selected a link to a website outside of OneWest Bank. While we offer these links for your convenience, please be aware that these sites do not share our stated Privacy and Security Policies, and OneWest Bank does not endorse, guarantee or monitor the content or availability of such external websites.