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Personal Checking

Our personal checking product offer an array of benefits to fit your lifestyle.

Visit a branch to open your account today.

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Features

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

Opportunity Reward Checking

A Checking Account That Pays You!

Opportunity Reward Checking offers rewards for customers utilizing direct deposit, eStatements, and a debit card. Our most popular account! 

      • 1% unlimited cash back on qualifying purchases* 
      • Reimbursement of ATM fees or surcharges, up to $12 per month 
      • No monthly service fee 
      • 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 you 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) 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

Benefit

Opportunity  Checking

Opportunity Interest Checking

Opportunity Preferred Checking

Opportunity Reward Checking

Minimum Deposit to Open

$100

$1,000

$2,500

$100

eStatements

x

x

x

Required

Minimum Balance Requirement to Avoid Monthly Service Fee

$0

$1,000

$2,500 or combined deposit balance of $10,000 

(primary owner)

$0

Monthly Service Fee if Balance Falls Below Minimum

NONE

$15

$25

NONE

Account Earns Interest

No

x

x

No

1% Cash Back*

No

No

No

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

Visa Debit Card

x

x

x

x

Cashier's Checks

$5 each

$5 each

No charge, unlimited for life of account

$5 each

Online Banking

x

x

x

x

Bill Pay

x

x

x

x

Mobile Banking & Mobile Check Deposit

x

x

x

x

ATM Surcharge and Fee Refunds*

No

No

No

Up to $12/month refund*

Check Images With Statement

No

Upon Request

Upon Request

No

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 fee 
      • 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, tiered interest rate+
      • No charge for your first order of standard checks
      • $1,000 minimum balance requirement to avoid monthly service fee
      • $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, tiered 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 fee
      • $2,500 minimum deposit to open

CONSUMER FEE SCHEDULE

 

+Interest rates and annual percentage yield (APY) are subject to change. Please contact your Relationship Banker for current deposit rates.

*Qualifying purchases include debit card signature purchase or pinless transactions where the customer selects "credit" as the transaction type. The following are not qualified purchases and do not count toward the minimum number of debit card transactions for the 1% cash back reward: Transactions using Google Wallet, PayPal, Venmo, Square Cash or Money Gram.Cash Back rewards and ATM fee or surcharge refunds will be paid by the 15th day of the following month for accounts that qualify in the current statement cycle. Bonuses and gifts are subject to IRS tax reporting requirements IRS 1099-MISC.

 

Get Started

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

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Personalization Settings

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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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