Personal Checking

Our accounts are designed to fit seamlessly into your life. With features tailored to meet your everyday needs, we make it convenient and easy to manage your banking. 

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Must be of legal age to open an account.

  

Features

All of our Personal Checking Accounts include the following features and services:

  • Access to thousands of surcharge-free ATMs Nationwide through our partnership in the MoneyPass® Surcharge-Free ATM Network. You may also contact your local branch for ATM location information.
  • Unlimited transactions and check writing

Opportunity Reward Checking

A Checking Account That Pays You!

Opportunity Reward Checking offers rewards for customers utilizing direct deposit, eStatements, and a debit card. 

  • 1% unlimited cash back on qualifying purchases** 
  • Reimbursement of ATM fees or surcharges, up to $12 per month** 
  • No monthly service charge
  • No monthly minimum balance requirement
  • $100 minimum deposit to open

To qualify for 1% 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) qualifying 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. 

Checking Account Comparison

 

Opportunity  Checking

Opportunity Interest Checking

Opportunity Preferred Checking

Opportunity Reward Checking

Minimum deposit to open

$100

$1,000

$2,500

 $100

Minimum balance requirement to avoid monthly service charge

$0

$1,000

$2,500 or combined deposit balance of $10,000  (Primary Owner)

 $0

Monthly service charge (if balance falls below minimum)

NONE

$15

$25

 NONE

Account earns interest*

NO

YES

YES

 NO

Free Online Banking

YES

YES

YES

 YES

Free Online Bill Pay

YES

YES

YES

 YES

Free Mobile Banking 

YES

YES

YES

 YES

Free eStatements

YES

YES

YES

 REQUIRED

Check images with statement

NO

Upon Request

Upon Request

 NO

Courtesy check order

NO

No charge for first order

No charge, unlimited for life of account

 NO

Cashier's checks

$5 each

$5 each

No charge, unlimited for life of account

 $5 each

ATM surcharge refunds**

NO

NO

NO

 ATM surcharge refunds up to $12 per month**

1% cash back on debit card purchases**

NO

NO

NO

 1% Cash Back on qualifying debit card  purchases**, if criteria is met**

Opportunity Checking

A basic checking account with great standard benefits. This account is accessible and easy to use without a minimum balance requirement.

  • $100 minimum deposit to open
  • No monthly service charge 
  • No monthly minimum balance requirement

Opportunity Interest Checking

Need more than basic checking? Not only can this account earn you interest, you’ll also save money on other select fees.

  • Competitive interest rate * 
  • No charge for your first order of standard checks
  • $1,000 minimum balance requirement to avoid monthly service charge
  • $1,000 minimum deposit to open

Opportunity Preferred Checking

Ideal for customers who maintain a higher deposit balance, you'll also earn other premium benefits.

  • Competitive interest rate *
  • No charge for basic check orders, unlimited for the life of the account
  • No charge for cashier's checks, unlimited for the life of the account
  • $2,500 minimum balance or $10,000 combined (Primary Owner) deposit balance requirement to avoid monthly service charge
  • $2,500 minimum deposit to open

*Interest rates and annual percentage yield (APY) are subject to change. See Rate Sheet.

**Eligible Opportunity Rewards 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. The debit card cashback rewards and ATM fee or surcharge refunds will be paid by the 15th day of the following month for the accounts that qualify in the current statement cycle. Bonuses and gifts are subject to IRS tax reporting requirements IRS 1099-MISC. 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 Rewards Checking and will NOT receive 1% cash back.

Personal Overdraft Protection

Have peace of mind in the event that your checking account balance is not sufficient to cover a check. 

Overdraft Protection Line of Credit*

This service transfers funds automatically from your overdraft protection line of credit to your checking account. 

*On approved credit

Overdraft Sweep

An Overdraft Sweep allows for checking, savings and money market accounts to automatically sweep (move) funds to avoid an overdraft on your account. Visit with a Relationship Banker today for full disclosures.

Overdraft Privilege

Learn More about Overdraft Privilege

Get Started

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