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Personal Checking

NOW Checking - Compare Account Options

Do you prefer to keep higher a checking account balance and want to earn interest based on that balance? The NOW Checking offers a tiered Interest Rate structure with unlimited transactions.

A service charge of $10.00 will be imposed every monthly statement cycle if the balance falls below $1,000 any day of the cycle. You must maintain a minimum daily balance of $1,000 to obtain the highest disclosed annual percentage yield. If your daily balance is $999.99 or less, you will obtain the lowest disclosed annual percentage yield.  Fees could reduce earnings.

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Financial Calculators

Here are some easy-to-use, on-line calculators to help you solve some common financial problems.

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Compare Checking Accounts

All accounts include free:

  • Online Banking
  • 24-hour InTouch phone banking
  • eStatement or paper option - (eChecking offers an eStatement only)
  • Debit Card
  • First Security ATM Transactions


  FREE » eChecking » LIFEPlus » NOW » Money Market* »
Monthly Fee Free None (h) Free None (g) None (g)
Minimum Balance None None None $1,000 $1,000
Age Requirement None None 50+ None None
Earn Interest   Yes (b,c,d) Yes (d) Yes (b,d) Yes (b,c,d)
Free Check Writing Yes   Yes Yes  
Reloadable Card Discount   Yes Yes    
Free ATM Transactions at Any Bank   Yes (e,f)      
Free Online Bill-Pay   Yes      
Free Checks     Yes    
Safe Deposit Box Discount     Yes    
Free Money Orders     Yes (e)    

Minimum opening deposit of $25.00 applies to all accounts. *Transfers to another account or to third parties by preauthorized, automatic, computer,telephone transfer, check, draft, debit card, or similar order are limited to six per monthly statement cycle. We are required to change your account to an account with no transaction limitations if these limits are exceeded. (a) Required. (b) Fees could reduce earnings. See our “Your Deposit Account” brochure for additional miscellaneous fees. (c) On balances over $1000. (d) The annual percentage yield (APY) and interest rate may change at any time. Call 406-585-3800 for interest rates and APYs. (e) Up to 5/month. (f) Includes First Security Bank fees only. (g) Accounts are assessed a $10 fee if the balance drops below the minimum balance required any day of the statement cycle. (h) Five written paper items free per month. Each additional paper item written is .30/item.