Personal Banking

Personal Checking

We understand that you require a personal checking account that fits your individual needs.With six different accounts to choose from, we have a checking account that’s right for you!

Please see the Schedule of Fees and Charges for other fees that may apply.

1. 

Customer purchases checks.

2.

All interest-bearing First Mountain Bank checking accounts are variable interest rate accounts. The interest rate and annual percentage yield may change on your account monthly, subject to First Mountain Bank discretion. Interest is compounded and credited monthly. There is no minimum daily balance required on Basic Checking to earn interest. You must maintain a minimum daily balance of $2,000 to earn interest on the account referred to as Interest Checking. Premium Checking earns interest based upon the tier of the balance each day during the month.

3.

The average daily balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the statement cycle period.

4.

If you own a Regular Checking and Regular Savings account that have a combined average daily balance of $2,000 or more per month, the Regular Checking $9.00/month service charge will be waived.

5.

First Mountain Bank does not charge for transactions using our ATMs. Operators of point-of-sale terminals or other ATMs not owned by First Mountain Bank may charge additional fees. There is a 25¢ charge for each debit and check item on the Basic Checking account.

6.

Please see the Online Banking Agreement, Electronic Bill Pay Agreement and Schedule of Fees and Charges for details.

Regular Savings, Premium Savings, and the Money Market Plus account are available to individuals and businesses. Earn a competitive interest rate while maintaining access to your funds.