Westamerica BankChecking accountChecked Oct 10, 2026Updated Oct 9, 2026

Westamerica Interest Checking

$4monthly fee

A year for an everyday customer: $0 fees and interest, $2,000 kept
To open: $100 to open
On our list: #358 of 986 checking accounts, by a year’s value for an everyday customer

Rate conditions

Balance needed for the APY: $1,000Source · checked Oct 10, 2026
To earn the APY: Earns interest on daily collected balances of $1,000 or more.Source · checked Oct 10, 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.Source · checked Oct 10, 2026

Monthly fee: $4 a monthSource · checked Oct 10, 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
Source · checked Oct 10, 2026
Minimum to open: $100Source · checked Oct 10, 2026
Overdraft fee: $35Source · checked Oct 10, 2026
Returned item (NSF) fee: $35Source · checked Oct 10, 2026
Overdraft transfer fee: $12Source · checked Oct 10, 2026
Most overdraft fees in a day: 210Source · checked Oct 10, 2026
Out-of-network ATM fee: $2.50Source · checked Oct 10, 2026
Foreign transaction fee (debit card): 3%Source · checked Oct 10, 2026
Incoming domestic wire: $15Source · checked Oct 10, 2026
Outgoing domestic wire: $40Source · checked Oct 10, 2026
Incoming international wire: $15Source · checked Oct 10, 2026
Outgoing international wire: $50Source · checked Oct 10, 2026
Cashier’s check: $10Source · checked Oct 10, 2026
Stop payment: $30Source · checked Oct 10, 2026
Card replacement: $5Source · checked Oct 10, 2026

Bill payDebit cardInterest bearing

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

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