Personal Checking & Savings

PERSONAL BANKING

checking & savings accounts

Banking Built for Life in Montana

Where local values meet modern banking

Everyone’s financial needs are personal and unique. That’s why we offer a variety of simple and transparent accounts, with customer service based out of the Flathead Valley. When you need us, we’re here.

Competitive Rates

Strong, consistently competitive rates without short-term promotional gimmicks.

Personal Service

Get help from local team members who listen, answer questions, and are here when you need us.

STAY INFORMED

Customizable account alerts help you monitor balances, transactions, deposits, and other activity that matters to you.

PERSONAL CHECKING
PERSONAL SAVINGS

Freedom Bank Checking Accounts

Our checking accounts combine straightforward account options with modern digital tools and personal support right here in the Flathead Valley.

Free Checking

Freedom interest checking

Highly competitive interest paid on tiered balances
Unlimited check writing
No monthly maintenance fee when $500.00 minimum balance is maintained. $8.00 monthly maintenance charge if balance falls below $500.00
Visa® Debit Card available
Minimum opening deposit is $500.00

eagle 50 checking

Designed for customers 50+ years in age
Highly competitive interest paid on tiered balances
No minimum balance
Unlimited check writing
Visa® Debit Card available
Minimum opening deposit is $50.00

Savings Solutions for Everyone

Straightforward savings with competitive rates for new and existing customers alike, without relying on short-term promotional offers.

freedom savings

PERSONAL MONEY MARKET

Highly competitive interest paid on tiered balances
No monthly maintenance fee when $1,000.00 minimum balance is maintained. $10.00 monthly fee if balance falls below $1,000.00.
There is a $10.00 monthly fee if withdrawals exceed 6 per month
Minimum opening deposit is $1,000.00

PATRIOT SAVINGS

PLANNING FURTHER AHEAD?

Explore savings options designed for healthcare expenses, retirement, and money you want to put aside for longer-term goals.

Banking That
Goes With You

Our digital banking tools make it easy to manage your money on your schedule. With a Freedom Bank personal account, you get:

Online & Mobile Banking

Check balances, review transactions, transfer funds, and manage your accounts online or from the Freedom Bank MT mobile app.

Visa® Debit Cards

Tap-to-pay and digital-wallet ready, with replacement cards available to print at the bank if yours is lost or stolen.

Mobile Check Deposit

Deposit eligible checks using the camera on your smartphone.

Card Controls

Your card on your terms. Set controls for when, where, and how your debit card can be used.

Online Bill Pay

Pay bills with ease and schedule recurring payments.

Account Alerts

Choose the notifications that matter to you, including account activity, deposits, balances, and more.

Frequently asked questions

How do I set up direct deposit?

To set up direct deposit, provide your employer or other payer with Freedom Bank’s routing number (092905456) and your full account number. You can find your account number in the Freedom Bank MT mobile app, on your checks or deposit slips, or by contacting us for assistance. Your employer may also ask you to complete a direct deposit authorization form or provide a voided check.

What should I do if I see unauthorized transactions?

If you notice a transaction you don’t recognize, contact us as soon as possible at 406-892-1776. If the transaction involves your debit card, you can immediately lock the card using the Freedom Bank MT mobile app while you contact us. To report a lost or stolen debit card after hours, call our 24/7 card service at 800-472-3272. Visit our Report a Stolen Card page for additional information and next steps.

How do I start using online or mobile banking?