Online Banking
Online Banking Business
Online Banking Bill Payment

 

Online Banking:
Expand | Minimize

What can I do with Online Banking?
Q What can I do with Online Banking? 
A

You can transfer funds between existing accounts within our bank, view account information, download transaction information to a spreadsheet, word processing document, or money management software, stop payment on a check and make payments on loans at First Bank of Montana.

Minimize
What is money management software?
Q What is money management software? 
A

Money management software is software that helps you keep track of your finances. Some examples are Microsoft Money® and Quicken®.

Minimize
How do I access Online Banking?
Q How do I access Online Banking? 
A

After you have signed up for the service with one of our customer service representatives visit our web site and click the Online Banking login button.

Minimize
Do I need any special software installed on my computer?
Q Do I need any special software installed on my computer? 
A

No. All you need is Internet access via an Internet Service Provider (ISP) and an Internet browser.

Minimize
What is an Internet Service Provider (ISP)?
Q What is an Internet Service Provider (ISP)? 
A

An ISP is a company that provides Internet service to customers like you. Without an ISP you will be unable to access the Internet.

Minimize
What is a browser and how do I get one?
Q What is a browser and how do I get one? 
A

A browser is software that allows you to "surf" the web. Typically, most computers have Microsoft Internet Explorer included with Windows. You can also ask your ISP for more information on browsers.

Minimize
When are Online Banking transactions updated to my account?
Q When are Online Banking transactions updated to my account? 
A

Because Online Banking is in "real time" the transactions are updated immediately.

Minimize
When will regular bank transactions show up on Online Banking?
Q When will regular bank transactions show up on Online Banking? 
A

Regular bank transactions will show on Online Banking the following day.

Minimize
Can Online Banking be set up as a joint account?
Q Can Online Banking be set up as a joint account? 
A

No, however if the Bank account is a joint account it is acceptable for both account holders to share one Online Banking account.

Minimize
What happens if I forget my Online Banking PIN?
Q What happens if I forget my Online Banking PIN? 
A

You can call our Customer Service Department and ask them to reset your PIN at (406) 538-7471 Lewistown or (406) 357-2244 Chinook

Minimize
Is there a fee for using Online Banking?
Q Is there a fee for using Online Banking? 
A

There is no fee for Online Banking.

Minimize

 

Online Banking Business:
Expand | Minimize

Can more than one user access the accounts for my business?
Q Can more than one user access the accounts for my business? 
A

Yes. Online Banking Business provides administrative functionality that allows the designated account administrator to grant access to additional users. There is no limit on the number of users that can access your online account.

Minimize
Can wire transfer and ACH capabilities be setup with dual control?
Q Can wire transfer and ACH capabilities be setup with dual control? 
A

Yes. The account administrator has the ability to restrict the capabilities of any user. With this ability, dual control can be accommodated for all functions.

Minimize
How far in advance should ACH batches be initiated?
Q How far in advance should ACH batches be initiated? 
A

In order to ensure that the funds in an ACH batch reach their destination, you need to initiate the batch by 3:00PM MST one day prior to the effective date. The transaction will not post to your account until the effective date.

Minimize
Are there any time restrictions for wire transfers?
Q Are there any time restrictions for wire transfers? 
A

Yes. To be included on the current day's business, a wire transfer must be initiated by 2:00PM MST.

Minimize

 

Online Banking Bill Payment:
Expand | Minimize

Whom can I pay through Online Banking Bill Payment?
Q Whom can I pay through Online Banking Bill Payment? 
A

You can pay ANYONE in the United States... your credit cards, utility companies, loan payments, and even a child in college.

Minimize
How far in advance should I set up a payment to insure it is paid on time?
Q How far in advance should I set up a payment to insure it is paid on time? 
A

Payments should be scheduled 7 to 10 business days (3 business days for electronic payments) in advance of when you want the payment to actually be paid.

Minimize
When will the money be taken out of my account?
Q When will the money be taken out of my account? 
A

For electronic transactions, the money will be withdrawn from your account on the payment date you have set. For transactions processed by check, the money will be withdrawn from your account when the check is presented for payment by the payee.   Your account will never be debited before the payment date you have set.

Minimize
What happens if I have a scheduled payment that falls over a weekend or holiday?
Q What happens if I have a scheduled payment that falls over a weekend or holiday? 
A

Scheduled payments that fall over a weekend will be processed on Friday. Any new payments that are scheduled over the weekend (Sat-Sun), for the current weekend, will be processed on Monday. Holiday processing is done the next business day.

Minimize
What if I do not have enough money in my account?
Q What if I do not have enough money in my account? 
A

The bank will treat bill payment check transactions like any other check you write. Electronic transactions will not be sent until the funds are available.

Minimize
Can I schedule recurring payments?
Q Can I schedule recurring payments? 
A

Yes. You may schedule both one-time and recurring payments.

Minimize
How late in the day can I enter, edit, or delete a payment?
Q How late in the day can I enter, edit, or delete a payment? 
A

You may add, edit or delete payments anytime.   Transactions that need to be processed on the current day need to be entered by 11AM MST.

Minimize
Can I have multiple payments to the same payee on the same day?
Q Can I have multiple payments to the same payee on the same day? 
A

You can make multiple payments to the same person as long as the payment amounts are different. For your protection, the system will not pay duplicate items on the same day.

Minimize
Can I stop a payment?
Q Can I stop a payment? 
A

Yes. You can contact our Bookkeeping Department at (406) 538-7471 or you can add the stop payment via your online banking account.

Minimize
Can I use Online Bill Payment if I live outside the U.S.?
Q Can I use Online Bill Payment if I live outside the U.S.? 
A

Yes, as long as you have a checking account with our bank.

Minimize
Can I get a copy of the cancelled check?
Q Can I get a copy of the cancelled check? 
A

You can request a copy of any check by contacting our Customer Service Department at (406) 538-7471. There may be a fee associated with this service. You can also look at a copy of the cancelled check via your online banking account if it occured in the past 90 days.

Minimize
How many payees may I have set up?
Q How many payees may I have set up? 
A

You may have as many payees as you wish.

Minimize
Can I edit payee addresses?
Q Can I edit payee addresses? 
A

No. You will have to set up a new payee with the correct address and delete the old one.

Minimize