Mountain West Bank serves as a trusted community banking institution across Idaho, Washington, and Montana, offering personalized financial solutions through its network of 20+ branches and lending centers while maintaining the convenience of modern digital banking. As a division of Glacier Bank (owned by Glacier Bancorp, Inc., a publicly traded regional bank holding company headquartered in Kalispell, Montana), Mountain West Bank combines the local decision-making and community focus that customers value in regional banks with the operational stability and resources of a larger banking organization. Whether you’re searching for mountain west bank login instructions, trying to locate the nearest Coeur d’Alene branch, wondering about Zelle compatibility, or comparing their services to national competitors, this comprehensive guide covers every aspect of mountain west bank operations, online banking features, branch locations, hours, and 2025 updates.
What You’ll Discover: This authoritative guide explains mountain west bank from every angle — step-by-step login instructions for online and mobile banking with security features and troubleshooting tips, complete service offerings including checking and savings accounts, CDs, mortgages, business banking, and wealth management, detailed information on all branch locations with specific focus on the flagship Coeur d’Alene (CDA) offices including hours, addresses, and services, Zelle person-to-person payment integration with limits and setup instructions, fee schedules and minimum balance requirements, comprehensive comparison with competitors like Washington Trust Bank, U.S. Bank, Wells Fargo, and online-only banks, corporate overview of Glacier Bancorp ownership providing financial stability context, FDIC insurance protection, ATM network access, and frequently asked questions about hours, Zelle availability, and operational details. Whether you’re a current mountain west bank customer needing login help, a prospective client evaluating regional banks, or a business owner seeking local banking relationships, this guide provides authoritative information to help you understand mountain west bank’s offerings and determine whether it aligns with your banking needs.
What Is Mountain West Bank? (History, Overview & Mission)
Mountain West Bank traces its roots to 1993 when it was founded in Coeur d’Alene, Idaho, establishing itself as a community-focused financial institution dedicated to serving Northern Idaho and the surrounding region.
Founding & Growth Story
Starting from its original Coeur d’Alene location, Mountain West Bank has grown from a single office to a network of 20+ branches and lending centers across Idaho and Washington state. The bank’s growth reflects its commitment to understanding local markets and providing personalized financial solutions that align with community needs rather than applying one-size-fits-all corporate policies.
Current Operations (2025)
Headquarters: Coeur d’Alene, Idaho (relocating to 608 Northwest Boulevard in Q2 2026)
Branch Network: 20+ branches and financial service centers across:
- Idaho: Coeur d’Alene, Meridian, Boise area, Lewiston, Moscow, Post Falls, Ketchum, and additional locations
- Washington: Spokane, Pullman, Ione, and surrounding communities
- Limited Montana presence: Through Glacier Bancorp family of banks
Corporate Structure
Parent Company: Glacier Bancorp, Inc. (NASDAQ: GBCI)
Why This Matters: Mountain West Bank is not an independent bank but a division of Glacier Bank, which operates as one of many regional bank divisions under Glacier Bancorp. This structure means:
- Access to capital and resources of a $20+ billion banking organization
- Compliance expertise and regulatory oversight of a publicly traded company
- Ability to offer products and services beyond what a small independent bank could provide
- Shared technology infrastructure (online banking, mobile apps, digital services)
Community Banking Focus
Despite corporate ownership, Mountain West Bank maintains community banking principles:
- Local Decision-Making: Lending decisions made by local officers who understand regional business and personal finances
- Community Investment: Support for local nonprofits, schools, and economic development initiatives
- Personalized Service: Relationship banking approach where customers work with familiar bankers
- Local Employment: Approximately 250-300 employees across branch network, supporting regional economy
2025 Strategic Expansion
The bank’s recent $9.5 million acquisition of the former Spokesman-Review building in Coeur d’Alene signals commitment to consolidation and efficiency:
- Consolidating multiple leased office spaces into single headquarters
- Bringing together business banking, lending, and operations teams “under one roof”
- Planned relocation in Q2 2026
- Maintaining existing Mountain West Plaza branch after headquarters move
FDIC Insurance Protection
All Mountain West Bank deposits are FDIC-insured up to $250,000 per depositor, per account ownership category:
- Member FDIC since bank’s founding
- Coverage includes checking, savings, CDs, and money market accounts
- Business accounts insured separately from personal accounts
- Automatic protection — no enrollment required
Mountain West Bank Services (Full Breakdown)
Mountain West Bank provides comprehensive banking services for individuals, families, and businesses.
