Personal Checking

With features to meet your needs, we make it simple and convenient to manage your everyday banking. Open an account online or visit any branch and we'll help you select an account that fits your needs.

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Each Personal Checking Account Includes:

Instantly Issued Visa® Debit Card

Online & Mobile Banking

Telephone Banking

Free eStatements

Nationwide ATM Access

Unlimited Transactions & Check Writing

Checking Account Comparison

Opportunity Reward Checking

A checking account that pays you!

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

$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.

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**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.

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Opportunity Preferred Checking

This account is ideal for customers who maintain a higher deposit balance, and you'll earn other premium benefits.

$2,500 minimum deposit is required to open the account
A service charge of $25 will be imposed every statement cycle if the balance in the account falls below $2,500 or $10,000 combined primary owner deposit balances any day of the cycle

Earns interest at a competitive rate*
Check images with statement available upon request
Free Online & Mobile Banking and unlimited Bill Pay
Free eStatements
No charge for courtesy or cashier's checks
Free, unlimited, basic check orders available

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*Interest rate and Annual Percentage Yield (APY) are subject to change. Contact a Banker for current rate sheet.

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Opportunity Interest Checking

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

$1,000 minimum deposit required to open the account
$1,000 minimum balance required to avoid monthly service charge of $15
Earns interest at a competitive rate*
Check images with statement available upon request
Free Online & Mobile Banking and unlimited Bill Pay
Free eStatements
Free first order of basic checks available

Learn More

*Interest rate and Annual Percentage Yield (APY) are subject to change. Contact a Banker for current rate sheet.

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Opportunity Checking

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

$100 minimum deposit required to open the account
No monthly service charge and no monthly minimum balance requirement
Free Online & Mobile Banking and unlimited Bill Pay
Free eStatements

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Save Time with a Range of Solutions and Tools, Including:

Visa® Debit Card

Printed and issued in branch for convenience

Use your debit card to withdraw cash at ATMs or make purchases directly from your checking account. Make everyday purchases with ease - swipe, insert your chip, or tap for contactless payments. Prefer digital? Add your debit card to your mobile wallet for a faster, safer way to pay.

Opportunity Bank is a member of the MoneyPass® ATM network, providing surcharge-free ATM access at thousands of ATMs Nationwide.

MoneyPass® ATM Locator

Direct Deposit

Eliminate extra trips to the Bank! It's easy to arrange to have your payroll, Social Security or other benefit check deposited directly into your Opportunity Bank of Montana checking or savings account. There's no need to worry about checks being lost in the mail and, best of all, this service is free. Enroll in account alerts and you'll know right away when the payment is deposited into your account.

Unlimited Transactions & Check Writing

All of our personal checking accounts come with the freedom you need - no limits on transactions and no restrictions on check writing. Whether you prefer to pay by check or debit card, you can bank your way without worrying about caps or extra fees.

Reorder Checks

Out of checks? Order your checks online from Harland Clarke, our preferred provider. Ordering checks online from Harland Clarke is safe and secure. You'll need your account number, zip code, and our routing number: 292070806

Order Checks Online

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 Banker today for full disclosures.

Overdraft Privilege

Mistakes can happen. Avoid embarrassing situations and keep your options open in the event of an emergency. Overdraft Privilege is a service that may protect everyday, one-time debit card transactions, ATM withdrawals, payments via personal check, and other purchases using your checking account in the event you have insufficient funds in your account to cover the expense. There are no monthly service charges or an annual fee associated with Overdraft Privilege – you only pay if you use it.

You do not need to apply or sign any additional documents for Overdraft Privilege to cover your checks, ACH or recurring debit transactions. For all eligible accounts this service is already included in your Checking Account Agreement with us. If you would like us to consider paying ATM and one-time debit card transactions that overdraw your checking account, we need your affirmative consent (Opt In) to do so.

Overdraft Privilege Service Policy

Disclosures

banking agreements

Digital Banking Agreement and Disclosure Privacy Notice Privacy Policy for Mobile Banking eStatements and eNotice Terms and Conditions Fee Schedule - Consumer

Get Started

Open your account online today or visit your local branch for assistance.

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