Founded in 1874, Bank of the West, also known as Essex Credit, operates and provides loans to creditworthy borrowers in all 50 states. There are no application or loan fees, nor will you be penalized for paying off your loan early.īank of the West is arguably one of the most popular watercraft lenders. LightStream boat loans are unsecured and require no collateral or home equity minimums. They also offer a Rate Beat program, which promises to offer a rate that’s 0.10% lower than the rate offered by a competing lender (for the same loan terms) within the last business day. Current interest rates start from 7.49% with a 0.50% auto-pay discount. You can choose your own funding date once approved for your boat loan, even if it’s the same day you applied.īoat loans through LightStream are offered from $5,000 to $100,000 with repayment terms ranging from 24 to 144 months. We chose LightStream as best for quick funding because this bank offers same-day approvals and same-day funding in many cases. This bank operates in all 50 states, offering loans on new, used, and refinanced boats to qualified applicants ages 18 and over. This amount may vary as exchange rates are subject to change at any time.As part of the Truist bank family, LightStream-along with SunTrust and BB&T-provides a variety of banking products and services to customers across the country. ![]() ↩ĦBased on USD/CAD exchange rate of 1.30. ↩ĥSubject to regulatory limitations and concerns. Longer delays may apply based on the type of items deposited, amount of the deposit, account history or if you have recently opened your account with us. Mobile deposits made before 7 pm PT will be processed the same business day and made available within two business days. Mobile Banking requires an internet-ready phone and is supported on Apple iPhone devices with iOS 9 and greater and on Android mobile devices with OS 5 and greater. Wireless carriers may charge fees for text transmissions or data usage. Use of your Mobile device requires enrollment in Online Banking and download of our Mobile App. Face ID is available only iPhone models X and later. To learn more, visit ↩ĤTouch ID is available only for newer iPhone models (5S and later) using iOS 8 or higher. ↩ģBMO named “The Most Sustainable Bank in North America” on Corporate Knights’ Global 100 Most Sustainable Corporations in 2020, 20. Refer to the "Consumer Liability of Unauthorized Transfers" and "Mastercard Debit Card Zero Liability" sections of your Deposit Account Disclosure and Safe Deposit Box Rental Agreement Terms and Conditions for Personal Accounts (PDF) for details. Your liability for unauthorized use of your debit card for debit transactions processed through the Mastercard system will be zero dollars ($0) provided the following conditions are met: (1) you can demonstrate that you exercised reasonable care in safeguarding the debit card from risk of loss or theft and (2) upon becoming aware of a loss or theft, you promptly report the loss or theft to Bank of the West. No monthly service charge if any account owner is under 25 years of age. Opening deposit can be any amount ($0.01 or more). Does not include fund transfers between Bank of the West accounts or any credits from Bank of the West. Deposits include direct deposit, mobile deposit, ATM deposit, or in-branch deposit of any amount. Zelle® and the Zelle® related marks are wholly owned by Early Warning Services, LLC and are used herein under license.ġ$10.00 monthly service charge for Any Deposit Checking and 1% for the Planet Checking waived with one deposit of any amount each statement cycle. Securities and variable annuities are offered through BancWest Investment Services, a registered broker/dealer, Member FINRA/SIPC, and SEC Registered Investment Adviser.īancWest Investment Services, Inc. Banking products and services are subject to approval and are provided by BMO Harris Bank N.A. ![]() Bank of the West is a trade name used by BMO Harris Bank N.A.
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