Checking & Savings

YES to convenient, personalized, flexible banking.

Free rewards checking accounts with cash back and ATM fee refunds are just the start. Add high-yield savings accounts, online access and mobile check deposit, a free debit card and free bill payment services, a personal financial management app with budgeting and spending tools, and you’ve found the complete solution to your finances. At Park Side, our checking, savings and certificate accounts have been developed with the unique needs of Montanans in mind – when you see the benefits of each, chances are we won’t be the only ones saying yes!

Checking Accounts

Free Kasasa® Checking

Kasasa accounts are all about rewarding account holders every month. They’re free with no monthly maintenance fees, and no minimum balance requirements to earn rewards. Plus, they even refund ATM withdrawal fees, nationwide!*

Even if you don’t meet the qualifications, your Kasasa checking account is still free. (Kasasa Cash allows you to still earn the base rate.) Plus, you can get right back to earning your Kasasa checking cash rewards the very next cycle that you qualify.

  • Free Kasasa Cash® Checking
    2.50% APY on balances up to $15,000*
  • Free Kasasa Cash Back® Checking
    5.00% Cash Back on debit purchases up to $200 ($10 maximum monthly reward)
  • Free Kasasa Tunes® Checking
    $30 Amazon, iTunes, or Google Play bonus credit at account opening and $10 monthly reward
  • Free Kasasa Saver® Account
    0.75% APY on balances up to $100,000*
    *Some qualifications apply

Yes Checking

  • Basic free checking account with no minimum balance requirement or monthly fees
  • Free Visa debit card with check and cash deposits at branch ATMs
  • Mobile banking app with online access, unlimited bill payment, and e-statements
  • Overdraft Privilege available

Teen Checking

  • An independent checking account specifically designed for ages 13-17
  • Mobile banking app with person-to-person (P2P) payments
  • Free Visa debit card with check and cash deposits at branch ATMs

Business Checking

  • No monthly service fee and no minimum balance required
  • Designed for businesses that conduct 500 transactions or less per month
  • Free Visa debit card and online access
  • Payment processing solutions – visit a branch for more information


Regular Share

  • Just $5 to open your membership share savings account at Park Side ATM card with online access and e-statements

Money Market

  • Earn a premium dividend rate by maintaining a balance of at least $1000
  • Allows up to 6 transactions per month
  • Current Rates


  • High-yield Savings account
  • Kasasa Cash or Kasasa Cash Back account required to earn dividends
  • Current Rates

Individual Retirement Account (IRA)

Living the American dream after retirement takes more than modest means. We want to help you plan for those golden years easily, conveniently, and regularly. We’ve discovered that those who begin retirement funding early and contribute on a regular basis are in the best position to enjoy many years of worry-free retirement.

  • Traditional, Roth, and Coverdell Educational IRAs
  • Just $5 to open and begin saving
  • Secure, guaranteed funds invested in Park Side shares and insured by the NCUA
  • Your key to a long-lasting, comfortable retirement begins here at Park Side!

Health Savings Account (HSA)

A health savings account (HSA) is a tax-exempt account that is set up to pay or reimburse certain medical expenses. A high-deductible health plan (HDHP) is required for eligibility and generally has an annual deductible and maximum out of pocket expense limits. Contributions to an HSA can be made by an individual or an employer or both. Contributions limits are set each year by the IRS. Distributions from an HSA must be used for qualifying medical expenses.

Youth Savings

  • A savings account specifically designed for children up to age 12
  • Just $5 to open – ask a branch representative for details


Share Certificate

  • 3-month, 6-month, 1-year, 18-month, 2-year certificates, along with 3-year and 5-year Step-up certificates*, Jumbo 12 Month Share Certificate
  • Earns a premium dividend rate in accordance with the specified term
  • Requires a minimum deposit of $500 (Jumbo certificates also available)
  • Save with confidence and security at Park Side!

*Step-up certificates allow for an increase of rate during the life of the deposit

Youth Certificate

  • 1 Year Share Certificate*
  • $4,000 maximum
  • $100 minimum per deposit
  • Parents must be active members in order to open the certificate
  • Age – 17 and under
  • Rate – 1% over current 5-year rate

*If certificate is closed before the year ends, all dividends earned will be forfeited.


ATM/Debit Card

Interactive Teller Machines (ITM)

  • Live video teller access for everyday transactions
  • Private and secure one-on-one interaction
  • Available at most Park Side locations

Free On-Site ATM/ITMs

  • 1300 Baker Ave, Whitefish, MT 59937
  • 660 Sunset Blvd, Kalispell, MT 59901
  • 1015 9th St W, Columbia Falls, MT 59912
  • 2181 Hwy 2 E Ste 10, Kalispell, MT 59901 (Evergreen)
  • 8111 MT Hwy 35 Ste 110A, Bigfork, MT 59911
  • 2300 Great Northern Ave., Missoula, MT 59808
  • 4055 Brooks St Ste C, Missoula, MT 59804
  • 320 W Broadway St Suite B, Missoula, MT 59802

Co-op ATM Network

Traveling outside the local area? Download the Co-op Network app or use this link to locate one of over 30,000 FREE Co-Op Network ATMs near your destination

Park Side members can also use machines at these Flathead Valley locations for FREE:

  • Costco – 2330 US Hwy 93 N, Kalispell, MT 59901
  • Walgreens – 40 W Idaho St., Kalispell, MT 59901 (open 24 hours)
  • Target – 2365 US Hwy 93 N, Kalispell, MT 59901

Premium card designs below

Premium debit card designs below, upgrade yours for just $5 – ask a Park Side representative!

Lost or Stolen Card?

You can report a lost or stolen card by calling these numbers

Flathead: (800) 449-7728
Missoula: (800) 449-7728
After Hours: (800) 866-4858