• BANK ON BUILDING A BRIGHTER COMMUNITY
    A Reward for You and Help for Our Community

    $250 checking reward for you and 2.5 hours of homework help donated to students at select local Boys & Girls Clubs for each qualifying account opened.
    Conditions apply to the $250 bonus offer. See "Offer Details" below.

    Apply at a Branch
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  • To receive your bonus simply:

    1. Open a new Personal, Premium, or OneAccount Checking account with $1,000 minimum deposit in new money.
    2. Maintain an average balance of at least $1,000 in your checking account during the first 90 days following account funding.
    3. Do one of the following within 90 days of account funding: (i) Set up and receive recurring direct deposits to the new Checking Account totaling $650 or more per month for at least two consecutive months, or (ii) maintain an average combined balance of at least $10,000 across all of your OneWest Bank personal account(s).

    View Our Checking Accounts

    Group of People Smiling

    The Boys & Girls Clubs, through their programs, increase academic success that changes the trajectory of kids’ lives.

  • WHO WE ARE
    Southern California's Hometown Bank™

    With over 60 Southern California retail branches spanning from San Diego to Ventura County, OneWest Bank, a division of CIT Bank, N.A. (Member FDIC, Equal Housing Lender) offers local communities a full array of deposit and lending solutions for consumers and small businesses – both in-person and online. OneWest Bank’s parent, CIT Group Inc. , founded in 1908, CIT (NYSE: CIT) is a financial holding company with more than $50 billion in assets.

    Investing in the neighborhoods where we live and work, OneWest Bank is proud to be a growing presence here, supporting the day-to-day financial lives of our customers.

  • Offer Details

    Limited time offer. $250 bonus offer is for customers aged 18 years or older who successfully open a new OneWest Bank Checking Account at any branch of OneWest Bank, a division of CIT Bank, N.A. (“OneWest Bank”) between August 1, 2019 and October 15, 2019 and satisfy the following requirements:

    1) Open with a minimum deposit of $1,000 in new money and maintain an average balance of at least $1,000 during the first 90 days following account funding. The average balance will be calculated by averaging the end of day balance for each of the first 90 days, beginning with the date on which the account is funded.
    2) Do one of the following within 90 days of account funding: (i) Set up and receive recurring direct deposits to the new Checking Account totaling $650 or more per month for at least two consecutive months (The direct deposit must be an electronic deposit of your paycheck, pension, or government benefits (such as Social Security) from your employer or the government), or (ii) maintain an average combined balance of at least $10,000 across all of your OneWest Bank personal account(s) (all accounts must have the same primary account owner). The average combined balance is calculated as the sum of the end-of-day balances for all of your personal accounts for the 90-day period beginning the day of account funding, divided by 90.

    Funds used to open the Checking Account may not include funds that were held in another account at OneWest Bank or at CIT Bank, N.A. through www.CITbank.com (“CIT”) at the time of account opening. Funds withdrawn from OneWest Bank or CIT within 90 days prior to account opening are also restricted.

    Bonus will be paid as a statement credit to the Checking Account within 60 days after the requirements above are met within the specified time frames. Checking Account must be open to receive the bonus and in good standing for at least six months after account opening. If Checking Account is closed by the customer or OneWest Bank within six months after opening, the value of the bonus may be deducted from account at closing.

    Annual Percentage Yield (APY) as of August 1, 2019 for Premium Checking: 0.01% APY on balances below $1,000; 0.05% APY on balances of $1,000–$4,999; 0.05% APY on balances of $5,000–$9,999; 0.05% APY on balances of $10,000–$24,999; 0.10% APY on balances of $25,000–$49,999; 0.20% APY on balances of $50,000-$99,999; 0.20% APY on balances of $100,000–$9,999,999; and 0.01% APY on balances of $10,000,000 or more. Annual Percentage Yield (APY) as of August 1, 2019 for OneAccount Checking: 0.05% APY on balances below $1,000; 0.05% APY on balances of $1,000–$4,999; 0.05% APY on balances of $5,000–$9,999; 0.10% APY on balances of $10,000–$24,999; 0.10% APY on balances of $25,000–$49,999; 0.40% APY on balances of $50,000–$99,999; 0.60% APY on balances of $100,000–$9,999,999; and 0.60% APY on balances of $10,000,000 or more.

    Interest rates and APYs are variable and may change at any time without prior notice. Fees could reduce earnings on the accounts. Contact a banking office for complete terms, fees and conditions.

    Customers who enrolled in any other OneWest Bank checking reward or bonus offer in the past 12 months are not eligible for this offer. $250 checking bonus offer is limited to one per customer and five per household. Accounts cannot be opened in the name of a business. The value of this offer may be reported to the IRS and the customer is responsible for any federal, state or local taxes.