Personal Banking Services
Checking Accounts
Mountain West Bank offers checking account options designed for different customer needs:
- Standard Checking: Basic account with unlimited check writing, no minimum balance for many options, online banking included
- Premium Checking: Higher balance earners may access premium checking with enhanced features
- Senior Checking: Special checking for customers 55+ with reduced or waived fees
- Student Checking: For young adults with minimal balance requirements and educational resources
Savings Accounts
Building savings is simplified through multiple savings options:
- Regular Savings Account: Modest interest earnings with flexibility
- Money Market Account: Higher balances typically earn better rates with limited check-writing
- Certificates of Deposit (CDs): Fixed-term deposits ranging from 3 months to 5 years with guaranteed rates
Mortgage & Home Loans
Mountain West Bank provides comprehensive mortgage services for homebuyers:
- Conventional Mortgages: 15, 20, 30-year fixed-rate options
- Home Equity Lines of Credit (HELOCs): Borrow against home equity for improvements or expenses
- Construction Loans: Financing for new home building
- Refinancing: Rate-and-term or cash-out refinancing for existing mortgages
- FHA & VA Loans: Government-backed programs for eligible borrowers
Personal & Auto Loans
Beyond mortgages, Mountain West Bank offers personal lending:
- Auto Loans: Vehicle financing with competitive rates
- Personal Loans: Unsecured loans for various purposes
- Debt Consolidation: Refinancing existing debts at potentially lower rates
Business Banking Services
The bank provides robust business banking solutions:
- Business Checking: Accounts designed for companies with multiple users and transaction volumes
- Business Savings & CDs: Building business reserves with competitive rates
- Commercial Loans: Lending for equipment, inventory, working capital
- Business Lines of Credit: Revolving credit for seasonal or temporary needs
- Treasury Management: Cash management, payroll services, merchant services
- Agricultural Lending: Specialized financing for farming operations
Investment & Wealth Services
Through partnership with Glacier Bank divisions, wealth management services available:
- Investment Management: Professional portfolio management services
- Trust Services: Estate planning, trusts, power of attorney
- Financial Planning: Comprehensive financial guidance
Mountain West Bank Login — Step-by-Step Online Banking Guide
Accessing your mountain west bank accounts online is straightforward once you understand the enrollment and login process.
Online Banking Overview
Mountain West Bank’s online and mobile banking platform provides comprehensive account management:
- View account balances and transaction history in real-time
- Transfer funds between accounts
- Pay bills online
- Deposit checks via mobile app
- Set up account alerts
- Download account information
- Access 18 months of statements
How to Access Online Banking
Step 1: Visit the Mountain West Bank Website
Go to www.mountainwestbank.com and look for the “Login” link at the top of the page.
