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.
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PERSONAL CHECKING
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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
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No minimum balance -
No monthly mantenance fee -
Unlimited check writing -
Visa® Debit Card available -
Minimum opening deposit is $50.00
Freedom interest checking
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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
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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
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Competitive interest rate -
No maintenance fee when $50.00 minimum balance is maintained. $3.00 quarterly fee if balance falls below $50.00. -
$1.00 fee per withdrawal over 15 withdrawals per quarter -
Minimum opening deposit is $50.00
PERSONAL MONEY MARKET
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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
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Designed for customers under 18 years of age accompanied by an adult over age 18 -
No minimum balance -
$1.00 fee per withdrawal over 15 withdrawals per quarter -
Minimum opening deposit is $10.00
PLANNING FURTHER AHEAD?
Explore savings options designed for healthcare expenses, retirement, and money you want to put aside for longer-term goals.
HEALTH SAVINGS ACCOUNTS
INDIVIDUAL RETIREMENT ACCOUNTS
CERTIFICATES OF DEPOSIT
LEARN MORE
VIEW RATES
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?
Click “Enroll” on our online banking login page to begin the enrollment process. Upon completion, you can then bank digitally via our online banking platform or via the Freedom Bank MT app (available via Google Play Store, Apple App Store.