Unlimited check writing
With all our accounts, enjoy:
Online banking & bill pay
Free initial order of new account checks
At BTC Bank, we’re proud to offer a complete range of checking accounts with some of the best rewards available.
Whether you’re looking to get cash back on everyday debit card purchases or earn interest in a high yield checking account, we have the personal checking options to fit your needs. Our friendly team can help you select the account with the best benefits. If you're looking to open a new BTC Bank account, we have helpful information available on how you can Join the BTC Bank Community.
Compass Checking
Earn a return on your balance with Compass Interest Checking or get rewarded on your everyday debit card purchases with Compass Cash Back Checking
- A minimum deposit of $100.00 is required to open an account.
- No Minimum Balance to Earn Rewards
- Free Debit/ATM Card
- No Monthly Service Fee
- Monthly rewards if the following criteria are met:
- One direct deposit/ACH credit or debit
- Twelve debit card transactions
- Compass Savings Available
- E-Statement enrollment required.
Regular Checking
Are you looking for a simple, convenient checking account that offers everything you need and nothing you don't?
- A minimum deposit of $100.00 is required to open an account.
- Free Debit/ATM Card
- E-Statement enrollment optional
- Minimum Balance Requirement: $300.00
Personal NOW Checking
Grow your funds with a convenient, interest-bearing checking account with a low minimum balance requirement.
- A minimum deposit of $1,000.00 is required to open an account.
- Free Debit/ATM Card
- Interest-Bearing: Contact us for current rates
- E-Statement enrollment optional
- Minimum Balance Requirement: $1,000.00
Tiered Money Market
Grow your funds with a high-yield Tiered Money Market account.
- A minimum deposit of $2,500.00 is required to open an account.
- Interest-Bearing: Contact us for current rates
- E-Statement enrollment optional
- Minimum Balance Requirement: $1,000.00
In addition to checking accounts, we offer Youth Accounts and a variety of Savings Accounts to meet your needs.
Why a Community Bank?
At BTC Bank, investing locally enables us to support our communities and their unique needs. Unlike large commercial banks, the money you deposit with BTC Bank stays local, growing the economy and creating jobs. Banking with a community bank is like shopping local—it keeps money in the community and helps it thrive.
Mascot Debit Cards
Show your school spirit and support your local school at no cost to you with a Mascot Debit Card!
- BTC bank donates 7.5¢ to your school for each swipe.
- Available for new checking accounts or as a replacement card.
- Instant issue cards, so you can start making a difference today.
Banner Club
The Banner Club is a club designed exclusively for customers age 50 and over with a cumulative deposit balance maintained at $5,000.00 or above or loan amount of $75,000.00 or above at BTC Bank.