Step 2: Enter Your Credentials
- Username: Your unique login identifier (usually created during enrollment)
- Password: Your secure password meeting bank requirements
Step 3: Complete Authentication
Depending on setup, you may need to:
- Verify identity with security questions
- Enter a code sent via text message
- Confirm location if logging in from new device
- Use biometric authentication (Face ID or fingerprint)
First-Time Login (Enrollment)
If you’ve never used online banking:
- Click “Enroll Now” or similar link
- Provide personal information (account number, date of birth, Social Security number)
- Create username and password meeting requirements:
- 8-20 characters minimum
- Mix of uppercase, lowercase, numbers, and special characters
- Cannot reuse recent passwords
- Set up security questions for account recovery
- Confirm email address and phone number
- Receive verification code to complete enrollment
Password Reset Instructions
If you’ve forgotten your password:
- Click “Forgot Password” on login page
- Enter your username
- Answer security questions or verify identity via email/SMS
- Create new password meeting requirements
- Confirm new password
Username Recovery
If you’ve forgotten your username:
- Click “Forgot Username” on login page
- Answer security questions to verify identity
- Username will be displayed or sent to email on file
Mobile App Login
For iPhone/iPad:
- Download “Mountain West Bank” from Apple App Store
- Open app and tap “Login”
- Enter username and password
- Complete any additional authentication prompts
- Set up biometric login (Face ID/Touch ID) for future access
For Android:
- Download “Mountain West Bank” from Google Play Store
- Open app and tap “Login”
- Enter username and password
- Complete authentication
- Enable biometric login if desired
Two-Factor Authentication Setup
- After logging in, navigate to “Settings” or “Security”
- Select “Two-Factor Authentication”
- Choose delivery method (SMS text or email)
- Verify phone number or email address
- Save settings
- Future logins may require verification code sent to your phone/email
Biometric Authentication
Once enrolled in online banking, you can use biometric login:
- Face ID: Register your face for facial recognition login
- Fingerprint: Register fingerprint for biometric authentication
- Faster Access: Biometric login eliminates need to type password each time
- More Secure: Biometric factors cannot be guessed or easily stolen
Troubleshooting Login Issues
| Problem | Solution |
|---|---|
| Forgot Password | Use “Forgot Password” link on login page |
| Locked Account | Usually unlocks after 24 hours or call 208-667-8524 |
| Password Not Working | Ensure CAPS LOCK is off, password is correct, no extra spaces |
| Can’t Find Login Button | Scroll to top of mountainwestbank.com homepage |
| New Device Won’t Login | You may need to verify identity before first login |
| Biometric Isn’t Working | Re-register biometric or use password temporarily |
| Verification Code Never Arrives | Check spam folder, ensure phone number is current, request new code |
| App Crashes During Login | Update app to latest version, restart phone, try again |
Mountain West Bank Online Banking Features
Mountain West Bank’s online and mobile banking provides robust tools for managing your finances:
Core Features
Account Information Dashboard:
- Real-time account balances (checking, savings, CDs, loans)
- Recent transaction history with check images
- Pending deposits and transfers
- Account details and routing numbers
Bill Pay:
- Schedule one-time or recurring bill payments
- Pay any company (utilities, credit cards, rent, etc.)
- Automatic payment options
- Payment history and confirmation
Transfers:
- Transfer between your own accounts
- Transfer to other banks (external transfers)
- Scheduled recurring transfers
- Immediate or future-dated transfers
Mobile Deposit:
- Photograph checks using smartphone camera
- Deposit checks from anywhere (mobile app only)
- Typical deposit limits: $2,000-$5,000 per check, $10,000 per day
- Funds usually available next business day
Account Alerts:
- Low balance notifications
- Large transaction alerts
- Unusual activity notifications
- Check deposit confirmations
- Customize alert preferences and delivery method (SMS, email)
Statements & History:
- Access statements from up to 18 months ago
- Download in multiple formats (PDF, CSV, OFX)
- Check images and deposit slip images
- View pending transactions before posting
Card Management:
- Lock/unlock debit card instantly
- Report lost or stolen card
- Temporarily block card for specific merchants
- View recent transactions by card
Software Integration:
- Download account data to Quicken or QuickBooks
- Export transactions to spreadsheet programs
- Financial management software compatibility
Does Mountain West Bank Use Zelle? (Full Explanation)
Mountain West Bank appears to be part of the Glacier Bancorp network which includes Glacier Bank, a Zelle-supporting institution. However, specific Zelle availability at Mountain West Bank locations should be confirmed directly.
What Is Zelle?
Zelle is a digital payment system enabling quick money transfers directly between bank accounts:
- Speed: Money typically transfers within minutes
- Convenience: Send via email or phone number
- Safety: Direct bank-to-bank transfer (no sharing account numbers)
- Cost: Usually free for customers
Zelle Availability at Mountain West Bank
Likely Yes, But Confirm:
Since Mountain West Bank operates as a division of Glacier Bancorp, and Glacier Bank (the parent brand) supports Zelle through the broader network, mountain west bank customers likely have access to Zelle.
