Opportunity Reward Checking

A Checking Account That Pays You!

Opportunity Reward Checking lets you earn unlimited cash back on everyday debit card purchases.**
Get rewarded for simple banking activities you may already be doing, like using your debit card, receiving direct deposits,

and receiving an eStatement.

Get More Back When You Bank

Opportunity Reward Checking is packed with perks that help you save money, earn cash back, and simplify your banking.

$100 minimum deposit to open
No monthly service fee
No monthly minimum balance requirement
Free digital banking tools
Free eStatement enrollment required to qualify for rewards

Earn 1% unlimited cash back on qualifying debit card purchases and get reimbursed for ATM fees or surcharges (up to $12 per month) by meeting these monthly qualification requirements each monthly qualification cycle**:

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 monthly qualification cycle, the account has no monthly service charge or penalty, 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.