Best Banks & Checking Accounts in Billings, Montana - April 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Billings, Montana include Valley Financial Credit UnionValley Financial Credit Union1541 Custer Ave, Billings, MT 59102A+5.0 ★Texas Ratio: 2.09% Rewards Checking at 4.50% APY, Intrepid Credit UnionIntrepid Credit Union1131 N 27th St, Billings, MT 59101 0121A+5.0 ★Texas Ratio: 1.35% Community Checking at 1.26% APY, Opportunity Bank of MontanaOpportunity Bank of Montana1005 N 27th St, Billings, MT 59101A+5.0 ★Texas Ratio: 3.78% Opportunity Reward Checking at 1.00% APY, SEG Federal Credit UnionSEG Federal Credit Union2320 Zoo Dr, Billings, MT 59101 6231A+5.0 ★Texas Ratio: 2.32% Share Draft (Checking) at 0.05% APY, and Three Rivers Bank of MontanaThree Rivers Bank of MontanaA+5.0 ★Texas Ratio: 4.11% Free Kasasa Cash Back Checking at 5.50% APY. Checking account rates as of April 6, 2026 according to verified data from MonitorBankRates.
Billings has 4 local institutions in our database, with checking rates as high as 4.50% APY from Valley Financial Credit Union at 1541 Custer Ave, Billings, MT, 59102. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Billings, Montana. Checking Account Rates Last Updated and Verified: April 6, 2026
Compare Checking Account Rates Today in Billings, Montana & the Surrounding Area
Billings, MT 59102
Qualifying balance up to $10,000
Billings, MT 59101 0121
No additional details provided.
Billings, MT 59101
Qualifications Required; Qualifying balance up to $1,000.00
Billings, MT 59102
Qualifying balance up to $5,000
Billings, MT 59101 0121
No additional details provided.
Billings, MT 59102
No additional details provided.
Billings, MT 59101 0121
No additional details provided.
Billings, MT 59101 0121
No additional details provided.
Billings, MT 59101 0121
No additional details provided.
Billings, MT 59102
No additional details provided.
Billings, MT 59102
No additional details provided.
Billings, MT 59102
No additional details provided.
Billings, MT 59101 0121
No additional details provided.
Billings, MT 59101 6231
No additional details provided.
cash back on purchases.*
Cash Back on debit purchases up to $200 ($10 maximum monthly reward)
Qualifications Required; Qualifying balance up to $10,000
Qualifying balance up to $10,000.00
No additional details provided.
No additional details provided.
Billings, MT 59102
Qualifying balance up to $10,000
Billings, MT 59101 0121
No additional details provided.
Billings, MT 59101
Qualifications Required; Qualifying balance up to $1,000.00
Billings, MT 59102
Qualifying balance up to $5,000
Billings, MT 59101 0121
No additional details provided.
cash back on purchases.*
Cash Back on debit purchases up to $200 ($10 maximum monthly reward)
Qualifications Required; Qualifying balance up to $10,000
Qualifying balance up to $10,000.00
No additional details provided.
Qualifications Required; Qualifying balance up to $2,000.00
No additional details provided.
No additional details provided.
No additional details provided.
Billings, MT 59102
Qualifying balance up to $10,000
Billings, MT 59101
Qualifications Required; Qualifying balance up to $1,000.00
cash back on purchases.*
Cash Back on debit purchases up to $200 ($10 maximum monthly reward)
Qualifications Required; Qualifying balance up to $10,000
Qualifications Required; Qualifying balance up to $2,000.00
cash back on purchases.*
No additional details provided.
No additional details provided.
Billings, MT 59102
Qualifying balance up to $5,000
No additional details provided.
Billings, MT 59102
No additional details provided.
Billings, MT 59102
No additional details provided.
Billings, MT 59105
$20,000 +
Billings, MT 59101 0121
No additional details provided.
Billings, MT 59105
$20,000 +
Billings, MT 59105
$1,000
Billings, MT 59102
No additional details provided.
Billings, MT 59102
Qualifying balance up to $9,999.99
Billings, MT 59105
under $20,000
Billings, MT 59101 0121
No additional details provided.
Minimum Deposit to Open and Obtain APY*: $50,000 and Over
Minimum Deposit to Open and Obtain APY*: $25,000 - $49,999.99
No additional details provided.
Minimum Deposit to Open and Obtain APY*: $10,000 - $24,99.99
No additional details provided.
No additional details provided.
No additional details provided.
Minimum Deposit to Open and Obtain APY*: Less than $10,000
No additional details provided.
Billings, MT Checking Rate Trends
Compare local Billings, MT checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Montana high-yield checking rates rose 3.890 points over the past 7 days to 4.122% APY.
Montana free checking rates rose 1.107 points over the past 7 days to 1.370% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Billings, Montana directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Billings, Montana. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in MT.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Billings, Montana earn interest?
Are banks in Billings, Montana FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Billings, Montana
- Valley Financial Credit Union
Rewards Checking — 4.50% APY - Intrepid Credit Union
Community Checking — 1.26% APY - Opportunity Bank of Montana
Opportunity Reward Checking — 1.00% APY - SEG Federal Credit Union
Share Draft (Checking) — 0.05% APY - Three Rivers Bank of Montana
Free Kasasa Cash Back Checking — 5.50% APY
