Personal Checking

Personal Checking

A good checking account should fit. It should be comfortable, reliable, and just the right size for you. With Bank of Montgomery, you can pick the account that fits you best, then start enjoying benefits carefully tailored to your lifestyle.


Personal Checking Account

  • Non-interest bearing checking account
  • A minimum of $100.00 required to open account
  • Monthly statement mailed directly to you
  • Direct deposit available
  • If at any time during the statement period the balance falls below $500.00 there is a $7.50 service charge
  • This account information is available at any convenient Bank of Montgomery location or by mail

Economy Checking Account

  • Non-interest bearing checking account
  • Available to individuals only
  • A minimum of $100.00 required to open account
  • No minimum balance required
  • Unlimited check writing
  • Monthly statement mailed directly to you
  • Direct deposit available
  • The Economy Checking Account has a monthly fee of only $9.00

Senior Checking Account

  • Non-interest bearing checking account
  • This account is for customers 55 years and older
  • A minimum of $100.00 required to open account
  • No minimum balance required
  • Monthly statement mailed directly to you
  • Direct deposit available
  • Check writing is unlimited
  • The Senior Checking Account has a monthly fee of only $2.00

Student Checking Account

  • Non-interest bearing checking account
  • Available to full-time students, 15-22 years old
  • A minimum of $100.00 required to open account
  • No minimum balance required
  • Monthly statement mailed directly to you
  • Direct deposit available
  • Check writing is unlimited
  • The Student Checking Account has a monthly fee of only $2.00


Direct Deposit Checking Account

  • Non-interest bearing checking account
  • Available to individuals only
  • A minimum of $100.00 required to open account
  • No minimum balance required
  • Unlimited check writing
  • Must have one check deposited monthly by Electronic Funds Transfers (EFT) e.g. payroll check, SSI, retirement check

Bonus Checking Account

  • Interest bearing checking account
  • Available to individuals, unincorporated businesses and non-profit/non-government organizations
  • A minimum of $100.00 required to open account
  • $2,500.00 balance required to avoid service charges
  • Unlimited check writing
  • Direct deposit available
  • The Bonus Checking Account has a monthly fee of only $15.00

NOW Checking Account

  • Interest bearing checking account
  • Not available to corporations
  • A minimum of $1,500.00 required to open account
  • Direct deposit available
  • If the balance falls below $1,500.00 during the monthly statement period there is a service charge of $10.00

Super NOW Checking Account

  • Interest bearing checking account
  • Not available to corporations
  • A minimum of $2,500.00 required to open account
  • Direct deposit available
  • All funds insured by FDIC up to $250,000.00
  • If the balance falls below $2,500.00 during the monthly statement period there is a service charge of $12.00


Money Market Checking Account

  • Interest bearing checking account
  • A minimum of $2,500.00 required to open account
  • Minimum balance of $2,500.00 must be maintained to earn interest and to avoid a service charge of $10.00
  • Withdrawal/transfer charge of $2.00 for each withdrawal/transaciton over six. Only three of the withdrawals/transfers may be payments to third parties.
  • Direct deposit available

Public Funds Checking Account

  • A minimum of $100.00 required to open account
  • Direct deposit available
  • The Public Funds Checking Account has a monthly fee of only $7.50

Public Funds NOW Checking Account

  • A minimum of $1,500.00 required to open account
  • Minimum balance of $1,500.00 must be maintained to earn interest
  • Direct deposit available
  • The Public Funds Now Checking Account has a monthly fee of only $10.00

*All funds insured by FDIC up to $250,000.00