Personal Banking

Banking solutions designed for your personal financial goals

Banking That Works For You

From everyday checking to long-term savings goals, we have the accounts and services to help you manage your money with confidence.

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Choose Your Account

Essential Checking

Min Balance: $0Monthly Fee: $0
No minimum balance required
Free online and mobile banking
Free debit card with chip technology
Access to 420+ ATMs nationwide
Mobile check deposit
Bill pay and transfers

Premium Checking

Min Balance: $2,500Monthly Fee: $15 (waived with minimum balance)
All Essential Checking features
No ATM fees worldwide
Free certified checks and money orders
Priority customer service
Overdraft protection available
Interest earning potential

High-Yield Savings

Min Balance: $100Monthly Fee: $0
Competitive interest rates
No monthly maintenance fees
Automatic savings programs
Goal-based savings tools
Mobile banking access
FDIC insured up to $250,000

Additional Services

Home Loans & Mortgages

Competitive rates on conventional, FHA, VA, and jumbo loans with local processing.

First-time buyer programs
Refinancing options
Construction loans
Learn More ā†’

Personal Loans

Flexible personal loans for major purchases, debt consolidation, or life events.

Up to $50,000
Fixed rates
Fast approval
Learn More ā†’

Credit Cards

Choose from rewards, cashback, or low-rate credit cards with no annual fees.

Cashback rewards
Travel benefits
Security features
Learn More ā†’

Investment Services

Build wealth with our investment and retirement planning services.

IRAs & 401(k) rollovers
Financial planning
Investment guidance
Learn More ā†’

Why Choose BMT Bank?

Security First

Advanced encryption and fraud protection keep your money safe 24/7.

24/7 Access

Bank anytime, anywhere with our mobile app and online banking platform.

No Hidden Fees

Transparent pricing with no surprise fees or charges on our essential accounts.

Current Rates

High-Yield Savings4.25% APY*
Minimum $100 balance
12-Month CD4.85% APY*
Minimum $1,000 deposit
Personal LoanFrom 6.99% APR*
Rates vary by creditworthiness
Home Equity LinePrime + 0.25%*
Rate subject to change
*APY = Annual Percentage Yield. Rates subject to change.

Quick Actions

Need Help?

Our personal banking specialists are here to help you find the right account.

Phone:1-800-BMT-BANK
Hours:Mon-Fri 8AM-8PM

FDIC Insured

All BMT Bank deposit accounts are FDIC insured up to $250,000 per depositor, per ownership category.

Member FDIC ā€¢ Equal Housing Lender