Savings Account Comparison
| Account |
+ |
Opening Deposit |
Minimum Balance to Avoid Service Charges |
Monthly Service Charge |
Unlimited Check Writing |
Interest Bearing |
| Personal Savings Account |
Personal Savings Details |
$0 |
$100 |
$2 if balance below $100 |
No |
Yes |
| Money Market Account |
Money Market Details Accounts |
$0 |
$2,500 |
$10 if balance below $2,500 |
No |
Yes |
| Certificates of Deposit |
CD Details |
$500 |
$0 |
$0 |
No |
Yes |
| Health Savings Account |
HSA Details |
$0 |
$0 |
$0 |
Yes |
Yes |
Account Details
Personal Savings Account
- Only $2 monthly service charge if minimum balance falls below $100
- Enjoy unlimited deposits, in-lobby withdrawals and ATM access
- A withdrawal fee of $1 may apply if the number of transactions exceeds the allowable limits
- Withdrawals made by electronic transfer or check are limited to 6 per month
- Your personal savings account may be insured by the FDIC. See our FDIC Notice for details
- Have a friend or family member under the age of 18? We offer a FREE savings account for them as well.
- Link your Personal Savings account to your checking account to cover your overdrafts. We'll transfer from your designated Personal Savings account to avoid any overdraft fees for only $2 per transfer. Sweeps from savings accounts to cover an overdraft are included in the 6 transactions per month.
- Interest rates may change at any time
- Fees may reduce earnings on individual accounts
- Fee Schedule
Money Market Account
- Only $10 monthly service charge if minimum balance falls below $2,500 during your statement cycle
- Enjoy unlimited deposits, in-lobby withdrawals and ATM access
- Withdrawals made by electronic transfer or check are limited to 6 per month
- A withdrawal fee of $1 may apply if the number of transactions exceeds allowable limits
- Your money market savings account may be insured by the FDIC. See our FDIC Notice for details
- Earn a higher return from larger balances with tiered interest rates
- Interest rates may change at any time
- Fees may reduce earnings
- Fee Schedule
Certificates of Deposit
- $500 minimum opening deposit
- Your Certificate of Deposit may be insured by the FDIC. See our FDIC Notice for details
- Penalties may apply for early closure
Health Savings Account
- No minimum balance
- No service charges
- Unlimited check writing
- Variable tiered interest rate account
- Free VISA® Debit Card
- Available with a qualifying High Deductible Health Plan (HDHP) – please consult a High Deductible Health Plan provider regarding eligibility and contribution/distribution requirements.
- Unused funds are not forfeited at year-end as with some flexible spending accounts
- Fee Schedule
We proudly serve the Montana communities of Kalispell, Lakeside, Whitefish, Columbia Falls, Libby, Eureka, Bigfork, Polson, and Ronan.
