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First Bank of Montana
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Financial Foundations

Exceptional Tools to Build Strong Foundations.

We believe success begins with a solid understanding of key financial concepts and are committed to paving a path toward a secure financial future for those we serve. To that end, we have partnered with the following organizations in our pursuit to provide a strong financial education program:

  • FDIC Money Smart Alliance - The Glacier Family of Banks is a member in strong standing with the FDIC Money Smart Alliance. This instructor led program allows our banks to work directly with community based organizations to help individuals develop strong money management skills. 
  • Everfi -  In conjunction with our instructor led curriculum, we  also offer a self-paced  computer based education program to students, and adults seeking real world financial training.
  • Youth Banking Network – We are proud to be an active member of the FDIC Youth Banking Network.

For more information about how to get involved with any of these financial education opportunities, please contact the bank.

To promote lifelong financial literacy for our customers, we’ve teamed with the experts at Everfi to offer a brief, yet powerful interactive learning experience we call Financial Foundations. This program is offered to all our customers, community members and bank employees at no cost whatsoever.

Here are just a few of the things you can learn about using Financial Foundations:

  • Checking and savings accounts, and building savings for the future
  • Payments—how they are processed and how to avoid overdrafts
  • Credit scores and reports and what they mean for you
  • Financing an education, new home, or car: How loans work
  • Credit cards help you pay for what you need today—What to know before you spend
  • Taxes, insurance, and other expenses to plan for
  • Retirement isn’t that far away. Saving now can have big returns later
  • Avoid being a victim of identity theft

Good Grades Pay Student Rewards Logo

Turn Good Grades Into Great Rewards!

With Good Grades Pay Student Rewards, every report card can earn cash when you have a Totally Free Checking Account at FBMT. Plus, you'll be entered for a chance to win one of seven scholarships awarded at the end of the school year—five $1,000 scholarships and two $2,500 scholarships.

Good Grades Pay and so does financial education. 
Complete the Good Grades Pay playlist and earn a $10 incentive to be deposited into your account.
 
How it works:
1) Click on the link below.
2) Click on "Good Grades Pay" playlist
3) Complete the 12 modules
4) Stop into a local FBMT branch
5) Tell them you completed the Good Grades Pay courses
6) Receive your money which will be deposited into your account.
 

*Certain restrictions apply. Students must be age 12-25 as of the last day of the school year. Students must be enrolled in a Montana Public, Private, Homeschool or Charter School, or a 2- or 4- year College or Vocational school, receive letter grades, and have a First Bank of Montana Totally Free Checking Account to participate. Minors require a parent/guardian co-signer. Earn $3 per “A” ($3 minimum, $20 maximum), plus a $5 bonus for a 4.0 term GPA (one per semester. Awards are deposited into the First Bank of Montana primary checking account. First Bank of Montana may modify or cancel the program at any time (without affecting pending payments). Cash PAYOUTS AND Scholarship awards ARE treated as interest and will be reported to you on IRS Form 1099-MISC. Cash awards and/or scholarships may be tax reportable. Consult your tax advisor.  *Good Grades Pay Students with an open First Bank of Montana Checking Account may earn a one-time $10 incentive upon successful completion of the Good Grades Pay Financial Literacy Course. Payment will be deposited into the First Bank of Montana primary checking account within one month of the nearest report card submission.  **Scholarship Details: NO PURCHASE NECESSARY. YOU DO NOT NEED NOT BE CUSTOMER TO ENTER. Open to eligible middle school, junior high, high school, and college students in Montana. Visit a local branch for details or the First Bank of Montana, Good Grades Pay website for official scholarship rules.  ***Totally Free Checking: Unless specified otherwise, customer purchases checks. Other fees such as overdraft, continuous overdraft, etc. may apply. See fee schedule for details. Bank rules and regulations apply. 

Need a little help improving your credit profile?  Our Credit Builder Loan Program is designed to give those with poor or limited credit the opportunity to establish or re-establish credit while simultaneously building equity in a deposit account.

As part of our commitment to helping you secure a solid financial future, we offer a series of online courses to help put you on the path to success through our Financial Foundation Program. These interactive online modules take about 10 minutes each to complete and are self-paced to allow for flexibility to your schedule. You will learn key financial concepts on managing your credit, obtaining loans and saving for the future. As an added benefit, you will receive a 5% interest rate reduction on your Credit Builder loan. Just contact your lender upon completion of the designated modules.

FDIC Consumer News provides practical guidance on how to become a smarter, safer user of financial services. You’ll find articles with helpful hints, quick tips and common sense strategies to protect and stretch your hard-earned dollars.

The FDIC Consumer Assistance link is another useful tool.

Learn the Process. Earn the Reward.

Gain valuable homebuying knowledge and save money at closing. Get $595 toward closing costs when you complete our Owning a Home education modules to receive a credit at closing on your home purchase. Valid through December 31, 2026.
Quick & Easy Learning
✔ 8 interactive online modules
✔ About 10 minutes each
✔ Self-paced—learn anytime
 
How to Qualify
  • Home purchase loans only
  • Complete modules at least 2 weeks prior to closing
  • Contact your lender after completion
Get Started Today
Limited Time
Valid through December 31, 2026
 
*This exclusive offer expires 12/31/2026. Offer valid for up to $595 towards closing costs. Available with First Bank of Montana home purchase secondary market, conventional, FHA, VA and Rural Development (USDA) Loans up to applicable agency loan limit. Offer only valid for costs described and cannot be used to decrease loan amount. Loan must close with First Bank of Montana. All loan decisions are subject to First Bank of Montana’s internal lending constraints and the unique credit circumstances of the borrower. Employees are not eligible for the Smart Start Homebuyer Incentive.




Proudly serving Montana communities for over 100 years with locations in Lewistown,
Big Sandy, Chester, Chinook, Choteau, Conrad, Fairfield, Fort Benton, Great Falls, Plentywood and Vaughn.