Checking

FREE Internet Banking and Bill Payment* is included!
Big Horn Federal Savings Bank offers four products to fit a variety of customer needs.

• Free checking account that earns interest on balances over $1,500
• Unlimited check writing
• Free VISA® Debit Card or ATM Card
• Overdraft Protection is available from savings
• Click here to check current rate
• Click here to apply
• Click here to read the disclosure

• Higher rate of return if you maintain a $5,000 balance
• Earn interest on account with balance greater than $1,500
• $5.00 minimum balance fee if account falls below $1,500
• Unlimited Check Writing
• Free VISA® Debit Card or ATM Card
• Overdraft Protection is available from savings
• Click here to check current rate
• Click here to apply
• Click here to read the disclosure

• Minimum opening balance of $5,000
• Unlimited Check Writing
• Minimum balance fee of $8.00 if balance drops below $2,000
• Overdraft Protection is available from savings
• Sweep accounts are available to earn interest
• Free VISA® Debit Card or ATM Card
• Click here to check current rate
• Click here to apply
• Click here to read the disclosure

• Offers higher yield
• Tiered rates - Based on balances at the end of the day
• Limited to 6 transfers or withdrawals per month
• $10,000 minimum opening balance
• Click here to check current rate
• Click here to apply
• Click here to read the disclosure

For complete service and fee information, read our Schedule of Fees and Charges. Fees subject to change.

* On-Line Bill Payment fee applies for exceeding 12 electronic bill payment transactions per calendar month. For more information, see the Big Horn Federal On-Line Agreement. Rates and benefits subject to change.

Savings

Whether you're saving for a car, holiday, vacation, college, medical expenses or retirement, Big Horn Federal has a plan to fit your needs.

• Only requires $25.00 to open the account
• Allowed 5 withdrawals from your account each month without a fee. Your account will be assessed a fee of $3.00 for each subsequent withdrawal
• No minimum balance to earn interest
• Free ATM Card
• This account can be linked to your checking account for overdraft protection
• Interest is compounded daily
• Interest is credited to your account quarterly
• Click here to check current rate
• Click here to apply
• Click here to read the disclosure

• A GREAT way to teach your kids to save
• The minimum deposit to open this account is $5.00. You may make unlimited deposits into your account each day
• With every $5.00 or greater deposit you will receive a "treasure chest" prize
• When your account originally reaches a balance of $25.00 you will receive a "piggy bank."
• Allowed 5 withdrawals from your account each month without a fee. Your account will be assessed a fee of $3.00 for each subsequent withdrawal
• Interest is compounded daily
• Interest will be credited to your account quarterly
• Click here to check current rate
• Click here to apply
• Click here to read the disclosure

• Ease the financial pressure of the Holiday season by putting a little bit away every month
• Earns a higher yield - If you make your scheduled deposit to the account each month and do not withdraw funds
• Minimum of $10.00 to open for 24 bi-monthly payments or $25.00 for 12 monthly payments
• Big Horn Federal will credit your account for interest earned in November and send you a check. Right in time for the start of holiday shopping!
• Click here to check current rate
• Click here to apply
• Click here to read the disclosure

• Help offset your high deductible!
• You may make unlimited withdrawals from this account. Distributions are tax-free subject to IRS rules for Health Savings Accounts (HSAs)
• The minimum deposit to open this account is $100.00. You may make annual HSA contributions, subject to IRS limitations. See your tax advisor
• Annual Statements will be provided for IRS purposes
• Your Health Savings account will be tied to a related checking account. Checks written will be posted against your checking account and reported as HSA distributions. Funds will automatically be swept from your Health Savings passbook account to cover all checks written
• Click here to check current rate
• Click here to apply
• Click here to read the disclosure

Certificates of Deposit

Customers can enjoy the earning power of our Certificates. We offer a wide variety to suit all of your investment needs. Check out our rates and terms!

• 91 Day CD
• 6 Month
• 1 year
• 2 year
• 3 year
• 4 year
• 6 year
• 8 year
• Jumbo CD
• Click here to check current rate
• Click here to apply

Retirement Accounts

Invest in your future. Start saving for retirement today. Big Horn Federal has been helping its customers for years to plan for their future. We can help you.

