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Personal Checking

Our Personal Checking opportunities offer an array of benefits to fit your financial lifestyle.

Find a branch to open your Opportunity Checking account today.

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Features

All of our checking accounts include these great features!

Checking Account Comparison

Benefits

Opportunity Reward Checking

Interest Checking

Minimum Opening Balance

$100

$100

e-Statements

x

x

Minimum Balance Fee

-

$4 + $0.20/check

Minimum Balance to Avoid Monthly Fees

-

$400

Does My Account Earn Interest

-

x

Interest Rate

-

Tiered

Debit Card Cash Rewards

1% Cash Back on Qualifying Purchases*, if criteria is met**

-

Debit Card

x

x

Free Checks

-

First order only

Online Banking

x

x

Bill Pay

x

x

Mobile Banking & Mobile Check Deposit

x

x

Out-of-Network ATM Surcharge/Service Fees Waived

Up to $12/mth rebate*

-

Discounts on Personal Loans

0.25% off of loan with ACH pmt

0.25% off of loan with ACH pmt

*Eligible Opportunity Checking accounts will be reimbursed up to $12 per month in ATM fees or surcharges assessed by us or other banks and will receive debit card cash rewards of 1% on “Qualifying Purchases” per month. “Qualifying Purchases” include debit card signature purchase or “Pinless” transactions only where the customer selects “credit” as the transaction type. The debit card cash back 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. Opportunity Reward Checking requires a $100.00 minimum deposit to open. No minimum balance required to be eligible for reward. Bonuses and gifts are subject to IRS tax reporting requirements IRS 1099-MISC. Checking accounts subject to an inactivity fee of $5.00 per month for each 180 day period in which there is no customer initiated activity.

The following are NOT “Qualified Purchases” and will not be counted towards the minimum number of debit card transactions requirement for Opportunity Reward Checking Account or receive the 1% cash back regardless of if it is a “Pinless” transaction: Google Wallet, PayPal, Venmo, Square Cash, or Money Gram.

**Criteria to Qualify for 1% Cash Rewards:

  • Maintain an Opportunity Reward Checking account with Opportunity Bank of Montana for the duration of the month; and
  • Enroll your Opportunity Reward Checking account in eStatements; and
  • Have at least ten (10) debit card purchase transactions (excluding ATM withdrawals) posted and cleared to your Opportunity Reward Checking account. Transactions that are pending at the end of the qualification cycle will not be counted; and
  • Receive a minimum of $1,000.00 in direct deposits or recurring Automated Clearing House (ACH) credit to your Opportunity Reward Checking account.

Opportunity Reward Checking

Our Opportunity Reward Checking account offers

  • Free online and mobile banking,
  • Free Bill Pay.
  • Cash Rewards of 1% on qualifying purchases* if you maintain an Opportunity Reward Checking account with Opportunity Bank of Montana for the duration of the month and enroll your Opportunity Reward Checking account in e-Statements and have at least ten (10) debit card purchase transactions (excluding ATM withdrawals) posted and cleared to your Opportunity Reward Checking account. Transactions that are pending at the end of the qualification cycle will not be counted and receive a minimum of $1,000.00 in direct deposits or recurring Automated Clearing House (ACH) credit to your Opportunity Reward Checking account.

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*Eligible Opportunity Checking accounts will be reimbursed up to $12 per month in ATM fees or surcharges assessed by us or other banks and will receive debit card cash rewards of 1% on “Qualifying Purchases” per month. “Qualifying Purchases” include debit card signature purchase or “Pinless” transactions only where the customer selects “credit” as the transaction type. The debit card cash back 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. Opportunity Reward Checking requires a $100.00 minimum deposit to open. No minimum balance required to be eligible for reward. Bonuses and gifts are subject to IRS tax reporting requirements IRS 1099-MISC. Checking accounts subject to an inactivity fee of $5.00 per month for each 180 day period in which there is no customer initiated activity.

The following are NOT “Qualified Purchases” and will not be counted towards the minimum number of debit card transactions requirement for Opportunity Reward Checking Account or receive the 1% cash back regardless of if it is a “Pinless” transaction: Google Wallet, PayPal, Venmo, Square Cash, or Money Gram.

Interest Checking

Our Opportunity Bank Interest Checking account offers

  • Tiered interest rate,
  • Free online and mobile banking,
  • Free Bill Pay and
  • Additional discounts on personal loans.

Compare Accounts Find a branch to open an account

Get Started

Learn more in the comparison chart above then find a branch to open your Opportunity Checking account today.

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Welcome

Opportunity Bank would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to any other source.

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