Westamerica Bank - Sonora (CA)

Cary Jiang UPDATE: AVOID THIS "BANK" AT ALL COSTS. They keep your money in transfer for days to get free interests, in complete disregard for the inconvenience and financial damages it may cause you or the recipient, I submitted an international wire transfer. Called to confirm all the details. However the transfer has not gone through after more than a week despite their app saying "completed". The branch says they are unable to check the status so Ill have to call their customer service. Customer service says its still in "clearing" - havent even left the US yet. They have no set date for the completion. I ask to cancel the transfer. They agreed but then told me that it will take at least two days for them to review the cancellation request - and the reversal may or may not succeed!! According to them, I may also receive less than the original amount because of currency rate fluctuations, so they are essentially charging me the bid-ask spread for money they sat on for days. I am filing a complaint to CFPB and OCC. -- The branch and relationship manager is fine. HOWEVER for a simple transaction - be prepared to spend hours on the phone talking to their customer service center in India and their broken phone app.

Deborah Morrison Jeff, Curtis and team are awesome. Always ready to answer any questions or concerns I have timely and with care and concern. Most importantly working with PWM for 15 years has provided me with peace of mind so I can truly enjoy my life and retirement.

Shahram Y Excellent service for the past 9 years.

Anna Petrenko Please don’t use them—not even as a last resort. What they offer isn’t a loan, it’s a lease disguised as one. They’ll promise you the option for early payoff, but when you ask for a quote just a few months in, they’ll demand the full amount of all future payments. We put $35,000 down and financed $50,000. After just three months, they told us the payoff amount was $90,000—even after applying an $11,000 "early payoff discount." The down payment we made didn’t reduce that amount at all. We agreed to the deal because they claimed we could save on interest by paying early. But the interest rate they charge exceeds legal limits. And because it’s a commercial transaction, there are no legal protections—this kind of predatory practice is technically allowed. They prey on small business owners when they’re most vulnerable. Please—wait, save more, and go through a real bank. Don’t let them trap you the way they trapped us.