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Compare Checking Accounts
Find the checking account that best fits your needs
Our options let you manage money the way you want, without the fees.
Premium Checking
Earn 3.50% APY* by doing the things you already do.
Free Checking
Get a totally free checking account so you can focus on what matters most to you.
Student Checking
Manage your money with the technology you expect and none of the fees.
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Premium Checking
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Free Checking
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Student Checking
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|---|---|---|
| Earns interest | ||
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3.50% APY*- no maximum balance |
No interest paid |
No interest paid |
| Monthly service fee | ||
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Free - no monthly fee |
Free - no monthly fee |
Free - no monthly fee |
| Minimum Opening Deposit | ||
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$20.00 |
$20.00 |
$20.00 |
| ATM Access | ||
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Free at all Monterra ATMs and over 30,000 network ATMs nationwide |
Free at all Monterra ATMs and over 30,000 network ATMs nationwide |
Free at all Monterra ATMs and over 30,000 network ATMs nationwide |
| Visa® Debit Card | ||
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Free and accepted at over 23 million locations worldwide |
Free and accepted at over 23 million locations worldwide |
Free and accepted at over 23 million locations worldwide |
| Online Banking with Bill Pay | ||
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Free and simple to use to check balances, transfer money, pay bills, and more |
Free and simple to use to check balances, transfer money, pay bills, and more |
Free and simple to use to check balances, transfer money, pay bills, and more |
| Mobile Banking with Mobile Deposit | ||
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Free and convenient for banking on the go – you can even deposit a check |
Free and convenient for banking on the go – you can even deposit a check |
Free and convenient for banking on the go – you can even deposit a check |
| Account Alerts | ||
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Free and easy to set up; stay aware of account and card activity to avoid fraud |
Free and easy to set up; stay aware of account and card activity to avoid fraud |
Free and easy to set up; stay aware of account and card activity to avoid fraud |
| Text Fraud Alerts | ||
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Free service that alerts you immediately about any suspicious purchase(s) |
Free service that alerts you immediately about any suspicious purchase(s) |
Free service that alerts you immediately about any suspicious purchase(s) |
| Overdraft Protection | ||
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Free when you set up overdraft protection from your Monterra Savings Account; paid options available with a Monterra Credit Card and Courtesy Pay |
Free when you set up overdraft protection from your Monterra Savings Account; paid options available with a Monterra Credit Card and Courtesy Pay |
Free when you set up overdraft protection from your Monterra Savings Account; paid options available with a Monterra Credit Card and Courtesy Pay |
| Check Reordering | ||
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Premium Checking
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|---|
| Earns interest |
|
3.50% APY*- no maximum balance |
| Monthly service fee |
|
Free - no monthly fee |
| Minimum Opening Deposit |
|
$20.00 |
| ATM Access |
|
Free at all Monterra ATMs and over 30,000 network ATMs nationwide |
| Visa® Debit Card |
|
Free and accepted at over 23 million locations worldwide |
| Online Banking with Bill Pay |
|
Free and simple to use to check balances, transfer money, pay bills, and more |
| Mobile Banking with Mobile Deposit |
|
Free and convenient for banking on the go – you can even deposit a check |
| Account Alerts |
|
Free and easy to set up; stay aware of account and card activity to avoid fraud |
| Text Fraud Alerts |
|
Free service that alerts you immediately about any suspicious purchase(s) |
| Overdraft Protection |
|
Free when you set up overdraft protection from your Monterra Savings Account; paid options available with a Monterra Credit Card and Courtesy Pay |
| Check Reordering |
|
|
Free Checking
|
|---|
| Earns interest |
|
No interest paid |
| Monthly service fee |
|
Free - no monthly fee |
| Minimum Opening Deposit |
|
$20.00 |
| ATM Access |
|
Free at all Monterra ATMs and over 30,000 network ATMs nationwide |
| Visa® Debit Card |
|
Free and accepted at over 23 million locations worldwide |
| Online Banking with Bill Pay |
|
Free and simple to use to check balances, transfer money, pay bills, and more |
| Mobile Banking with Mobile Deposit |
|
Free and convenient for banking on the go – you can even deposit a check |
| Account Alerts |
|
Free and easy to set up; stay aware of account and card activity to avoid fraud |
| Text Fraud Alerts |
|
Free service that alerts you immediately about any suspicious purchase(s) |
| Overdraft Protection |
|
Free when you set up overdraft protection from your Monterra Savings Account; paid options available with a Monterra Credit Card and Courtesy Pay |
| Check Reordering |
|
|
Student Checking
|
|---|
| Earns interest |
|
No interest paid |
| Monthly service fee |
|
Free - no monthly fee |
| Minimum Opening Deposit |
|
$20.00 |
| ATM Access |
|
Free at all Monterra ATMs and over 30,000 network ATMs nationwide |
| Visa® Debit Card |
|
Free and accepted at over 23 million locations worldwide |
| Online Banking with Bill Pay |
|
Free and simple to use to check balances, transfer money, pay bills, and more |
| Mobile Banking with Mobile Deposit |
|
Free and convenient for banking on the go – you can even deposit a check |
| Account Alerts |
|
Free and easy to set up; stay aware of account and card activity to avoid fraud |
| Text Fraud Alerts |
|
Free service that alerts you immediately about any suspicious purchase(s) |
| Overdraft Protection |
|
Free when you set up overdraft protection from your Monterra Savings Account; paid options available with a Monterra Credit Card and Courtesy Pay |
| Check Reordering |
|
Premium Checking makes it easy to earn 3.50%APY*
- Make 10 or more Visa® Debit Card purchases each month
- Make one or more direct deposit, ACH or payroll deposits each month – any amount
- Select eStatements instead of mailed statements