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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 Personal Checking Accounts include FREE access to the following features and services.

Checking Account Comparison

Benefits

Opportunity  

Opportunity Interest

Opportunity Preferred

Opportunity Rewards

Minimum Deposit to Open

$100

$1,000

$2,500

$100

e-Statements

x

x

x

Required

Minimum Balance Fee

$0

$1,000

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

(primary owner)

$0

Minimum Balance Requirement to Avoid Monthly Service Fee

NONE

$15

$25

NONE

Does My Account Earn Interest

No

x

x

No

1% Cash Back**

No

No

No

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

Debit Card

x

x

x

x

Cashier's Checks

$5 each

$5 each

No charge, unlimited for life

$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 Refunds**

No

No

No

Up to $12/Month refund*

Check Images With Statement

No

Upon Request

Upon Request

No

 

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 Opportunity Checking

Our most simple checking account is accessible and easy to use without a minimum balance requirement.

  • $100 minimum deposit to open
  • Unlimited transactions and check writing
  • Optional overdraft privilege or coverage from an Opportunity Bank Checking, Savings, or Money Market Account
  • No monthly service fee 

Opportunity Interest Checking

Not only can this account earn you interest, but you’ll save money on other select fees.

  • Competitive, tiered interest rate+
  • No charge for your first order of checks
  • Unlimited transactions and check writing
  • $1,000 minimum balance requirement to avoid monthly service fee
  • $1,000 minimum deposit to open

+Interest rates and annual percentage yield (APY) are subject to change. See Rate Sheet.

Opportunity Preferred Checking

For customers who keep a higher deposit balance and desire an interest-earning account.

  • Competitive, tiered interest rate+
  • No charge for check orders, unlimited for life
  • No charge for cashier's checks, unlimited for life
  • Unlimited transactions and check writing
  • $2,500 minimum balance or $10,000 combined (Primary Owner) deposit balance requirement to avoid monthly service fee
  • $2,500 minimum deposit to open

+Interest rates and annual percentage yield (APY) are subject to change. See Rate Sheet.


Opportunity Reward Checking

Premium benefits for online customers utilizing direct deposit, eStatements, and a debit card. We give you the opportunity to earn cash back and ATM fee reimbursements!

  • 1% cash bank on qualifying purchases* if criteria is met*
  • ATM surcharge refunds up to $12 per month*
  • No monthly service fee
  • No minimum balance requirement

+Interest rates and annual percentage yield (APY) are subject to change. See Rate Sheet.

*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.

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. 

+Interest rates and annual percentage yield (APY) are subject to change. See Rate Sheet.

All 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.

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Get Started

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

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