See what products below best suits your needs and contact one our new account representatives or operations personnel today for a more detailed account services and fees at (606) 743-3141.

Checking Accounts

Bank of the Mountains offers many different checking accounts that can meet any customer’s needs.  ATM/Debit are available with most accounts.


Regular Checking or Business Checking

A traditional account for everyday use..

    • No fee when a daily minimum balance is kept at or above $450.00
    • Monthly statement available by paper or via email Bank of the Mountains’ internet website
    • Required opening deposit $25.00

Free Checking

  • No minimum balance fee
  • No monthly service fee
  • No paper statements
  • No checks
  • Free internet banking
  • Free mobile banking
  • Free bill pay
  • Debit card is required
  • One free “instant issue” debit card upon account opening
  • Regular NSF fees and daily overdraft fees apply

Senior Checking

An account for those individuals 55 and older.

  • Must be 55 or older
  • Must have a direct deposit
  • No daily minimum balance required and no monthly fee
  • Monthly statement available by paper or via email Bank of the Mountains’ internet website
  • Required opening deposit $25.00

Student Checking

At Bank of the Mountains, students can build or begin building on their banking history by opening and maintaining a student checking account.

  • Must be a full time student (full time college student must maintain no less than 12 hours per semester)
  • Student must be below 24 years of age
  • No daily minimum balance required and no monthly fee
  • Monthly statement available by paper or via email Bank of the Mountains’ internet website
  • Required opening deposit of $25.00

Now Checking

You may earn interest on your checking account at our bank and still have unlimited check writing.

  • Must maintain the daily minimum balance requirement $1,500 or above before receiving interest
  • Interest paid monthly to the account
  • Monthly statement available by paper or via email Bank of the
    Mountains’ internet website

Real Community Bank Club (RCB)

Be a member to our Real Community Bank Club and receive extra benefits.  The RCB Club may be an added feature to any of the bank’s checking account products.

  • Lower daily minimum balance requirement (at or above $100.00)
  • First order of personalized checks
  • Annual Safe Deposit Box Discount
  • One Stop Payment Per Month
  • $30,000 Accidental Death & Dismemberment Insurance Coverage
  • Cellular Telephone Protection*
  • Roadside Assistance
  • Monthly statement available by paper or via email Bank of the mountains internet website

*Some exclusions apply, see brochure for further details.

Saving Accounts

Start now to save for that something special or a rainy day by opening a savings account.  No limitation on the number of deposits, however since we encourage saving there is a limit of 6 withdrawals per month.*  So begin today and save!

Passbook Savings

  • Accounts that drop below $50 will incur a monthly minimum balance fee
  • ATM card available
  • Up to 6 withdrawals per month
  • Interest is paid on accounts in an open status on a quarterly basis (March, June, September, December)
  • Statement annually (monthly statements when required by regulation)

***The Federal Reserve Board on April 24, 2020 announced an interim final rule to amend Regulation D, allowing consumers to make an unlimited amount of withdrawals or deposits from savings deposit accounts instead of being capped at six.  Bank of the Mountains has permanently suspended this regulation, giving their customers an unlimited number of non in person transfers.  However, an “Excessive Activity Fee” may be applied.

Savings Made Simple

An easy way to save money simply by swiping your debit card

  • Can be paired with any checking account (with the exception of Money Market accounts) in which you have a debit card
  • By using your debit card, odd cents are directly deposited into your savings account each day
  • Interest rate is the same as a passbook savings account

Money Market

If you are a customer looking to make more interest than a passbook savings but unlike a locked in period on a certificate, this is the account for you to keep on saving. 

    • Require daily minimum balance of $2,500.00  or above to receive interest
    • Withdrawal of funds available upon a 7 day request
    • May make deposits to the account at any time
    • Interest paid monthly to the account
    • Statement monthly

Certificates of Deposit
Certificates are a higher paying savings account and are set for an agreed period of time for the customer.  Rates vary according to the periods of time.


  • Certificates are fixed rate time deposits
  • Terms are 30 days, 91 days, 182 days, 12 months, 18 months, 24 months, 36 months, 48 months or 60 months
  • Interest may be paid by check, depositing to checking or savings account, or by adding to the account
  •  A 90 day or 182 day penalty may apply upon early withdrawal


Other Products

Safety Deposit Boxes

What safer place is there to store your deeds, insurance papers and other valuables other than a Safety Deposit Box at one of our offices to complete your banking needs?

  • Must maintain an account with Bank of the Mountains to rent a Safety Deposit Box
  • May enter the Safety Deposit Box any time during banking hours
  • Rental may be paid annually by cash, automatic withdrawal from checking or savings account with Bank of the Mountains, or by check
  • Safety Deposit Box sizes are as follow:  3 X 5 – $30.00, 3 X10 – $40.00, 5 X 10 – $55.00, 10 X 10 – $65.00
  • RCB members get a $5 discount off a small box rental

Mobile Banking
Whether you need to check your account balance at the grocery store or transfer money between accounts, Bank of the Mountains has you covered with BOTM Mobile!  BOTM Mobile features unlimited check writing, ATM/Debit card, availability to your account online at bankofthemountains.com, Express Banking, and bill pay.

Our Mobile Banking service offers many other advantages:

  • It’s Secure – Even if your phone is lost or stolen; your personal information is protected.
  • It’s Convenient – When you swipe your debit card, it shows up immediately on your mobile banking app, instant and accurate balance.
  • It Works with Any Mobile Phone – Plus, we have apps for the iPhone and Android

The staff at the Bank work hard to keep you up to date with what our customers want in a bank. BOTM Mobile is available to any customer who is enrolled in online banking. Enroll now, it is quick and easy!

Express Banking

Need to check your account balance at the grocery store or transfer money between accounts?  Express Banking offers 24/7 access!

Online Banking and Bill Pay

Check your account balances and pay your bills online with the click of a button by clicking here and signing up for online banking.

 

Other Services

Wire Transfers
US Savings Bonds
Foreign Currency Orders
Notary Services
Coin Collecting
Come in and see one of our loan officers today about the following loans:

  • Home Loan Mortgages
  • Agriculture Loans
  • Installment Loans
  • Equity Loans
  • Business Loans
  • Auto Loans
  • Vacation Loans

To learn how to more effectively manage your personal finances, you may access free or low-cost financial education workshops at the following websites: