Altabank Essential Review: Accounts, Loans, and Contacts

Altabank: Overview

Altabank has community banking roots that date back more than 100 years, including the former Bank of American Fork. That institution was founded in 1913 as People’s State Bank of American Fork and expanded over time through mergers and growth across Utah. In 2021, Montana-based Glacier Bancorp acquired Altabancorp, Altabank’s parent company. Altabank now operates as a division of Glacier Bank, which also operates First Community Bank Utah as a separate bank division in the state. In this review, we break down Altabank’s products and services, along with key customer service contact details, so you can quickly understand what it offers and whether it fits your needs.

Expansion

Altabank’s growth reflects a consolidation of long-standing community banks that built strong local footprints in Utah. One of its roots traces back to 1913, when it was founded as People’s State Bank of American Fork, later adopting the name Bank of American Fork in the 1960s. Another predecessor, Lewiston State Bank, was founded in 1905 and served Lewiston, Utah before expanding into nearby markets, including Preston, Idaho, where Altabank operates a branch.

These institutions, along with Town and Country Bank in St. George, ultimately merged and rebranded as Altabank in November 2019. This unification brought operations under a single name and helped establish Altabank as a full-service bank serving both individuals and businesses across Utah and into southeastern Idaho.

In 2021, Glacier Bancorp acquired Altabancorp, Altabank’s parent company, marking a major milestone in the bank’s expansion. Glacier Bancorp, headquartered in Montana, operates a network of community banks across multiple states under different bank divisions. In Utah, Glacier also operates First Community Bank Utah, further strengthening its presence in the state.

Altabank is included in our list of Best Banks in Utah.

Altabank Products and Services

Altabank offers everyday banking for individuals and businesses, including deposit accounts, credit cards, and lending, along with digital tools for managing accounts day to day. On the personal side, it provides checking and savings accounts, certificates of deposit (CDs), credit cards, and lending options such as mortgages, home equity lending, auto loans, and other personal loans. Its Totally Free Checking account is included in our guide for Best Checking Accounts in Utah.

For businesses, Altabank offers business deposit accounts and financing, including commercial lending and commercial real estate loans, with treasury and cash-management services that help companies handle payments, collections, and cash flow. Customers can also use online and mobile banking features like bill pay, eStatements, and account alerts. One of Altabank’s business checking accounts is also included in our list of Best Business Checking Accounts in Utah.

Altabank Checking Accounts

Altabank.com | Checking Accounts

Totally Free Checking

A free, non-interest checking option with no minimum balance and no monthly service charge. 

Read our full Altabank Totally Free Checking review.

Easy Interest Checking

A free checking option that earns monthly compound interest, built around conveniences like direct deposit or automatic loan payments. 

Premier Interest Checking

An interest-bearing checking account with monthly compound interest and a $1,500 minimum balance requirement.

50+ Interest Checking

A free checking option for customers 50 and older that earns monthly compound interest, with no minimum balance and no monthly service charge.

Savings Accounts

Savings Account

Altabank’s basic savings option is designed for everyday saving, with interest and easy access to your funds through online and mobile banking.

Money Market Deposit Account

A money market account is typically a step up from standard savings, often aimed at customers who keep a higher balance and want a savings-style account with potentially stronger earnings and convenient access.

Premier Money Market Deposit Account

Altabank also offers a Premier Money Market account for customers who maintain larger balances and want tiered interest rates while keeping their funds accessible.

Certificates of Deposit

Altabank also offers Certificates of Deposit (CDs), with standard listed terms ranging from 3 to 60 months. CDs are designed for goal-based savings when you can leave the funds deposited until the selected term ends.

Credit Cards

Altabank.com | Credit Cards by FNBO

Altabank credit cards are issued by First National Bank of Omaha (FNBO®). The current lineup includes cash-back, tiered-rewards, introductory-financing, and secured-card options. Offers can vary depending on where you apply, so applicants should review the current terms before submitting an application.

Common benefits of these cards:

• Contactless technology: Tap your card to pay at the terminal.
• Fraud protection: Transaction monitoring for suspicious activity.
• Online services: Check your balance and set up alerts.
• Mobile app: Manage your account from your phone.
• Zero liability: Protection against unauthorized purchases.
• Roadside Dispatch®: Provides 24-hour access to pay-per-use roadside services such as towing, tire changes, and jump-starts.
• Global services: Expert assistance anytime, anywhere.
• Digital payments: Add the card to a compatible mobile wallet for purchases in stores, apps, and online.

