Intro – Westamerica Bank Reviews & Ranking


Westamerica Bank was recently ranked and reviewed by AdvisoryHQ as a top rated banking firm. Firms on our top rated lists were selected after they successfully passed AdvisoryHQ’s groundbreaking, four-step banks and credit unions selection methodology

Click here for a step-by-step breakdown of the methodology and selection process used during our Westamerica Bank review: AdvisoryHQ’s Methodology for Selecting Top Banks and Credit Unions.

The Westamerica Bank review below provides a detailed assessment, including some of the factors used by AdvisoryHQ News in its ranking and selection of Westamerica Bank.



Westamerica Bank Review


Westamerica Bancorporation is the holding company for Westamerica Bank, a regional community bank providing consumer and commercial financing.

First chartered in 1884, the bank has branches across Northern and Central California, including 60,000 worldwide ATM locations.

westamerica bank credit card

Westamerica Bank Reviews

In total, Westamerica Bank has more than 95 full‐service branches and more than nine offsite ATMs throughout the San Francisco Bay Area, Central Valley, and the Sierra Foothills region of California. Westamerica’s business focus is on serving small and middle market companies as well as local consumers.

Key Factors Leading Us to Rank Westamerica Bank as One of the Top Banking Firms

Upon completing our Westamerica Bank review, Westamerica Bank was included in AdvisoryHQ’s ranking of this year’s best banking companies based on the following factors. 

Westamerica Bank Reviews | Branch Distribution

While managing a retail bank branch network can be challenging for the financial institution, a wide branch network is a customer’s best-case scenario. In the case of this best banking firm, Westamerica Bank’s wide market area provides the opportunity to acquire clients from a broad portion of Northern and Central California. Westamerica Bank’s branch distribution is still one of the widest among many top banking institutions.

Westamerica Bank Reviews | Professional Banking: Designed for Busy Professionals

Providing the client an enhanced level of service, Professional Banking brings the consultative approach back to banking.

Clients that use this service from Westamerica Bank receive support from a dedicated relationship manager that can assist with much of the client’s banking and wealth management needs. Professional bankers are able to facilitate requests and move them through the bank’s processes more smoothly for the professional banking client.

Our Westamerica Bank review found the following business accounts:

  • Select Checking
  • Preferred Checking
  • Business Star
  • Account Analysis
  • Interest Checking
  • Regular Checking


Westamerica Bank Reviews | Personal Checking Accounts

Banking with Westamerica Bank affords you several different options when choosing a checking account. Its options range from the basic banking service to full-packaged, interest-bearing accounts.

Either way, Westamerica Bank has an account that will suit your financial needs. Our Westamerica Bank review found the following checking accounts:

  • Value Checking
  • Express Checking
  • Classic Checking
  • Interest Checking
  • Signature Account
  • Premier Plus

For a side-by-side comparison of these checking accounts and to view the Personal Schedule of Fees & Charges, click here.

Westamerica Bank Review | Credit Cards

As one of the best banking companies in California, Westamerica Bank wants its customers to have the option of choosing a credit card that fit their lifestyle.

As such, there are several Westamerica Bank credit cards for you to choose from—and no matter which card you pick, you are awarded with EMV smart chip technology, mobile purchasing, and more. Some of the Westamerica Bank credit cards offered are:

  • Visa Platinum Card: This Westamerica Bank credit card allows users to save with a longer intro rate
  • Visa Bonus Rewards Card: Receive 1 point for every $1 you spend on eligible purchases, automatic bonus monthly points, and $25 cash back after first purchase
  • Cash Rewards American Express: Receive cash back every time your card is used: 3% on gas, 2% on groceries, 1% on all other eligible purchases, and $25 cash back after your first purchase
  • Visa Secured Card: This is a great card to choose if you are rebuilding your credit history, even if your other credit card applications have been rejected. This Westamerica Bank credit card has flexible credit lines based on a security deposit and a low annual fee.

Westamerica Bank Review | Trust Services

Westamerica Bank’s Investment Management and Trust Services Department offers trust services to administer, preserve, and protect assets. The bank’s in-house trust officers have extensive experience in trust administration and investment management services.

As one of the top banking firms in California, Westamerica can act as an administrator, conservator, guardian, trustee, investment manager or custodial agent. The bank is certified to administer probate, testamentary trusts, living trusts, charitable remainder trusts, and other types of trusts.



Rating Summary

For individuals, businesses, and investors in Central and Northern California, Westamerica Bank is one of the best banking companies to consider partnering with this year.

Not only do they provide a wide range of financial products for individuals and businesses alike, but they also maintain a strong commitment to improving the surrounding community and operating in an ethical manner, earning the firm a 5-star rating overall.

Related: USAA Bank Reviews – Is USAA a Good Bank? (Online Checking, Savings, & Military Banking)


In addition to reviewing the above Westamerica Bank review, you can click on any of the links below to browse exclusive reviews of AdvisoryHQ’s top rated banking firms:


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Image source:

  • https://www.westamerica.com/index.php/about-us/financial-health-and-safety


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Westamerica Bank
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