To Verify Zelle Access:
- Call Mountain West Bank directly: 208-667-8524
- Ask specifically: “Does mountain west bank have Zelle?”
- Or visit Zelle enrollment page at enroll.zellepay.com and search for “Mountain West Bank”
How to Enroll in Zelle (If Available)
If Zelle is available at your mountain west bank account:
- Log into online banking or mobile app
- Look for “Zelle” or “Send Money” option
- Click to enroll
- Verify your email and phone number
- Agree to Zelle terms and conditions
- You’re ready to send and receive money
Zelle Features
Send Money:
Receive Money:
- Recipient sends you money via email/phone
- Money deposits directly to your checking account
- Notification received when transfer arrives
Typical Zelle Limits:
- Daily sending limit: $2,000-$5,000
- Monthly limit: $10,000-$20,000
- Limits vary by bank and account history
Mountain West Bank CDA (Coeur d’Alene) Locations
Mountain West Bank maintains multiple Coeur d’Alene area branches and financial service centers:
Main Office
- Address: 101 West Ironwood Drive, Suite 210, Coeur d’Alene, ID 83814
- Phone: 208-667-8524 or 208-765-0284
- Hours (Standard): Monday-Friday 8:00 AM – 5:00 PM, Saturday-Sunday Closed
Additional CDA Branch
- Address: 1715 W Kathleen Avenue, Coeur d’Alene, ID 83815
- Phone: Contact main line
- Hours (Standard): Monday-Friday 9:00 AM – 5:00 PM, Saturday-Sunday Closed
- Features: ATM available, drive-thru access
Relocated Headquarters (Coming Q2 2026)
- Future Address: 608 Northwest Boulevard, Coeur d’Alene, ID 83814
- Current Status: Acquisition completed May 2024, renovation underway
- Expected Move Date: Q2 2026
All Mountain West Bank Locations
Beyond Coeur d’Alene, Mountain West Bank serves customers through 20+ branches:
Idaho Locations:
Washington Locations:
Find Your Nearest Branch:
Visit www.mountainwestbank.com and use their branch locator tool to find specific hours, addresses, and contact information for any Mountain West Bank office.
Mountain West Bank Hours — Opening & Closing Times
Standard Mountain West Bank Hours
Most Mountain West Bank locations operate on the following schedule:
Monday – Friday:
- Lobby: 8:00 AM – 5:00 PM (some branches 9:00 AM – 5:00 PM)
- Drive-thru: 8:00 AM – 5:00 PM (some branches vary)
Saturday:
- Limited or closed (varies by location)
Sunday:
What Time Does Mountain West Bank Open?
Most Mountain West Bank branches open at 8:00 AM Monday through Friday, with some locations opening at 9:00 AM. Confirm your specific branch’s opening time by calling ahead or checking their website.
What Time Does Mountain West Bank Close?
Mountain West Bank branches typically close at 5:00 PM Monday through Friday. Drive-thru windows may have slightly different hours. Many branches are closed on Saturday and Sunday.
Is Mountain West Bank Open Today?
To determine if mountain west bank is open today:
- Current day is: (Check your calendar)
- If Monday-Friday: Most likely open 8:00 AM – 5:00 PM
- If Saturday: Check if your specific branch is open (many are closed)
- If Sunday: All Mountain West Bank branches are CLOSED
For Confirmation: Call your branch directly at 208-667-8524 (main line) or check www.mountainwestbank.com for specific location hours.
Federal Holiday Schedule
Mountain West Bank branches are typically closed on federal holidays including:
- New Year’s Day
- Martin Luther King Jr. Day
- Presidents’ Day
- Memorial Day
- Juneteenth
- Independence Day
- Labor Day
- Columbus Day
- Veterans Day
- Thanksgiving Day
- Christmas Day
Check website for specific closure dates as holidays vary.
