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BTC Bank

Checking Accounts

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.

Compass Checking


BTC Bank Compass logo Interest or Cash back 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
  • Online Banking and Bill Pay
  • Debit/ATM Card
  • No Minimum Balance to Earn Rewards
  • No Monthly Service Fee
  • Check Printing: Cost depends on the style of check ordered
  • Unlimited Check Writing
  • Initial order of New Account checks
  • Compass Savings Available
  • A minimum deposit of $100.00 is required to open an account.
Decide whether the Compass Interest Checking or the Compass Cash Back Checking is right for you by viewing the Compass Checking Comparison Chart.

Regular Checking


  • Online Banking and Bill Pay
  • Debit/ATM Card
  • Initial order of New Account checks
  • Unlimited Check Writing
  • Check Printing: Cost depends on the style of check ordered
  • A minimum deposit of $100.00 is required to open an account
  • If the account falls below $300.00 any day of the statement cycle a $3.00 service charge will apply (fee does not apply to minors, customers 65 years and older and BTC Banner Club members).

Personal NOW Checking


  • Interest Bearing Account
  • A minimum deposit of $1,000.00 is required to open an account
  • If the account falls below $1,000.00 any day of the statement cycle a $5.00 service charge will apply.
  • Debit/ATM card
  • Online Banking and Bill Pay
  • Initial order of New Account checks
  • Unlimited Check Writing
  • Check Printing: Cost depends on the style of check ordered

Tiered Money Market


  • Interest Bearing Account - contact us for current rates
  • Online Banking and Bill Pay
  • Minimum deposit to open account $2,500.00
  • If the account falls below $1,000.00 any day of the statement cycle a $5.00 service charge will apply.
  • Limited to 6 withdrawals per month. Unlimited in-bank withdrawals or transfers.
  • Check Printing: Cost depends on the style of check ordered

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. This club offers distinctive personalized banner club checks, money orders, cashier’s checks, and stop payments. Members will receive a newsletter and also be invited to participate in group travel and our annual Banner Club membership dinner. For more information or to sign up, please see your customer service representative.

We serve the banking needs of communities throughout Missouri & Lamoni, Iowa, and offer our customers access to a nationwide ATM network. Call or visit your local BTC Bank branch to get started today.

 

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