Personal Checking That Words For You
Discover our worth.
Our focus is great customer service and banking accounts that meet your personal finance needs, without any fees or monthly charges. Our accounts come with the essential banking services you want, without spending a dime.
We are purveyors of exceptional, local banking. When you choose First Security Bank of Missoula, you're choosing a bank that is part of the community. We don't just work here. We live here too.
Community is the thread that weaves all of us together. We value the opportunity to support the places we call home. We do this by engaging in groups and organizations that breathe life into our corner of Montana.
New account holders receive a token valued at $10 that is donated to a local organization.
At First Security Bank, Totally Free Checking truly means a FREE account! There are no required minimum balances and no concealed weekly, monthly, or yearly fees. When you open an account with us, you can expect excellent service, value, and reliability. With First Security Bank, there are no strings attached: it's easy to avoid fees with our free checking accounts.
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- No minimum balance
- No monthly service charges
- Infinite check writing
- Non-interest bearing account
- Checks purchased by the customer
- Fee Schedule
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- No minimum balance
- No monthly service charges
- Infinite check writing
- Variable rate account with competitive interest rates
- Checks purchased by customer
- Fee Schedule
A variable interest rate account that yields competitive interest. Our senior checking account made for individuals aged 50 and wiser.
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- Every year, we provide one FREE box of personalized business image checks.
- No minimum balance
- No monthly service charges
- Infinite check writing
- Variable rate account with competitive interest rates
- Fee Schedule
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- Every year, we provide one FREE box of personalized business image checks.
- Maintain a minimum balance of $1,500 after opening the account.
- A $6 Monthly Maintenance Fee applies if the balance falls under $1,500 during your statement cycle.
- Infinite check writing
- An account with a variable interest rate that yields a greater interest rate if the account balance exceeds $1,500.
- Fee Schedule
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- FREE Standard VISA® Debit Card
- FREE Online Banking & Bill Payment
- FREE Mobile Banking with Mobile Check Deposit feature
- FREE eStatements with online check visuals
- FREE Check Visuals with statements
We also offer a buyback option for your unused checks and debit cards from a different financial institution.
Overdraft Services**
Overdraft Protection AccountAn Overdraft Protection Account (OPA) is a revolving credit line that automatically steps in to cover deficits in your current account. Sometimes, a debit card transaction or check issuance can cause your account to go below zero. The OPA transfers funds to your current account to cover the balance.
This assists in preventing overdraft and bounced-check fees. There is no fee associated with the transfer from a line of credit, but you will be charged interest in accordance with the line of credit agreement.††
This service moves or "sweeps" funds from one account to another to facilitate transactions when funds are inadequate.
There are two ways to set up Sweeps:
Overdraft Sweep
When your account balance is about to go negative, we move money from another account to cover the expense.
Maintenance Funds Transfer
Keeps one account at a certain balance (determined by you) by sweeping funds from another account into the original account.
Sweeps guarantee coverage for your transactions, even if your funds are inadequate. This helps you avoid overdraft fees. Sweeps are a less-expensive alternative to Overdraft Coverage. However, you must have positive funds in another account that we can sweep.
Savings
Planning a dream vacation or just wanting to set aside some cash for security?
We offer savings accounts, money market accounts, certificates of deposit (CDs), and more to meet your financial needs. Our friendly staff will help you decide which product is best for you and answer any questions you may have. Visit us today for more information!
Ready to begin saving today?
Online account opening is a breeze:
Learn About our Savings Options
*Unless otherwise stated, the customer is responsible for buying checks. Additional charges like overdraft, continuous overdraft, and so on may be applicable.
Refer to the fee schedule for more information. We charge a $25 fee for checks and debit cards from a different financial institution.
We will credit your account when you submit the checks/debit cards. Inquire for details. Bank rules and regulations apply.
**We have overdraft services that may be less expensive than fees assessed for an overdrawn account. If you qualify and authorize this service, we can transfer funds from a line of credit to cover items which would otherwise cause your account to be overdrawn or to cover items that would otherwise be rejected for non-sufficient funds. There is no fee associated with the transfer from a line of credit, but you will be charged a Sweep Transfer Fee each time we transfer money from an account other than a line of credit to cover an overdraft or to cover items that would otherwise be rejected for non-sufficient funds. If you have overdraft services, we will attempt to use those services before we pay an overdraft or reject or decline an item.
††As of March 14, 2022, the Annual Percentage Rate (APR) for our Overdraft Protection Account stands at 18.00%. Please note that this information is subject to change after the mentioned date. Must obtain credit approval.