Bank of the West Mobile App

I cannot begin to explain how this bank has changed my holiday beyond belief. I did not expect to receive the experience that I have today but please believe when I say... this is a family oriented bank. I know off hand because they have gone over and beyond for just a basic customer who only has a checking account. My job uses this bank which is why I opened an account here. Knowing they have big corporate accounts, and yet still go out of their way for a small checking account like mine truly shows that they appreciate ALL THEIR CUSTOMERS. If you want a bank that cares for you... this is the one! Thank you very much BANK OF THE WEST for all you do!

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I have been with this bank for more than 15 years. I have used the accounts as my main accounts for auto deposits and auto billing. I was depositing and spending thousands of dollars every month. I have a credit score of over 800. I have had many unfavorable encounters with Bank of The West. The most recent which was the icing on the cake caused me to move all my auto deposits and auto Billings to a different financial institution. Keep in mind this is just one of many. My credit card that I used on a daily basis had a crack in it. I called the bank and they said they would send me another. That was fine I had this happen before and it was not a problem. This time however they cancelled the card I was using and never told me they were cancelling it. Meanwhile I starting getting notices of bounced or rejected payments for bills I had on auto payment with that card. When I called them they pretty much said that was my problem and not theirs since it is their policy to cancel the cracked card immediately after I called them. The last time this happened I continued using my card until the new one arrived. They never said anything either time about this policy. I then proceeded to change everything to a different bank and will no longer rely on BOW for any consistent banking.

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I’ve synced up a credit card with my eBills so that it will inform me of my minimum payment due and my owed balance. When I want to pay the bill it gives 3 options- minimum payment, full balance or other. It is automatically selected as full balance. Now, I’ll admit I could have been more careful during the payment process but basically I selected to pay $4,300 to my credit card when I meant to make a minimum payment. The payment processed and left my account at -$2,900. Called Bank of the West and they said they couldn’t reverse it and they even said Bank of America wouldn’t return the payment (BofA did return the payment first thing next morning. God bless Bank of America, there customer service was 1000x better then Bank of the West). I’m opted out of debit OD services so that payments will just get declined instead of processed and then OD fees added but apparently there is an overdraft service for bill pay and checks that customers are automatically opted in to and will acquire overdraft fees as needed. Talk to your bank about this and opt out of it. This could have been a disaster for my family.

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This is the worse bank ever. Made a deposit in mobile banking on January 25th. Received a confirmation that deposit was accepted. Money in account on the 28th. Then without notice deposit is reversed. I did not receive any communication that deposit was reversed. Saw my account was overdrawn , telephoned, on hold extended time. Requested to speak with a supervisor. Employee named Melissa in Claims said she was a supervisor then said she was not. Then Melissa said her supervisor refused to speak with me. I requested supervisors name and Melissa hung up on me. I had to call back. Finally, spoke with Shannon, Supervisor in the Core Department in Fargo ND. She said that B of W is not required to notify customers when they reverse a deposit because they can’t read the deposited check. Refused to refund any fees. Said she would check into it. Bank of the West charged $72 in transfer fees from my overdraft protection account. So, hour long phone call to be told “we don’t care”. Employees hung up on me and did no bother to call back. This bank is the worse.

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It’s fine when, and only when, it works. It’s not a great or well designed app but it mostly does the job. Except for all the times both the app and the website simply do not function. Happens way more than you would expect, especially from *your bank.* It’s extra fun when the app and website are broken on payday, like all day today (still broken), when you have to literally guess how much money you have to pay your bills ... I had to program a backup system so I know how much money I have because I know I can’t rely on BOW to be up and running. Giving 3 stars instead of 1 because if you go into an actual branch they are lovely. App and website not so much. If you plan to do all your banking on your devices sadly this is not the bank for you.