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BTC Bank

Regular Checking Account

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

  • Debit/ATM Card
  • Check Printing: Free initial new account check order
  • Reorder cost varies according to check style
  • Statement: Monthly - Paper or E-Statement
  • Minimum: $100 deposit to open
  • Fees: A $3.00 service charge will be charged to an account during a statement cycle if the balance falls to
    $300 or below during the statement cycle. This fee does not apply to minors, customers age 65+ years or Banner Club members (age 50 or over and $5,000 in deposits or $75,000 in loans)

When to choose Regular Checking

Simple bank account options are great for minors and others who want a basic, free 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 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 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.

Piggy Bank Icon


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