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Business Checking

When it comes to free checking, we're all business.

One of the keys to running a successful business is keeping the profits up and costs down.  A Totally Free Business Checking Account is a great place to start.  Our hard-working accounts offer all the services your business needs, whether you're expanding or just starting out. 

Plus, when you open your new account, you’ll get something else: a free gift to say thank you.  We’ll also buy back your old checks or debit card from another financial institution and apply a $25 credit to your new account

Totally Free Checking

A free account for your business needs.  No minimum balance or monthly service charge.

Business Analysis Checking

Intended for businesses with higher account activity.

Want to compare these accounts side by side?

Checking Account Comparison

Totally Free Business Checking

  • 3,000 FREE monthly transaction items
  • Up to 10,000 in coin and currency deposits or withdrawals, including change orders per month FREE
  • No minimum balance
  • No monthly service charge
  • No Minimum opening deposit 
  • Fee Schedule

Business Analysis Checking

  • Monthly maintenance fee, plus account activity fees for debits, credits and deposited checks
  • Earnings credit allowance from deposit balances may offset activity fees
  • No Minimum opening deposit
  • Fee Schedule


Unless specified otherwise, customer purchases checks. Other fees such as overdraft, continuous overdraft, etc. may apply.  See fee schedule for details.  $25 for checks and debit cards from another financial institution.  Your account will be credited at the time the checks/debit cards are presented.  Free gift provided at the time of account opening.  Transaction items include all debits, credits, and deposited items.  If the Totally Free Business Checking account exceeds 3,000 free monthly transaction items, $10,000 in monthly coin and currency deposits or withdrawals, including change orders, or requires additional regulatory oversight, the account may be changed to Business Analysis Checking which includes additional fees. Bank rules and regulations apply.

When opening your new business account, we may request:

Sole Proprietor/DBA

Limited Liability Corp (LLC)


Not-For-Profit Organization


  • SSN or TIN of Owner
  • Business Registration with State of Montana
  • TIN of LLC
  • Articles of Organization
  • Operating Agreement
  • Business Registration with State of Montana
  • TIN of Partnership
  • Partnership Agreement
  • Certificate of Partnership
  • Business Registration with State of Montana
  • TIN of Organization
  • If incorporated, follow corporation guidelines
  • If tax-exempt, IRS documentation or tax return
  • If not tax-exempt, authorization letter
  • Business Registration with State of Montana
  • TIN of Corporation
  • Articles of Incorporation
  • Business Registration with State of Montana 

Additional documents and/or state registration may also be required. Contact your First Bank of Montana Customer Services Representative for further information.

We proudly serve Central and North Central Montana in the communities of Big Sandy, Chester, Chinook, Choteau, Conrad, Fairfield, Fort Benton, Lewistown and Vaughn.