• Traditional IRAs may give you a tax deduction for the amounts you put in. You do not pay taxes until you take money out
• The Roth IRA offers no up-front tax deduction, but the after-tax money you put in builds investment earnings tax-free.
• The Education IRA, now called the Coverdell Education Savings Account (ESA) allows you to make tax advantaged contributions for use in a child beneficiary's education.
• In addition, we have: Keogh's, IRA Fixed, IRA Variable Passbook, and Roth Passbook accounts
• Click here to check current rate
• Click here to apply
• Click here to read the disclosure

Loans

Over the years Big Horn Federal Savings Bank has assisted thousands of individuals, families, companies and organizations with financing needs. We continue to strive to serve our customers and provide them with the best possible service and a wide variety of options. When you become a Big Horn Federal loan customer, you also have the opportunity to take advantage of other Big Horn Federal financial products. We want to be able to serve all your needs in one location. Please be sure to inquire on the many products we have to offer!

• If you are thinking about buying a home or refinancing your existing home, come to Big Horn Federal and we can discuss the many options we have available:
  • Six month and 3 year adjustable rate loans
  • Ten year fixed rates
  • Fifteen year fixed rates
  • WCDA
  • Freddie Mac
  • VA
  • Secondary Market
  • Construction Loans
• Check current mortgage rates

• A home equity loan uses the value that you have in your home
• The loan is tied to a checking account and advances automatically when your checks are processed
• Check current Home Equity rates

• Remodeling or adding on to your home can greatly enhance livability while increasing its value.
• Big Horn Federal's home improvement loan can help you make your home-sweet-home even "sweeter"
• Check current Home Improvement rates

• Big Horn Federal can assist you in financing a variety of consumer products
  • Automobiles
  • Trucks
  • Boats
  • Recreational Vehicles
  • Furniture and Appliances
• Check current Installment rates

• Residents of the Big Horn Basin experience a need for money to cover extraordinary personal expenditures such as tax payments, college tuitions, medical fees, unexpected bills, etc. You’re invited to discuss these money needs with our loan specialists at Big Horn Federal.
• Check current Personal rates

• We invite our local business owners to stop in and discuss the various business needs you might have and ways we can help you and your business prosper and grow
• Whether it be office expansion, equipment, supply needs, or real estate, we will work with you to help meet your ever changing needs
• Check current Commercial rates

• The Big Horn Basin is rich in agriculture and we want to be there to help our farmers and ranchers. We offer a variety of options to serve you better
  • Operating loans for either Full or Part-time Operations
  • Term Loans for machinery, equipment, and livestock purchases
  • Ag Real Estate Loans
• Check current Agricultural rates

Additional Services

For fast, immediate, real-time access to your accounts, use Big Horn Federal's On-Line Internet Banking and Bill Payment. Day and night, you have unlimited access to your accounts through your personal computer and the Internet. Verify cleared checks, deposits and balances; make transfers and loan payments; view and print account statements and much, much more!

Apply on-line today for Big Horn Federal's On-Line Internet Banking

Click here for the minimum system requirements of your PC.

With Big Horn Federal's On-Line Internet Bill Payment you can pay all your bills electronically (within the United States). Bill Payment is FREE up to 12 transactions per month (See Terms and Conditions for additional fee information). In addition, you can choose to have your recurring bills paid automatically and even receive your bills electronically! (You must sign your Big Horn Federal checking account up for Internet Banking in order to take advantage of the Bill Payment option.)

See Big Horn Federal's online agreement for minimum PC requirements.

Some choices are easy...like using the VISA® Debit Card to make purchases directly from your Checking account without writing a check, and the ability to pick your own personal identification number (PIN). It's faster and more widely accepted... at millions of locations that accept VISA® Debit Cards.

It's More Convenient Than Checks.
Leave your checks at home. Simply present the VISA® Debit Card to make a purchase at any merchant that accepts VISA® Debit cards...gas stations, supermarkets, department stores, beauty salons and restaurants. Then sign the receipt and you're on your way. No more time-consuming check writing, requests for I.D., or waiting for check approvals.