ATM & Mobile Banking Availability
Even when branches are closed, you can still bank:
- ATMs: Available 24/7 at all Mountain West Bank branch locations and partner ATM networks
- Online Banking: Access anytime from www.mountainwestbank.com
- Mobile App: Available 24/7 from iPhone/Android app stores
- Customer Service: Call 208-667-8524 for after-hours questions
Fees, Minimums & APYs (2025 Overview)
Understanding Mountain West Bank’s fee structure helps you avoid unnecessary charges.
Overdraft Fees
| Fee Type | Amount |
|---|---|
| Overdraft Fee per Item | $30.00 |
| Continuous Overdraft Fee | $5.00 per day (charged daily if account remains overdrawn 5+ consecutive business days) |
Example: If your account is overdrawn by $200 for 6 consecutive business days, you’d incur: one $30 overdraft fee + 6 days × $5 = $60 total
Wire Transfer Fees
| Transfer Type | Fee |
|---|---|
| Domestic Wire (Incoming) | $10.00 |
| Domestic Wire (Outgoing) | $20.00 |
| Foreign Wire (Incoming) | $10.00 |
| Foreign Wire (Outgoing – USD) | $75.00 |
| Foreign Wire (Outgoing – Foreign Currency) | $50.00 |
Card Services Fees
| Service | Fee |
|---|---|
| Debit Card Express Delivery | $80.00 |
| Debit Card Local Image Fee | $5.00 |
| Debit Card Custom Image Fee | $10.00 |
Other Service Fees
| Service | Fee |
|---|---|
| Cashier’s Check Fee (per check) | $5.00 |
| Early Closing Fee | $10.00 (if account closed within 90 days) |
| Levy/Garnishment Fee (per request) | $75.00 |
| Stop Payment Fee (per item) | $30.00 |
| Sweep Transaction Fee (each transfer) | $2.00 |
How to Avoid Fees
✅ Maintain positive balance to avoid overdraft fees
✅ Use mountain west bank ATMs (avoid out-of-network fees)
✅ Keep account open longer than 90 days to avoid early closure fee
✅ Use online bill pay instead of stop payments
✅ Ask about fee waivers during customer service calls
Account Minimum Deposits
Most Mountain West Bank accounts havelow to no minimum opening deposits:
- Checking accounts: Often $100 minimum or less
- Savings accounts: Often $10-100 minimum
- Money Market: Typically $500-$1,000 minimum
- CDs: Usually $500-$1,000 minimum
Confirm specific minimums with your branch.
APY & Interest Rates
Mountain West Bank’s rates vary based on:
- Current economic conditions and Federal Reserve rates
- Account type and balance tier
- Current rate environment
Typical Rate Ranges (2025):
- Regular Savings: 0.05%-0.15% APY
- Money Market: 0.10%-0.50% APY
- CDs: 0.25%-4.50% APY (varies by term)
- Home Mortgage: 6.00%-7.50% APR (varies by credit and term)
Check with your branch for current rates as they update frequently.
