Bank of Montana -- Personal Checking Accounts

Checking Accounts

The Bank of Montana offers the largest network of ATMs in the country. What's even better is as a Bank of Montana client, you can use any ATM in the country for free. That's right, we'll pay their fees too so you can access your money, when you need it, at no cost.

Account Type	Minimum Opening Deposit	Minimum Average Balance	Benefits	Maintenance Fees
Personal Checking	$1,000	$2,000	Free ATM withdrawals up to 4 per month at any ATM in the continental U.S., Free Cashier's Checks, Free Internet Banking and Bill Pay, Free first order of checks	None
Montana Gold Checking	$1,000	$2,000	Free ATM withdrawals up to 4 per month at any ATM in the continental U.S., Free Cashier's Checks, Free Internet Banking and Bill Pay, Free first order of checks	None
Private Banking Checking	-	-	Free ATM withdrawals in continental U.S., Free Cashier's Checks, Free Internet Banking and Bill Pay, Free Checks	None

Personal Checking

Free first order of checks.
MasterCard ® Debit/Check card available.
Unlimited check writing privileges.
No per check charges.
Free Internet Banking.
Free Online Bill Pay.
Free ATM withdrawals up to 4 per month at any ATM in the continental United States.
Minimum opening deposit $1,000.
Minimum average balance of $2,000 required.*

Montana Gold Checking Account

Free Checks.
MasterCard ® Debit/Check card available.
Free Online Banking.
Free Online Bill Pay.
Free ATM withdrawals up to 4 per month at any ATM in the continental United States.
Free Cashier’s Checks.
No per check charges.
Minimum opening balance of $1,000.
Minimum average balance of $2,000 required.*

This account is only available to Montana Gold Clients. Click here for Montana Gold eligibility requirements.

The Bank of Montana Private Bank Checking Account

MasterCard ® Debit/Check card available.
Free Online Banking.
Free Online Bill Pay.
Free ATM withdrawals in continental United States.
Free Cashier’s Checks.
Free Checks.
No per check charges.

*If account drops below minimum required amount for one statement cycle, account may be closed.

Transaction Account Guarantee Program Disclosure:

Bank of Montana is participating in the FDIC’s Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under the FDIC’s general deposit insurance rules.

The FDIC will protect NOW accounts in full if the interest rate does not exceed 0.5 percent. Swept or transferred funds from your noninterest-bearing transaction accounts may be subject to insurance limitations. The FDIC will protect public deposits up to the $250,000 limit under its general deposit insurance rules.
Bank of Montana does offer accounts with interest in excess of 0.5 percent.
Please check with our COO Deana Carlson or call (406) 829-2662, if you have questions regarding your FDIC cover

age.