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BTC Bank

Regular Checking

Are you looking for a basic checking account that offers everything you need and nothing you don’t? Regular Checking from BTC Bank is the best regular checking account in Missouri and Iowa.

What is Regular Checking?

If you want to compare regular checking accounts, ours offers a basic checking account that is totally free as long as you meet certain requirements.

Benefits and Features of Regular Checking

  • Free Online Banking and Bill Pay
  • Free Debit/ATM Card
  • Free 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 students, customers 65 years and older and BTC Banner Club members).

When to choose Regular Checking

Simple bank account options are great for students and others who want a basic, free checking account. If you want to earn interest or other rewards on your checking account, check out Kasasa Cash and Kasasa Cash Back as alternatives to our Regular Checking account.

Open a new checking account from BTC Bank!


Comparing free checking accounts in Missouri or Iowa? Learn more about BTC Bank’s Regular Checking. Call or visit your local BTC Bank branch in Bethany, Gallatin, Albany, Pattonsburg, Chillicothe, Lamoni, Carrollton, Boonville, Beaman, Trenton, Maysville, Osborn, Buffalo, Cameron, Jamesport, Gilman City and Oregon. We serve the banking needs of communities throughout Missouri & Lamoni, Iowa, and offer our customers access to a nationwide ATM network.

FAQS About Regular Checking Accounts


What is a free checking account?

Free checking simply means a deposit account without a monthly service fee. Sometimes there are certain criteria you need to meet.

What are the types of checking accounts?

The most common types of checking accounts are student or senior checking, regular checking, and interest-bearing or rewards checking accounts.

How much money can you keep in a regular checking account?

While there is no maximum limit on your checking account balance, FDIC insurance only provides coverage up to $250,000.

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School Mascot Debit Cards

The Mascot Debit Card is available for new accounts
or replacement card for an existing account.

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Saving for that special occasion, children's education, home improvement, or travel?