Opportunity Reward Checking

Opportunity Reward Checking puts money back in your pocket for the things you already do every day. From paying bills to daily spending, you’ll earn rewards simply by using your account without worrying about monthly fees or complicated requirements.

Get More Back When You Bank

Opportunity Reward Checking is more than just a checking account. It's packed with perks that help you save money, earn rewards, and simplify your banking.

$100 minimum deposit required to open the account
No monthly service charges and no monthly minimum balance requirement
Free Online & Mobile Banking and unlimited Bill Pay
eStatement enrollment required to qualify for rewards
Earn 1% unlimited cash back on qualifying purchases and get reimbursed for ATM fees or surcharges (up to $12 per month) by meeting these monthly qualification requirements**:

Maintain an Opportunity Reward Checking account with Opportunity Bank of Montana for the duration of the month. 
Enroll and agree to receive eStatements for your Opportunity Reward Checking account. 
Receive a minimum of $1,000 in direct deposits or recurring Automated Clearing House (ACH) credits to your Opportunity Reward Checking account.
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.

If you don’t qualify for rewards during a statement cycle, the account has no monthly service charge, simply try again the following month.

**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.