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FDIC-Insured - Backed by the full faith and credit of the U.S. Government
Mountain West Bank
Online Banking Access

Personal Checking

Check us out for value.check and pen icon

When you open a checking account at a bank, you expect great service, dependability and value.  What you don’t expect (or need) are strings attached to your account in order to avoid fees.

At Mountain West Bank, Totally Free Checking really is FREE!  Free of minimum balances and hidden weekly, monthly or annual fees.  We also have three great interest-bearing accounts to fit your every need.  Plus, when you open your new account, you’ll get something else: a free gift to say "thank you".  We’ll also buy back your old checks or debit card! 

Open a checking account.

Totally Free Checking

A free account for everyone! With no minimum balance or monthly service charge.

Easy Interest

A variable interest rate account that earns competitive interest and has no minimum balance or monthly service charge.

50+ Interest Checking

A variable rate account that earns competitive interest, for those 50 and wiser— with no minimum balance  and no monthly service charge.

Premier Interest Checking

Looking to earn more? Simply maintain a balance of $1500 or more to earn a higher variable interest rate. You will still earn a competitive rate even if your balance falls below $1,500.

*Every new personal checking account includes:

  • FREE Standard VISA® Debit Card
  • FREE Online Banking & Bill Pay
  • FREE Mobile Banking with Mobile Check Deposit
  • FREE eStatements with online check images
  • FREE Check Images with statements
  • FREE Thank You Gift at the time of checking account opening
  • Buy Back of your unused checks and debit cards from another financial institution

Checking Account Comparison

Account Details

Totally Free Checking 

  • No minimum opening deposit
  • No Monthly Service Charge
  • Unlimited Check Writing
  • Non-Interest bearing account
  • Customer purchases checks
  • Fee Schedule

Easy Interest Checking

  • No minimum opening deposit
  • No Monthly Service Charge
  • Unlimited Check Writing
  • Variable interest rate account that earns competitive interest
  • Customer Purchases Checks
  • Fee Schedule

50+ Interest Checking

  • No minimum opening deposit
  • No Monthly Service Charge
  • Unlimited Check Writing
  • Variable interest rate account that earns competitive interest
  • FREE box of personalized corporate image checks per calendar year
  • Fee Schedule

Premier Interest Checking 

(Our highest interest checking account)

  • No minimum opening deposit
  • $1,500 minimum balance
  • Only $6 Monthly Service Charge if minimum balance falls below $1,500 during your statement cycle
  • Unlimited Check Writing
  • Variable interest rate account that earns a higher interest rate if the balance is above $1,500
  • FREE box of personalized corporate image checks per calendar year
  • Fee Schedule 

*Unless specified otherwise, customer purchases checks. Other fees such as overdraft, continuous overdraft, etc. may apply. See fee schedule for details. Bank rules and regulations apply. $25 for checks and debit cards from another financial institution. Your account will be credited at the time the checks/debit cards are presented. Free gift provided at the time of account opening.

 
 
We proudly serve the communities of Coeur d Alene, Post Falls, Hayden, Ponderay, Sandpoint, Bonners Ferry, Boise, Meridian, Nampa, Eagle, Ketchum, & Hailey, Idaho, Spokane, North Spokane, Newport, & Ione Washington.