Mountain West Bank vs. Competitors (Comparison Table)
Banking Comparison: Mountain West vs. Regional & National Competitors
| Feature | Mountain West Bank | Washington Trust Bank | Spokane Teachers CU | Wells Fargo | U.S. Bank | Online Banks (Ally) |
|---|---|---|---|---|---|---|
| Branch Locations | 20+ (ID, WA) | 45+ (WA, OR, ID) | Limited (WA) | Nationwide 4,700+ | Nationwide 3,000+ | 0 (online only) |
| Checking Fee | $0-12 | $0-12 | $0 | $0-25 | $0-15 | $0 |
| Savings APY | 0.05%-0.15% | 0.01%-0.10% | 0.25%-0.50% | 0.01% | 0.01% | 4.00%+ |
| CD APY (1-year) | 0.25%-4.50% | 0.25%-4.00% | 1.00%-4.25% | 0.05%-4.00% | 0.10%-4.00% | 4.00%-5.00% |
| Mortgage Rates | 6.00%-7.50% | 6.00%-7.50% | 5.75%-7.25% | 6.25%-7.75% | 6.00%-7.50% | 6.00%-7.50% |
| Overdraft Fee | $30 | $35 | $25-28 | $35 | $35 | N/A (online) |
| ATM Network | 20+ locations + partners | 45+ locations + partners | Credit union network | 13,000+ nationwide | 9,000+ nationwide | 55,000+ surcharge-free |
| Community Banking | Strong | Strong | Strong | Limited | Limited | None |
| Zelle Support | Likely yes | Yes | Yes | Yes | Yes | Yes |
| Mobile App Rating | 4.0 stars | 4.5 stars | 4.3 stars | 3.5 stars | 3.8 stars | 4.4 stars |
Key Differences Explained
Mountain West Bank Advantages:
- ✅ Community banking relationship and personalized service
- ✅ Local loan decision-making
- ✅ Reasonable fees ($0 checking, $30 overdraft)
- ✅ Strong presence in Coeur d’Alene and Northern Idaho
- ✅ Part of Glacier Bancorp stability
Mountain West Bank Disadvantages:
- ❌ Savings APYs significantly lower than online banks (0.05% vs. 4.00%)
- ❌ Limited geographic footprint (only ID and WA)
- ❌ Fewer ATM locations than national banks
- ❌ Less advanced mobile app than tech-focused banks
- ❌ May not have all products that megabanks offer
When to Choose Mountain West Bank
- Local resident valuing relationship banking
- Business owner needing local lender
- Mortgage applicant benefiting from local decision-making
- Customer seeking personalized service
When to Choose Competitors
- Frequent traveler needing nationwide branches/ATMs
- Rate shopper wanting maximum savings APY
- Digital-first user wanting advanced mobile features
- Multi-state resident wanting consistent banking across regions
Pros and Cons of Banking With Mountain West Bank
Pros: Reasons to Choose Mountain West Bank
✅ Personalized Community Banking
Relationship banking approach means you work with familiar bankers who understand your situation and can make flexible lending decisions.
✅ Local Decision-Making
Loan approvals made by local underwriters familiar with Northern Idaho economy and real estate market, not distant corporate underwriters applying rigid rules.
✅ FDIC Insurance
All deposits protected up to $250,000 per account category, providing safety equivalent to much larger banks.
✅ Strong Mortgage Services
Specialized mortgage lending department with expertise in local market, competitive rates, and flexible approval criteria for well-qualified borrowers.
✅ Comprehensive Services
Despite regional size, mountain west bank offers full banking suite: checking, savings, CDs, mortgages, business banking, wealth management.
✅ Community Investment
Active philanthropy and community support demonstrates commitment to region’s wellbeing beyond pure profit motive.
✅ Modern Online & Mobile Banking
Updated online platform and mobile app provide convenient 24/7 access to accounts.
Cons: Limitations of Mountain West Bank
❌ Significantly Lower Savings Rates
0.05%-0.15% savings APY vs. 4.00%+ at online banks means you forfeit $200+ annually on $10,000 in savings.
❌ Geographic Limitations
Only 20+ branches across Idaho and Washington — no presence in other states, making it impossible for those relocating or with multi-state needs.
❌ Limited ATM Access
20+ ATMs vs. 13,000+ at Wells Fargo or 55,000+ at online bank networks means potential out-of-network fees while traveling.
❌ Less Advanced Technology
While updated, mountain west bank’s digital banking lags tech-forward competitors like Chime or SoFi in innovation and user experience.
❌ May Not Serve Business Needs
Smaller institutions may lack specialized services (international banking, complex treasury management) that multinational businesses require.
❌ Merger Risk
As division of Glacier Bancorp, mountain west bank could be merged with other divisions or restructured, changing customer experience.
Frequently Asked Questions:
Does Mountain West Bank have Zelle?
Mountain West Bank likely has Zelle access as part of the Glacier Bancorp network, though you should confirm directly with the bank at 208-667-8524 or by checking the Zelle enrollment website at enroll.zellepay.com. Zelle is a fast, free money-transfer service that deposits funds to your account within minutes.
Does Mountain West Bank use Zelle?
