Westamerica Interest Checking

$0 a year for an everyday customer. $4 a month. $100 to open.

Checked Nov 8, 2026Updated Oct 22, 2026

A year, everyday customer: $0
Monthly fee: Receipt · Monthly feeChecked Nov 8, 2026
Issuer document · westamerica.com · PDF
The source states this figure; we have no exact sentence on file yet.
Open on westamerica.com (PDF)Report a problem
To open: Receipt · Minimum to openChecked Nov 8, 2026
Issuer document · westamerica.com · PDF
The source states this figure; we have no exact sentence on file yet.
Open on westamerica.com (PDF)Report a problem

Against the market

How it ranks

#387of 1043 checking accounts, by a year’s value for an everyday customer

From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.

In the bank’s words

Balance needed for the APY: $1,000westamerica.com, checked Nov 8, 2026
To earn the APY: daily collected balances of $1,000 or morewestamerica.com, checked Nov 8, 2026
Interest compounds: Interest will not compound and will be computed on a simple interest, three hundred sixty-five (365) day basis (three hundred sixty-six (366) day basis during leap years). Interest will be credited monthly.westamerica.com, checked Nov 8, 2026

Monthly fee: $4 a monthwestamerica.com, checked Nov 8, 2026
Ways to avoid the monthly fee: Any one of these:
a minimum daily balance of $1,500
an average daily balance of $3,000
westamerica.com, checked Nov 8, 2026
Minimum to open: $100westamerica.com, checked Nov 8, 2026
Overdraft fee: $35westamerica.com, checked Nov 8, 2026
Returned item (NSF) fee: $35westamerica.com, checked Nov 8, 2026
Overdraft transfer fee: $12westamerica.com, checked Nov 8, 2026
Most overdraft fees in a day: 210westamerica.com, checked Nov 8, 2026
Out-of-network ATM fee: $2.50westamerica.com, checked Nov 8, 2026
Foreign transaction fee (debit card): 3%westamerica.com, checked Nov 8, 2026
Incoming domestic wire: $15westamerica.com, checked Nov 8, 2026
Outgoing domestic wire: $40westamerica.com, checked Nov 8, 2026
Incoming international wire: $15westamerica.com, checked Nov 8, 2026
Outgoing international wire: $50westamerica.com, checked Nov 8, 2026
Cashier’s check: $10westamerica.com, checked Nov 8, 2026
Stop payment: $30westamerica.com, checked Nov 8, 2026
Card replacement: $5westamerica.com, checked Nov 8, 2026

FDIC-insured, up to $250,000 per depositor, per ownership category: FDIC BankFind.

Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees

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