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BTC Bank

Personal NOW Checking Account

Are you looking for checking accounts with interest in Missouri or Iowa? Personal NOW Checking is an interest-bearing account with a low minimum balance requirement.

What is Personal NOW Checking?

Personal NOW from BTC Bank is an interest-bearing checking account that helps you grow your funds with a low minimum balance requirement and other perks such as a free initial check order.

Benefits and Features of 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.
  • Free Debit/ATM card
  • Free Online Banking and Bill Pay
  • Free initial order of New Account checks
  • Unlimited Check writing
  • Check Printing: Cost depends on the style of check ordered 

When to choose Personal NOW Checking

This checking account is a great option for people who want to earn interest on their funds but don’t use their debit card enough to meet the qualifications for cash-back accounts.


Learn more about BTC Bank’s interest earning checking accounts!



Learn more about Personal NOW Checking, or open a new checking account with BTC Bank. Call or visit your local branch in Albany, Beaman, Bethany (HQ), Boonville, Buffalo, Cameron, Carrollton, Chillicothe, Columbia, Fayette, Gallatin, Gilman City, Hardin, Jamesport, Maysville, Oregon, Osborn, Pattonsburg, Salisbury and Trenton, Missouri. We serve the banking needs of communities throughout Missouri & Lamoni, Iowa, and offer our customers access to a nationwide ATM network.

FAQS About Checking Accounts With Interest


Do checking accounts earn interest?

Yes, certain checking accounts accrue interest in return for requirements such as maintaining a minimum balance or making a certain amount of monthly transactions.

Are interest-bearing checking accounts worth it?

Yes, if you are able to meet the eligibility requirements to earn interest on your checking account balance, you have nothing to lose and only extra cash to gain.

Contact us to find out more about our current rates.

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