Yes, mountain west bank customers likely have access to Zelle for person-to-person payments. You can send and receive money to friends, family, and trusted contacts using their email address or phone number. Confirm availability by calling your local branch or checking online banking for Zelle options.
Is Mountain West Bank open today?
What time does Mountain West Bank close?
What time does Mountain West Bank open?
Mountain West Bank branches typically open at 8:00 AM Monday through Friday (some at 9:00 AM). Confirm your specific branch’s opening time by calling 208-667-8524 or checking www.mountainwestbank.com.
Is Citi Bank Capital One?
How do I access Mountain West Bank online banking?
Visit www.mountainwestbank.com and click the Login link at the top. Enter your username and password. If you’re a new user, click “Enroll” to create credentials. You can also download the Mountain West Bank mobile app from the App Store (iOS) or Google Play (Android).
What are Mountain West Bank’s overdraft fees?
Does Mountain West Bank offer business banking?
What’s the nearest Mountain West Bank branch to me?
Use the branch locator tool at www.mountainwestbank.com or call 208-667-8524 to find the nearest mountain west bank branch with current hours and services.
Final Verdict — Is Mountain West Bank Worth It in 2025?
Mountain West Bank represents an excellent choice for customers in Northern Idaho and Eastern Washington who prioritize personalized community banking, local decision-making, and strong mortgage services over maximizing interest rates on savings accounts. As a division of Glacier Bancorp, the bank combines regional market expertise with corporate stability, making it a trustworthy banking partner for individuals, families, and small businesses.
Key Strengths:
✅ Community Banking Relationship: Personalized service and local decision-making you won’t get at megabanks
✅ Strong Mortgage Services: Competitive rates and flexible approval criteria for qualified borrowers
✅ Reasonable Fees: $0 checking accounts, $30 overdraft fees (vs. $35+ at others)
✅ FDIC Insurance: Full deposit protection up to $250,000
✅ Comprehensive Services: Full banking suite from basic checking to wealth management
✅ Corporate Stability: Backed by Glacier Bancorp’s $20+ billion in assets
Key Limitations:
❌ Savings Rates Far Below Market: 0.05%-0.15% when online banks offer 4.00%+
❌ Limited Geographic Presence: Only Northern Idaho and Eastern Washington
❌ Fewer ATM Locations: 20+ vs. thousands at national banks
❌ Less Advanced Digital Banking: Functional but not as innovative as fintech alternatives
❌ Not Ideal for Multi-State Operations: Limited to two states
Who Should Bank With Mountain West Bank
✅ Northern Idaho or Eastern Washington residents
✅ Those prioritizing personalized service over highest rates
✅ Small business owners seeking local lending relationships
✅ Mortgage applicants benefiting from local decision-making
✅ Customers valuing community banking principles
Who Should Look Elsewhere
❌ Rate maximizers seeking highest savings APY (use online banks like Ally: 4.00%+)
❌ Frequent travelers needing extensive branch/ATM networks
❌ Multi-state residents needing consistent banking across regions
❌ Digital-first customers wanting most advanced mobile apps
❌ Those wanting maximum emergency fund returns
2025 Recommendation
For everyday banking in mountain west bank’s footprint, the institution provides solid, community-focused service with reasonable fees and comprehensive products. However, supplement your mountain west bank savings account with an online high-yield savings account (Ally, Marcus, Capital One 360) earning 4.00%+ to maximize returns on emergency funds and long-term savings. This hybrid approach gives you the benefits of community banking relationship while maximizing your savings growth.
Ready to Bank With Mountain West Bank?
Visit www.mountainwestbank.com to find your nearest branch (Coeur d’Alene, Spokane, Meridian, or elsewhere across Idaho and Washington), view current hours, and explore account options. Call 208-667-8524 for customer service or to schedule an appointment with a local banker.
Before opening any account, ensure you have an adequate emergency fund saved. Use our free Emergency Fund Calculator to determine your ideal emergency savings target (typically 3-6 months of expenses), then compare mountain west bank’s rates with online banks to maximize your returns while maintaining the banking relationship that fits your lifestyle and values.