Reward Account Information

Montgomery eBlue Checking

*Interest rate and corresponding annual percentage yield (APY) are tiered. Minimum monthly account activity requirements that must post and settle during each qualification cycle to receive the maximum APY and ATM refunds are: (a) 12 or more Montgomery Bank debit card point-of-sale purchases (excludes ATM transactions); (b) at least one monthly direct deposit or ACH auto debit; and (c) receive your monthly bank statements via electronic banking. Invalid e-mail address and no online bank statement, requiring a paper statement, will incur a $3 monthly fee. If minimum requirements are met, the interest rate paid on daily balances of $15,000.00 or less will be 1.99% with an APY of 2.01%. An interest rate of .07% will be paid on your daily balance greater than $15,000.00. The APY range for this tier is 2.01% to .24%, depending on the balance. (APY calculations based on $100,000 balance.) Maximum ATM fee refund per cycle is $6. If you do not meet the minimum requirements per qualification cycle, your account will earn 0.01% APY on the entire account balance and will not receive ATM fee refunds for that cycle period. Rates are effective January 1, 2024. This is a split-tiered variable rate account and rates may change at any time after account opening. Minimum balance to open is $50.00. No minimum balance requirement after account opening. Available for personal accounts only. Limit one eBlue Checking account per Tax Identification Number (TIN). Fees may reduce earnings. See Miscellaneous Fee Schedule for a listing of current applicable fees. ATM refunds apply to non-Montgomery Bank ATM Fees and other non-proprietary ATM surcharges at domestic ATMs.

Montgomery eGold Checking

*Interest rate and corresponding annual percentage yield (APY) are tiered. Minimum monthly account activity requirements that must post and settle during each qualification cycle to receive the maximum APY and ATM refunds are: (a) 12 or more Montgomery Bank debit card point-of-sale purchases (excludes ATM transactions); (b) at least one monthly direct deposit or ACH auto debit; (c) receive your monthly bank statements via electronic banking; and (d) have one or more qualified mortgage, home equity or commercial loan with Montgomery Bank. Invalid e-mail address and no online bank statement, requiring a paper statement, will incur a $3 monthly fee. If minimum requirements are met, the interest rate paid on daily balances of $15,000.00 or less will be 2.97% with an APY of 3.01%. An interest rate of .07% will be paid on your daily balance greater than $15,000.00. The APY range for this tier is 3.01% to .39%, depending on the balance. (APY calculations based on $100,000 balance.) Maximum ATM fee refund per cycle is $6. If you do not meet the minimum requirements per qualification cycle, your account will earn 0.01% APY on the entire account balance and will not receive ATM fee refunds for that cycle period. Rates are effective January 1, 2024. This is a split-tiered variable rate account and rates may change at any time after account opening. Minimum balance to open is $50.00. No minimum balance requirement after account opening. Available for personal accounts only. Limit one eGold Checking account per Tax Identification Number (TIN). Fees may reduce earnings. See Miscellaneous Fee Schedule for a listing of current applicable fees. ATM refunds apply to non-Montgomery Bank ATM Fees and other non-proprietary ATM surcharges at domestic ATMs.

Montgomery Cash Back Checking

*Montgomery Cash Back checking is a variable reward checking account and may change at any time after the account is opened. Minimum monthly account activity requirements that must post and settle during each qualification cycle to receive the Cash Back Reward and ATM refunds are: (a) 12 or more Montgomery Bank debit card point-of-sale purchases (excludes ATM transactions); (b) at least one monthly direct deposit or ACH auto debit; and (c) receive your monthly bank statements via electronic banking. Invalid e-mail address and no online bank statement, requiring a paper statement, will incur a $3 monthly fee. If minimum requirements are met, you will receive 4% cash back on PIN-based and credit/signature-based debit card purchases that post to and settle to the account during that qualification cycle period. A maximum of $8 cash back payments may be received per monthly cycle. Maximum ATM fee refund per cycle is $6. If you do not meet the minimum requirements per qualification cycle, no cash back payments are made and ATM withdrawal fees are not refunded. Cash Back Reward percentage is effective January 1, 2024. Minimum balance to open is $50.00. No minimum balance requirement after account opening. Available for personal accounts only. Limit one Montgomery Cash Back checking account per Tax Identification Number (TIN). Fees may reduce rewards. See Miscellaneous Fee Schedule for a listing of current applicable fees. ATM refunds apply to non-Montgomery Bank ATM Fees and other non-proprietary ATM surcharges at domestic ATMs.

