Personal Checking

Our bank has a number of checking account options available that provide flexibility and allow you to choose a plan that fits your individual needs.

Free Checking

This free checking account offers all the basics with unlimited check writing and no minimum balance:

  • $50 Minimum Initial Deposit
  • No Minimum Balance Requirement
  • Unlimited Check Writing and Transactions
  • Free Basic Online Banking
  • Free Visa Debit or ATM Card

Regular Checking

This checking account offers all the basics with check images returned with each monthly statement:

  • $50 Minimum Initial Deposit
  • $100 Minimum Balance Requirement
  • Monthly Maintenance Fee of $5 and $0.10/debit transaction if minimum balance in not maintained
  • Free Basic Online Banking
  • Free Visa Debit or ATM Card

Interest Checking

With this interest bearing checking account, your rate is tiered to benefit you more as your account balance increases:

  • $1000 Minimum Initial Deposit
  • $1000 Minimum  Balance Requirement
  • Monthly Maintenance Fee of $10 if minimum balance is not maintained
  • Interest Bearing
  • Free Basic Online Banking
  • Free Visa Debit or ATM Card

Freedom Plus Checking

Our customers, age 50 or better and who have reached a stage in their life that grants them greater independence will enjoy this checking account.

  • $50 Minimum Initial Deposit
  • No Minimum  Balance Requirement
  • Unlimited Check Writing and Transactions
  • Interest Bearing
  • Free Freedom Plus Checks
  • Free Basic Online Banking
  • Free Visa Debit or ATM Card
  • Free Money Orders and Cashiers Checks
  • Free 3 x 5 Safe Deposit Box

Health Savings Account Checking

A Health Savings Account (HSA) is a tax-favored account used in conjunction with a qualifying health plan as defined by the IRS. These HSA qualified plans often have lower premiums, offer preventive care benefits and provide coverage for other healthcare services once your deductible has been met. HSA dollars may be used to pay for qualified medical expenses applied to the deductible and for expenses that may not be covered by the health plan.

  • $100 Minimum Initial Deposit
  • Interest Bearing
  • Free Basic Online Banking
  • Free Visa Debit or ATM Card
  • Total annual deposits may not exceed maximum allowed
  • Withdrawals must be for covered medical expenses as defined by IRS Publication 509; Medical and Dental Expenses. 

Montana Medical Savings Account Checking

With this Montana Medical Savings checking account, you can save to pay for eligible medical expenses:

  • $100 Minimum Initial Deposit
  • $100 Minimum  Balance Requirement
  • Monthly Maintenance Fee of $1 if minimum balance is not maintained
  • $3,000 of contributions per individual is exempted from MT Income Tax
  • Free Basic Online Banking
  • Free Visa Debit or ATM Card