Glacier Bank Review 2025
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Glacier Bank Review 2025
6 min read
T
By: Tyler Richards

 

About Glacier Bank

 

Glacier Bank was founded in 1955 as First Federal Savings and Loan in Kalispell, Montana. Its parent company was established in 1990 as Glacier Bancorp, and the bank was rebranded as Glacier Bank in 1992. Glacier Bank operates seventeen branches in Arizona, Colorado, Idaho, Montana, Nevada, Utah, Washington, and Wyoming, all under different names. Glacier Bank is the name of the original branch in Kalispell, Montana.

 

Featured Offers

Glacier Bank logo
Bank Grade
Top 5% rate
4.84% APY
3 Month Special CD
3 Month CD by Glacier Bank
Glacier Bank logo
Bank Grade
4.44% APY
7 Month Special CD
6 Month CD by Glacier Bank
Glacier Bank logo
Bank Grade
3.00% APY
13 Month Special CD
1 Year CD by Glacier Bank
Glacier Bank logo
Bank Grade
0.01% APY
50+ Interest Checking
Senior Checking by Glacier Bank

 

Glacier Bank Overview

 

Glacier Bank is a full-service bank that offers CD, checking, money market, and savings accounts at its 17 branches throughout the Rocky Mountain states. Glacier Bank is the name of the main and original branch in Kalispell, Montana. The other sixteen branches are the following:

 

  • First Security Bank of Missoula (Missoula, Montana)

  • Valley Bank of Helena (Helena, Montana)

  • First Security Bank (Bozeman, Montana)

  • Western Security Bank (Billings, Montana)

  • First Bank of Montana (Lewistown, Montana)

  • Mountain West Bank (Coeur d’Alene, Idaho)

  • Citizens Community Bank (Pocatello, Idaho)

  • First Bank (Powell, Wyoming)

  • First State Bank (Wheatland, Wyoming)

  • North Cascades Bank (Chelan, Washington)

  • Bank of the San Juans (Durango, Colorado)

  • Collegiate Peaks Bank (Buena Vista, Colorado)

  • The Foothills Bank (Yuma, Arizona)

  • First Community Bank (Layton, Utah)

  • Heritage Bank of Nevada (Reno, NV)

  • Altabank (American Fork, UT)

 

 

Competitive APYS on its special CDs.APYs are low on most of its products.
No minimum opening deposits on all of its non-CD accounts.Monthly service charges are assessed if certain balance requirements are not maintained.
Accounts can be opened online and are open to anyone throughout the country.The bank operates under different names in the different states it has branches in.

 

 

Glacier Bank Offerings

 

CDs

 

A certificate of deposit (CD) is a form of savings account that pays a fixed interest rate on the money in the account for a certain period, known as a term. Glacier Bank offers CDs with terms ranging from three months to five years. The APYs on its special CDs are higher than the national averages of 2.60% while the rest are at or below the national average. Here are the details for some of the bank's CD offerings for April 2025:

 

Glacier Bank
3 Month Special CD
3 Month CD by Glacier Bank
Bank Grade
B+
APY
4.84%
Avg. user rating
5.00

Glacier Bank
7 Month Special CD
6 Month CD by Glacier Bank
Bank Grade
B+
APY
4.44%
Avg. user rating
5.00

 

Checking Accounts

 

A checking account is a transactional account intended for everyday expenses. Glacier Bank offers several different business and personal checking accounts. All of the checking accounts offer APYs that are below the national average of 0.01% for checking accounts. Here are the latest account details for April 2025:

 

Glacier Bank
Totally Free Checking
Personal Checking Account by Glacier Bank
Bank Grade
B+
APY
0.01%
Avg. user rating
5.00

Glacier Bank
Totally Free Business Checking
Business Checking by Glacier Bank
Bank Grade
B+
APY
0.01%
Avg. user rating
5.00

 

Money Market Accounts

 

A money market account is an interest-bearing hybrid between a savings account and a checking account. Glacier Bank offers one business and one personal money market account, both of which offer APYs that are at or below the national average of 2.02% for money market accounts. Here are the account details for April 2025:

 

Glacier Bank
Money Market Account
Personal Money Market by Glacier Bank
Bank Grade
B+
APY
0.56%
Avg. user rating
5.00

Glacier Bank
Business Money Market Account
Business Money Market by Glacier Bank
Bank Grade
B+
APY
0.56%
Avg. user rating
5.00

 

Savings Accounts

 

A savings account is an interest-bearing account that pays you interest while you save for your financial goals. Glacier Bank offers several savings account, all of which both APYs at or lower than the national average yield of 1.45% for savings accounts. Here are the latest savings account details for April 2025:

 

 

 

 

Glacier Bank
Personal Savings Account
Personal Savings Account by Glacier Bank
Bank Grade
B+
APY
0.56%
Avg. user rating
5.00

 

Glacier Bank
Business Savings Account
Business Savings Account by Glacier Bank
Bank Grade
B+
APY
0.56%
Avg. user rating
5.00

 

Bank Fees

 

  • Overdraft fee: $30

  • Savings and Money Market Account excess withdrawals: $1/excess withdrawal

  • Account closure fee: None

  • Dormant account fee: None

  • Wire transfer fee: Domestic - Incoming is $10 and outgoing is $20; International - Incoming is $10 and outgoing is $40

  • Non-network ATM fee: $2

  • Monthly service charge: $2-$10 depending on the account type

  • Stop payment fee: $30

  • Paper statement fee: $3

 

Glacier Bank Features

 

Glacier Bank's customer service line is available on weekdays from 5 a.m. to 11 p.m. CST and weekends from 9 a.m. to 5 p.m. CST via phone. The 24-hour automated line is also available for basic account information and functions. Glacier Bank operates seventeen branches in eight Rocky Mountain states and offers fee-free access to all Allpoint ATMs nationwide. The bank has an easy-to-use mobile app that allows customers to check balances, deposit checks, pay bills, and process Zelle transactions.

 

Glacier Bank FAQs

 

 

 

Our Take

 

Glacier Bank is a Rocky Mountain regional bank that operates seventeen branches in eight states, all under different names, which can be confusing at times. Aside from its free business and personal checking accounts, it offers a few CDs with competitive APYs. Glacier Bank offers fee-free access to more than 55,000 Allpoint ATMs nationwide. Although anyone can open an account with Glacier Bank online, the bank is best suited for residents of one of the states it operates in. 

 

 

 

Methodology

 

Our editorial staff continually updates the information contained on our website. Our editorial staff has analyzed virtually all of the banks and credit unions that it follows, and it does weekly rate analysis for more than 250 prominent banks and credit unions. These institutions were chosen because they provide competitive APYs, low fees, and other factors we find important. These banks and credit unions often provide accounts that are available nationally. All of these banks are FDIC-insured, and all of these credit unions are NCUA-insured. Choosing an FDIC-insured bank or an NCUA-backed credit union assures that your money is protected as long as it stays within insurance limits and requirements.

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