Maximum Rewards® Visa Signature® Card

This card is designed for customers who want uncomplicated cash back on everyday purchases without tracking spending categories.

• Annual fee: $0
• Intro offer: 0% introductory APR on purchases and balance transfers for the first 12 billing cycles
• Rewards: Unlimited 1.5% cash back on purchases
• Other perks: Rewards can be redeemed for cash back, gift cards, travel, or merchandise

Complete Rewards® Visa Signature® Card

This tiered-rewards card provides higher earning rates on travel, streaming services, and fuel purchases.

• Annual fee: $0
• Welcome bonus: 15,000 bonus points after spending $500 within the first 3 billing cycles
• Rewards: 5 points per $1 on travel, 3 points per $1 on streaming services, 2 points per $1 on fuel, and 1 point per $1 on other purchases
• Other perks: Points can be redeemed for cash back, gift cards, travel, or merchandise

Platinum Edition® Visa® Card

This card is focused on introductory financing for customers planning a large purchase or consolidating eligible credit-card balances.

• Annual fee: $0
• Intro offer: 0% introductory APR on purchases and balance transfers for the first 18 billing cycles
• Rewards: None
• Other perks: Longer introductory financing period than the other cards in the lineup

BucksBack® Secured Visa® Card

This secured card is designed for customers who want to establish or rebuild credit while earning rewards on purchases.

• Annual fee: $0
• Intro offer: None
• Rewards: 1 point per $1 spent on purchases
• Other perks: Requires a refundable deposit from $300 to $5,000; FNBO may periodically review the account for a credit-limit increase or deposit refund

Business Checking

Altabank’s business checking lineup is built around 3 main account types—each designed for a different level of transaction activity and reporting needs. The core options are Totally Free Business Checking, Simply Business Checking, and Commercial Checking. 

Totally Free Business Checking

A straightforward business checking option designed for simpler day-to-day business banking. 

Read our review of Totally Free Business Checking.

Simply Business Checking

A step-up option for businesses that need more room for ongoing activity and account reporting. 

Commercial Checking

A business checking option designed for companies with more complex banking needs and ongoing cash-flow activity. 

Beyond the account itself, Altabank also supports business customers with online business banking and treasury/cash-management tools to help manage payments, reporting, and day-to-day cash flow.

Personal Loans

Credit Builder Loan Program

A loan program designed to help build or improve credit through on-time payments.

Auto Loans

Financing for new and used vehicles, with options that can include refinancing.

Recreational Vehicle Loans

Loans for recreational vehicles such as RVs and boats.

Unsecured (Signature) Loans

Personal loans that do not require collateral, often used for debt consolidation or major purchases.

Overdraft Services

Altabank currently calls the product Overdraft Services. It uses an eligible credit line or linked deposit account to cover transactions that would otherwise overdraw the checking account.

Altabank Mortgages

Residential Mortgage Loans

Home loans that may include fixed-rate and adjustable-rate options.

Construction Loans

Financing designed for building a home, with construction-specific terms.

One-Time Close Construction Loan

A construction loan that combines construction financing and the long-term mortgage into one loan.

Home Equity Line of Credit (HELOC)

A revolving credit line secured by home equity.

Conclusion

Altabank’s story is built on long-running community banking in Utah, with roots that trace back to 1913 and the legacy of Bank of American Fork, plus other predecessor institutions that later unified under one brand in November 2019. In 2021, Glacier Bancorp acquired Altabancorp, adding Altabank to its network of regional bank divisions and expanding its long-term platform for growth in Utah.

For consumers, Altabank focuses on everyday banking and lending, including checking and savings options, CDs, credit cards issued through FNBO, and personal lending such as auto loans, signature loans, and home financing. This profile covers the main consumer products and key contact details so you can quickly compare Altabank with other Utah banks and decide whether it fits your needs.

Disclaimer:
This page is not affiliated with, maintained by, or sponsored by Altabank (or Glacier Bancorp). The information provided in this overview may be outdated or inaccurate after the publication date. UtahFi does not assume responsibility for the accuracy of the content. The Altabank logo is a registered trademark of Glacier Bancorp, Inc.