Montgomery eBlue Savings

*An annual percentage yield (APY) of 2.01% will be paid on daily collected balances up to $50,000, and 1.99% APY will be paid on all amounts above $50,000 each statement cycle the minimum activity requirements are met.  Rates are effective May 1, 2026.  This is a variable rate account, and the interest rate and APY may change at any time after the account is opened.  The minimum balance to open this account is $100.00.  There is no monthly maintenance fee and no minimum balance requirement to be met after account opening.  This product is available on personal accounts only.  Minimum monthly account activity requirements on linked Montgomery eBlue Checking to receive the maximum APY and ATM refunds include using your Montgomery Bank Visa Debit Card for 12 or more point-of-sale purchases per statement cycle (excluding ATM transactions), establishing at least one monthly direct deposit or a monthly recurring ACH auto debit per statement cycle,  maintaining a valid email address, and receiving your monthly bank statements over the internet with our free eStatement service.  If you do not meet the minimum requirements per statement cycle, your account will earn 0.01% APY on daily collected balances and will function as a free checking account with no monthly maintenance fee, however, it will not receive ATM fee refunds for that cycle period. A monthly cycle begins on the 29^th day of each month and ends on the 28^th day of the following month. Fees may reduce earnings.  See Miscellaneous Fee Schedule for a listing of current applicable fees.  Product limited to one Montgomery eBlue Savings account per individual.  **ATM refunds apply to non-Montgomery Bank ATM Fees and other non-proprietary ATM surcharges incurred at domestic ATMs which will automatically be refunded at the end of each statement cycle if all minimum account requirements have been met up to a combined maximum refund of $25.00 per statement cycle. . Montgomery eBlue Savings Patent Pending by BancVue.  Member FDIC 

Montgomery eGold Savings

*An annual percentage yield (APY) of 3.01% will be paid on daily collected balances up to $50,000, and 1.99% APY will be paid on all amounts above $50,000 each statement cycle the minimum activity requirements are met.  Rates are effective June 1, 2026.  This is a variable rate account, and the interest rate and APY may change at any time after the account is opened.  The minimum balance to open this account is $100.00.  There is no monthly maintenance fee and no minimum balance requirement to be met after account opening.  This product is available on personal accounts only.  Minimum monthly account activity requirements on linked Montgomery eGold Checking to receive the maximum APY and ATM refunds include using your Montgomery Bank Visa Debit Card for 12 or more point-of-sale purchases per statement cycle (excluding ATM transactions), establishing at least one monthly direct deposit or a monthly recurring ACH auto debit per statement cycle,  maintaining a valid email address, and receiving your monthly bank statements over the internet with our free eStatement service.  If you do not meet the minimum requirements per statement cycle, your account will earn 0.01% APY on daily collected balances and will function as a free checking account with no monthly maintenance fee, however, it will not receive ATM fee refunds for that cycle period. A monthly cycle begins on the 29^th day of each month and ends on the 28^th day of the following month. Fees may reduce earnings.  See Miscellaneous Fee Schedule for a listing of current applicable fees.  Product limited to one Montgomery eGold Savings account per individual.  **ATM refunds apply to non-Montgomery Bank ATM Fees and other non-proprietary ATM surcharges incurred at domestic ATMs which will automatically be refunded at the end of each statement cycle if all minimum account requirements have been met up to a combined maximum refund of $25.00 per statement cycle. Montgomery eGold Savings Patent Pending by BancVue.  Member FDIC