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Checking options range from basic free checking to a variety of interest-bearing accounts and other features, all designed to help you manage your money effectively.
With any option, you can enjoy Internet access to your account, the convenience of a Rocky Mountain Bank Check Card, and monthly statements that work for you.
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 Click here to complete an ONLINE APPLICATION for any of the below accounts.
Cash Rewards Checking
Cash Rewards Checking isn’t like other checking accounts that require high balances or charge monthly fees to earn interest.
Cash Rewards Checking offers 4.01% APY* and Free ATMs nationwide, along with some great benefits.
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Free Checking
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Free Debit Card**
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Free Online Banking
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Free Bill Pay
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No Minimum Balance Requirement
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No Monthly Fees
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ATM Fees are automatically refunded
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Always earn interest, regardless of your balance!
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4.01% APY* on balances of $.01 to $20,000
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1.01% APY* on balances over $20,000
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0.05% APY* on balances even when you don't meet the 3 easy steps!
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Just Three Easy Steps to Earn Bonus Rates and Free ATMs Nationwide***
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A.
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Use your FREE Debit Card***
Make purchases without writing checks using our FREE VISA® Debit Card. Simply have 15 or more signature-based purchases posted within the monthly qualification cycle.
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B.
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Sign up for direct deposit
Have one or more direct deposits each month.
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C.
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Go electronic and eliminate paper statements with FREE eStatements
Each month we’ll send you an email to tell you your statement is ready to view online. You must have a valid email address to receive notification.
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We want to REWARD you for helping us operate more efficiently. If you don't do everything you need to do to get the Rewards one month, don't worry - you still have a great free checking account, and you can try again to meet the requirements the next month.
Ready to start earning? Stop in today and open your Cash Rewards Checking account!
More Information
*Cash Rewards Checking requires $25 opening balance; no minimum balance thereafter. If requirements are met during statement cycle, 4.01% Annual Percentage Yield (APY) (Cash Reward) is paid up to $20,000. On any balance above $20,000, 1.01% APY is paid. If requirements are met during the statement cycle, ***ATM surcharge fees of up to $20 per statement cycle will be refunded. Requirements for earning Cash Rewards and fee refunds include: 15 debit transactions in statement cycle (ATM transactions excluded), and electronic statement delivery, valid e-mail address and one direct deposit per statement cycle. APY accurate as of 4/01/09. Rates and terms subject to change without notice. ** Replacement/Lost Card Fees May Apply. At the present time, Rocky Mountain Bank is accepting accounts only from its local service areas.
Checking That's All About You
The benefits you receive through the Checking Plus package save you time and money, and provide you with additional peace of mind.
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FREE checks
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FREE cashier's and traveler's check
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Free 3x5 safe deposit box for one year
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Check Images returned with statement
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$250 savings on mortgage closing costs
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Unlimited check writing privileges
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Free Debit Card*
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Free Online Banking
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Free Bill Pay
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Click here for more information about Checking Plus.
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FREE CHECKING PACKAGE
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This account is best for people who want to keep things simple and desire an account with no minimum balance requirement and no monthly service charge.
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INTEREST CHECKING
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If you prefer to earn interest on your basic checking account, Interest Checking is for you. Maintain a $500 minimum daily balance or $1,000 monthly average balance to avoid a monthly service charge.
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GOLD CHECKING PACKAGE
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For people who expect certain advantages the Gold Checking Package requires a minimum combined monthly deposit balance of $5,000 to qualify for free banking services and avoid a monthly service charge. This account rewards customers for consolidating their accounts with the bank and includes free cashiers, traveler's checks and money orders.
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PLATINUM CHECKING PACKAGE
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Maximize your relationship with Rocky Mountain Bank and we'll maximize your checking account benefits! Our Platinum Checking Package is an interest-bearing checking account for our customers who maintain $50,000 in combined deposit and consumer loan balances. As long as you maintain the combined minimum balance there will be no monthly fee and these benefits.
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Free printed checks
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Free cashier's checks and traveler's checks
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Free check images included with your statement
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Discount on a safe-deposit box
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0.10% bonus rate on regular-term CDs****
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All Rocky Mountain Bank checking accounts include free online banking, free bill pay, free VISA® debit cards* and Overdraft Privilege**.
*Replacement card fee may apply. **$32 for each overdraft advance, created by check, in-person withdrawal, ATM withdrawal or other electronic means. Overdraft Privilege balances must be repaid in 30 days. Whether your overdrafts will be paid is discretionary, and we reserve the right not to pay. For example, we typically don't pay overdrafts if your account is not in good standing, you are not making regular deposits or you have too many overdrafts. ***This is not insurance. ****Not available on promotional offers.
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