It Offers Cash Access Around The World.
The VISA® Debit Card is an ATM Card, too. With the ability to select your own PIN, it gives you access to cash at any of the 750,000 VISA® Network ATMs, and from tellers at more than 400,000 financial institutions around the world that display the VISA® symbol. So, it's the perfect card to take with you across town or across continents.

It's A Better Way To Keep Track Of Your Purchases.
Since you can use the VISA® Debit Card for purchases, you don't need to carry as much cash. And, you have a better idea of how you spend your money because all the VISA® Debit Card purchases are itemized on your monthly Checking account statement.

It Has It All.
Ask to apply for your VISA® Debit Card when you open your Checking Account

Click here to apply

Withdrawals, deposits, transfers, balance information...you can do it all 24-hours a day, 365 days a year with your Big Horn Federal ATM card! We have several locations within the Big Horn Basin that will allow you FREE access (no withdrawal fee). Please see our ATM locations in the disclosures.

Your Free ATM card allows you to access cash at an Automated Teller Machine without making a special trip to the bank. Big Horn Federal is part of the CIRRUS & PLUS Network. You can use your ATM card to get cash wherever you see the CIRRUS brand. (You may receive up to $300 per day, based on available balance)

If you're out of cash, you don't have to panic...just use your ATM card.

Click here to apply

NOTE: Refer to The Financial Transaction Card Cardholder Agreement (under Terms and Conditions) for more information.

Our new and improved telephone access service provides immediate access to your accounts at any hour of the day or night with a touch-tone phone. You can access all of your Big Horn Federal accounts, obtain account balances, find out if a specific check or deposit was processed, transfer funds between accounts and much more!

Telephone Banking is very user friendly and will guide you almost automatically after entering your PIN. Simply respond by pushing the proper buttons on your touch-tone phone.

Access to your account is obtained through a combination of your social security number and your PIN. If your PIN has been reset, or this is your first visit to Telephone Banking, enter the last four digits of the Social Security Number on the account.

• Telephone Banking is available in English and Spanish
• Call 307/765-4499 or toll-free, 800/765-SAVE (7283) to begin using Telephone Banking. We're at your fingertips!

Note: Omit the decimal point when entering dollars and cents (i.e., $500.00 is entered 50000). Regulation D, Federal Reserve Requirements of Depository Institutions, apply.

With Direct Deposit*, you can be anywhere you want to be with the reassurance that your funds have already been deposited.

Direct Deposit is the automatic deposit of your net pay, Social Security and other retirement or government checks into your designated account or accounts. Direct Deposit is effortless on your part. All you have to do is designate to which account you would like your funds deposited (BHF Routing #302373079).

You'll have easy access to your account with Direct Deposit. Your funds are available through any CIRRUS Network ATM, by writing a check, using your VISA Debit Card or by calling or visiting any Big Horn Federal office.

* Direct Deposit of net pay is not offered by all employers.

Rams Head Financial Service provides you with full service insurance and brokerage products to meet all your needs.

• Insurance: Home, Auto, Life, Health, Commercial, Farm, Surety Bonds
• Investments: Stocks, Bonds, Mutual Funds, Annuities, Financial Planning

Click here for more details.

• This is an ideal gift for any occasion: holidays, birthdays, weddings, and more
• Along with the purchase is a gold envelope and presentation card that can be given to the recipient
• Available in preloaded denominations of $25, $50, $100, and $500
• Prepaid card that is not linked to your bank account
• Funds do not expire: GiftCards have a "valid thru" date, but funds never expire (they can be transferred to replacement Gift Card or refunded by American Express®)

• The safety of a Traveler's Cheque, the convenience of a card!
• Accepted at millions of places and over 600,000 ATMs worldwide that accept the American Express Card
• Reusable and reloadable
• Safer than cash: Refundable if lost or stolen
• Available in preloaded denominations of $500, $700, $1,000, and $2,000
• Funds do not expire: Cards have a "valid thru" date, but funds never expire (they can be transferred to replacement Gift Card or refunded by American Express®)