Opportunity Reward Checking

Opportunity Reward Checking offers:

• 1% unlimited cash back on qualifying debit card purchases* 
• Reimbursement of ATM fees or surcharges, up to $12 per month 
• No monthly service fee 
• No monthly minimum balance requirement  

It's time your checking account starts paying you!

Qualifying for rewards is easy - just do a few banking basics.

To earn your cash back and ATM fee reimbursements, simply do the following with your Opportunity Reward Checking account each monthly qualification cycle:

• Maintain an Opportunity Reward Checking account with Opportunity Bank of Montana for the duration of the month; and 
• Enroll  and agree to receive eStatements for your Opportunity Reward Checking account; and 
• Receive a minimum of $1,000 in direct deposits or recurring Automated Clearing House (ACH) credits to your Opportunity Reward Checking account; and 
• Make at least ten (10) debit card purchase transactions (excluding ATM withdrawals) posted and cleared to your Opportunity Reward Checking account. Transactions pending at the end of the monthly qualification cycle will not be counted.

That's it. Even if you don't meet the qualifications during your monthly statement cycle, there is no penalty. Get back to earning your rewards next month.

Visit a branch to get started today, or open an account online. 

*Eligible Opportunity Reward accounts will be reimbursed up to $12 per month in ATM fees or surcharges assessed by us or another bank and will receive debit card rewards of 1% on qualifying purchases per month. Qualifying purchases include debit card signature purchase or "pinless" transactions where the customer selects "credit" as the transaction type. All bonuses will be credited to your Opportunity Reward Checking account by the 15th day of the month following the qualification calendar month. Bonuses and gifts are subject to IRS tax reporting requirements IRS 1099-MISC. Opportunity Reward Checking requires a $100 minimum deposit to open.  Transactions made using Google Wallet, PayPal, Venmo, Square Cash or Money Gram will NOT be counted towards the minimum number of debit card transaction requirements for Opportunity Reward Checking and will NOT receive 1% cash back.