Personal Banking
Checking Accounts
Our personal checking accounts offer a range of services and benefits with something for everyone. Whether you’re looking to earn interest, no minimum daily balance, or image statements, Altabank has an account to fit your needs.
| Features | Totally Free Checking | Easy Interest Checking | Premier Interest Checking | 50+ Interest Checking |
|---|---|---|---|---|
| Description | A popular FREE, non-interest bearing account with no minimum balance or monthly service charge. | FREE checking with the convenience of direct deposit or automatic loan payments and monthly compound interest. | Checking account with monthly compound interest | FREE checking for customers 50 and older, with monthly compound interest |
| Minimum to open | N/A | N/A | N/A | N/A |
| No below-minimum-balance fee if you maintain a daily balance of | N/A | N/A |
$1,500
|
N/A |
| Below-minimum-balance fee | N/A | N/A |
$6/month
(waived for MyRate Checking account holders)
|
N/A |
| More Features | Totally Free Checking | Easy Interest Checking | Premier Interest Checking | 50+ Interest Checking |
|---|---|---|---|---|
| Image Statements Included |
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| Interest Bearing | |
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| Free Bank Checks—1 box per year | |
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All of our checking accounts include:
- FREE online banking
- FREE mobile banking and smartphone apps
- FREE online bill payments
- FREE online Money Manager budgeting tool
- FREE Visa® debit card
- FREE automatic transfers to your savings or other deposit account
- Unlimited check writing
- Overdraft Protection† (fees apply)
- One-way sweeps (fees apply)
- Third-party online monitoring (fees apply)
- Trusted people to help answer your questions
Savings & Money Market Accounts
Whether you’re building up a rainy-day fund, saving for college expenses or preparing for retirement, Altabank has a savings account to help you reach your goals. Safe deposit options and competitive interest rates will keep your money growing steadily and securely.
Money Market
Our Money Market account has the features of our basic checking account but with interest.‡‡ The account is tiered, which means the higher your balance, the more interest you earn. Limited to 6 transactions per month.
Our Money Market account has the features of our basic checking account but with interest.‡‡ The account is tiered, which means the higher your balance, the more interest you earn. Limited to 6 transactions per month.
Statement Savings
Statement Savings is our simplest savings account that requires a $100 daily minimum balance to avoid a $2.00 service fee.‡ Kids under 18 have no fees or minimum balance requirements.
Statement Savings is our simplest savings account that requires a $100 daily minimum balance to avoid a $2.00 service fee.‡ Kids under 18 have no fees or minimum balance requirements.
IRA
Our IRAs are held in Certificates of Deposit (CDs), not in the stock market, so you’re guaranteed§ a steady return and are covered by FDIC insurance. Choose from traditional or ROTH IRAs.
Our IRAs are held in Certificates of Deposit (CDs), not in the stock market, so you’re guaranteed§ a steady return and are covered by FDIC insurance. Choose from traditional or ROTH IRAs.
Coverdell Educational Savings Account
An Educational Savings Account (ESA) that allows money to grow tax free|| for qualified education expenses related to primary and secondary school, including private school tuition, books and uniforms.
An Educational Savings Account (ESA) that allows money to grow tax free|| for qualified education expenses related to primary and secondary school, including private school tuition, books and uniforms.
Certificates of Deposit
If you can spare access to your cash for at least a few months, our Certificates of Deposit (CDs) could be an effective way to earn interest at rates higher than normal savings accounts. You choose a term ranging from three months to five years, and a fixed interest rate then sit back and let your money go to work for you.
Visa® Credit Card
For those who want a cashless, paperless option, choose from our suite of Visa® Platinum credit cards.
Visa® Platinum Low Rate Credit Card
Our Platinum Low Rate card offers our lowest annual percentage rate (APR) and has no annual fee.**
Our Platinum Low Rate card offers our lowest annual percentage rate (APR) and has no annual fee.**
Visa® Platinum Premier Credit Card
Earn 1.5 reward points for every dollar spent.
Earn 1.5 reward points for every dollar spent.
Visa® Debit Card
For those who want a cashless, paperless option, choose our Visa® debit card tied directly to your CheckSmart™ account.
Digital Wallet
Digital Wallet provides a secure payment method that eliminates the need to carry cash, cards or checks. A simple tap or wave of your phone to a compatible checkout register enables you to pay instantly.
