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Personal Checking

Check us out for value.

When you open a checking account at a bank, you expect great service, dependability and value.  What you don’t expect (or need) are strings attached to your account in order to avoid fees.


At First Bank of Montana, Totally Free Checking really is FREE!  Free of minimum balances and hidden weekly, monthly or annual fees.  We also have three great interest-bearing accounts to fit your every need.  Plus, when you open your new account, you’ll get something else: a free gift to say thank you.  We’ll also buy back your old checks or debit card from another financial institution and apply a $25 credit to your new account.


Totally Free Checking

A free account for everyone! With no minimum balance or monthly service charge!

Easy Interest Checking

A variable interest rate account that earns competitive interest and has no minimum balance or monthly service charge!

50+ Interest Checking

A variable rate account that earns competitive interest, for those 50 and wiser—with no minimum balance, and no monthly service charge!

Premier Interest Checking

Looking to earn more? Simply maintain a balance of $1500 or more to earn a higher variable interest rate. You will still earn a competitive rate even if your balance falls below $1,500.

Want to compare these accounts side by side? 

Every new personal checking account includes:

  • FREE Standard VISA® Debit Card
  • FREE Online Banking & Bill Pay
  • FREE Mobile Banking with Mobile Check Deposit
  • FREE eStatements
  • FREE Check Images with statements
  • FREE Thank You gift
  • Buy back of your unused checks and debit cards from another financial institution


Checking Account Comparison

Account Details

Totally Free Checking 

  • No minimum opening deposit
  • No minimum balance
  • No Monthly Service Charge
  • Unlimited Check Writing
  • Non-Interest bearing account
  • Fee Schedule

Easy Interest Checking

  • Variable interest rate account that earns competitive interest
  • No minimum opening deposit
  • No minimum balance
  • No Monthly Service Charge
  • Unlimited Check Writing
  • Fee Schedule

50+ Interest Checking

  • No minimum opening deposit
  • No minimum balance
  • No Monthly Service Charge
  • Unlimited Check Writing
  • Free box of personalized corporate image checks per calendar year
  • Variable interest rate account
  • Fee Schedule

Premier Interest Checking 

(Our highest interest checking account)

  • No minimum opening deposit
  • $1,500 minimum balance
  • Only a $6 Monthly Service Charge if minimum balance drops below $1,500 during your statement cycle
  • Unlimited Check Writing
  • Free box of personalized corporate image checks per calendar year
  • Variable interest rate account that earns a higher interest rate if the balance is above $1,500
  • Fee Schedule 

Unless specified otherwise, customer purchases checks.  Other fees such as overdraft, nonsufficient funds (NSF) fee, continuous overdraft, etc. may apply. See fee schedule for details. $25 for checks and debit cards from another financial institution given at the time the checks/debit cards are presented. Free gift provided at the time of account opening. There is no minimum opening deposit. Ask us for details. Bank rules and regulations apply.


We proudly serve Central and North Central Montana in the communities of Big Sandy, Chester, Chinook, Choteau, Conrad, Fairfield, Fort Benton, Lewistown and Vaughn.