Apple Pay®
Easily add your debit card information using your iTunes® account.
Google Pay®
Easily add your credit and debit card information using the Google Pay app.
Easily add your credit and debit card information using the Google Pay app.
Samsung Pay®
Easily add your debit card information using your Samsung account.
Easily add your debit card information using your Samsung account.
Online Personal Banking
Log in to your personal online banking account 24/7 anywhere there is internet access to keep tabs on your bank accounts. Information is in real-time, meaning you have the most up-to-date balances and transaction history.§§
Do you need help getting set up? View our tutorial.
Mobile Banking
Access real-time balance and transaction information on your smartphone using our mobile site or native mobile banking apps for iPhone®, iPad® or Android™.
Access real-time balance and transaction information on your smartphone using our mobile site or native mobile banking apps for iPhone®, iPad® or Android™.
Mobile ExpressDeposit™
Deposit checks through our mobile banking app directly into your checking or savings accounts without having to come into a branch.
Deposit checks through our mobile banking app directly into your checking or savings accounts without having to come into a branch.
Bill Pay
Set up one-time or recurring online bill payments to anyone, anywhere, from any of your checking accounts.
Set up one-time or recurring online bill payments to anyone, anywhere, from any of your checking accounts.
eStatements
eStatements contain all the information that you receive with a paper statement—including your check images, transaction history and notices—but are securely accessible for you to view or download via your online banking account.
eStatements contain all the information that you receive with a paper statement—including your check images, transaction history and notices—but are securely accessible for you to view or download via your online banking account.
Consumer Loans
Log in to your personal online banking account 24/7 anywhere there is internet access to keep tabs on your bank accounts. Information is in real-time, meaning you have the most up-to-date balances and transaction history.§§
Auto
Our auto loans are available for new and used vehicles with attractive terms up to 120% of trade-in value, with well-qualified applicants often receiving their funds on the same day they apply.¶
Recreational Vehicle
We offer RV and boat loans up to 110% of trade-in value, with well-qualified applicants often receiving their funds on the same day they apply.¶
We offer RV and boat loans up to 110% of trade-in value, with well-qualified applicants often receiving their funds on the same day they apply.¶
Signature
These short-term personal loans don’t require any collateral other than your signature. Signature loans have fast approval turnaround times and involve less paperwork than traditional collateralized loans.¶
These short-term personal loans don’t require any collateral other than your signature. Signature loans have fast approval turnaround times and involve less paperwork than traditional collateralized loans.¶
Credit Reserve
Avoid overdraft and returned-check charges with our open-ended line of credit that advances automatically to cover shortages in your checking account.¶
Avoid overdraft and returned-check charges with our open-ended line of credit that advances automatically to cover shortages in your checking account.¶
Other Services
Additional services at Altabank include:
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AccountSmart™ Tools for Seniors
Senior citizens are at high risk for financial exploitation, including by those they trust most. Ensure your money stays safe in your golden years by using our AccountSmart™ Tools for Seniors to help protect both you and your caregiver as you receive help with everyday finances.
ATM & Night Deposit
Withdraw cash after hours at an Automated Teller Machine (ATM) 24 hours a day, or deposit cash and checks after hours using a secure drop box called the night depository.
Withdraw cash after hours at an Automated Teller Machine (ATM) 24 hours a day, or deposit cash and checks after hours using a secure drop box called the night depository.
Foreign Currency
Exchange foreign currency for U.S. dollars or vice versa.
Exchange foreign currency for U.S. dollars or vice versa.
Direct Deposit / ACH Transfers
Receive recurring third-party deposits into your account, or set up ACH transfers to send money out of your account for online bill payments.
Receive recurring third-party deposits into your account, or set up ACH transfers to send money out of your account for online bill payments.
Wire Transfers
Send money electronically from your Altabank account to other U.S. domestic accounts.
Send money electronically from your Altabank account to other U.S. domestic accounts.
Safe Deposit Box
Rent one of our many-sized boxes inside our bank vaults for the private and safe storing of valuables.
Rent one of our many-sized boxes inside our bank vaults for the private and safe storing of valuables.
Money Orders / Cashier's Checks
Get money orders up to $1,000 or cashier’s checks, both supplied and guaranteed by Altabank.
Get money orders up to $1,000 or cashier’s checks, both supplied and guaranteed by Altabank.