Personal Checking Accounts

Options Built For You

As Montana's largest privately-held, family owned bank, we are proud to offer a banking experience that puts you, our customer, at the center of all we do. Stockman Bank offers you the convenience and ease of banking when, where, and how you want, giving you the time and freedom to enjoy this great Montana life. Stop by one of our bank locations to open any of the checking accounts below.

406 Checking

 

Designed for customers looking for a basic checking account with no monthly service fee or minimum balance.

 

  • Free Visa® Check Card
  • Free online or paper statements
  • No minimum balance required
  • Access to our full suite of online account management tools
  • $100 needed to open an account

Investment Checking

 

Designed for customers who want to earn interest on their account balance and who maintain a minimum balance of $250.


  • Free Visa® Check Card
  • Free online or paper statements
  • Minimum balance $250
    (Fee of $6.95 per statement cycle if minimum balance is not maintained)
  • Access to our full suite of online account management tools
  • Interest earned on daily collected balances of $1,000 or more
  • Two free boxes of Stockman Bank wallet checks per year
  • Discount on first year of Safe Deposit Box rental
  • $100 needed to open an account

Elite 50 Checking

 

Designed exclusively for customers 50 and over who want an interest-earning account with no minimum balance.

 

  • Free Visa® Check Card
  • Free online or paper statements
  • No minimum balance required
  • Access to our full suite of online account management tools
  • Interest earned on daily collected balances of $1,000 or more
  • Two free boxes of Stockman Bank wallet checks per year
  • Discount on first year of Safe Deposit Box rental
  • $100 needed to open an account

Card Options

Debit Cards

Securely make purchases directly from your checking account with our debit cards. Withdraw cash, make deposits, and check your balance wherever you are.

Credit Cards

Compare our Visa® and Mastercard® personal credit card options and choose the one that best fits your financial needs.

Prepaid Cards

Visa® prepaid cards offer convenience and security and can be used anywhere Visa® is accepted.

Out of Checks?

Click here to order checks by Harland Clarke. You will need your account number and our routing number. Stockman Bank's routing number is 092905249.

Login to Order Checks



Safe Deposit Boxes

Keep your collectibles and important documents safe. Various sizes for short or long term rental are usually available. Stop by your local Stockman Bank to sign up for a Safe Deposit Box today.

24-Hour Telebank

Call 1 (888) 669-0724 to get your balance, recent transactions, and make transfers or payments. To use Telebank for the first time, you will need a PIN. Contact us and we will mail you your PIN, or visit your local branch to receive a PIN in person.

Direct Deposit

Receive your paycheck, social security, retirement, pensions, or any recurring deposits into your checking or savings account automatically! Never worry about lost or stolen checks and your money will always be in your account on time.


Yes, we offer cards that give you the purchasing power you need to take care of life. Current customers can learn more about our Personal Credit Cards here.

Please note that while your loan may be set up for autopay, if your payment is due on a Saturday, for instance, it will not process until the next business day. This means that the system will indicate your payment status as current only after it is processed on the following business day.

Yes, your payment will still pull as planned. The process times are next business day, but it will still show posted to your loan the date you have your autopay set up.

Yes, you can still make online payments. Even if your loan status says past due on the day after a weekend or holiday, make sure to check your pending transactions to avoid any possibility of making a double payment.

Contact your mortgage lender to verify your eligibility for Mortgage Rate Relief and to explain the program in greater detail. Find a Lender
Mortgage Rate Relief may be used to purchase your primary residence and must be a 1-4 unit residential property. There are no neighborhood restrictions (i.e., type or location).
Qualified applicants will receive an interest rate reduction up to 1.5% below the current market rate. This interest rate reduction only applies to 30-year fixed-rate mortgage loans.

Mortgage Rate Relief is available to homebuyers earning up to 80% of area median income (AMI), determined by the Federal Housing Finance Agency’s Underserved Areas Data. 

All owner/occupant’s income must be considered when determining eligibility for this interest rate reduction product. This includes any income you may have above what is used to qualify for the mortgage loan.

No, Stockman Bank does not currently offer Zelle® for business customers. Currently, Zelle® is only available to our Personal Online Banking customers with personal accounts.

Stockman Bank has a team of experts prepared to support our credit card program. Rest assured; we are here to assist you! If you have basic questions, like how to view your balance or accept payments, etc., call your local Stockman Bank.

If you need help with updating your information, fraud, disputes, etc., our local credit card service team is available to assist you from 7am to 5pm (MST) Monday through Friday. If you call outside of these hours, or on a bank holiday, you will be directed to afterhours support. 

Credit Card Service

 

You can see your past payments in your Online Banking app, by logging into your account on our website, or on your Credit Card Statement. A Stockman Bank teller or CSR can also tell you your most recent payment. Please note, payments take one business day to appear, so our employees won’t be able to see payments made the same day. If you don’t have access to any of these options or need more details, call Credit Card Service at (833) 770-6070.

Payments will be credited to the account on the business day they are received, but access to the credit line may not be immediately available while the funds are processed. We process all credit card payment files at 4:00pm MST.
It can! If you are signed up for both Social Security and Medicare Part B, the Social Security Administration will automatically deduct the premium from your benefit. You can sign up to have this taken out monthly or quarterly. Some Medicare Advantage and Prescription Drug Plan insurances also allow their monthly premiums to be deducted from your Social Security account.
No. If you’re still working at sixty-five (65), and you have coverage under a group health plan through an employer with twenty (20) employees or more, then you don’t have to enroll in Medicare right now. We recommend you apply for Part B three months before the first of the month following your retirement date.
Yes, you will be automatically enrolled in both Part A and Part B. This is true whether you are automatically enrolled in Medicare or you have enrolled yourself.
Yes! Here are some other qualifying events:

  • Losing job base coverage for any reason, including resigning, and being laid off or fired.
  • Losing coverage due to divorce or family changes.
  • Policy/Plan year ending (for a plan or policy you bought yourself)
  • COBRA coverage running out (or your former employer stops contributing to your COBRA coverage, requiring you to pay full cost)
  • Aging off a parent’s plan by turning twenty-six (26)
  • Losing eligibility for Medicaid or CHIP

Click here to view more examples of Qualifying Life Events from HealthCare.gov


You can schedule an appointment with our Agency once you have your Medicare card with Part A and B effective dates.
Yes, we do offer our services statewide. However, are not legally able to sell a Montana policy in a different state.
You can ONLY make these changes during the Annual Open Enrollment Period. However, if (1) you change from a Medicare Advantage Plan back to original Medicare, (2) you switch from one Medicare Advantage Plan to another Medicare Advantage Plan, (3) you switch from a Medicare Advantage Plan that offers drug coverage to a Medicare Advantage Plan that doesn’t offer drug coverage, or (4) you join a Medicare Prescription Drug Plan.
You can come see us for supplemental insurance once you get your Medicare card that shows both Part A and B effective dates!

You can sign-up during the seventh (7th) month period that starts three (3) months before your twenty-fifth (25th) month of getting Social Security or RRB disability benefits. We recommend signing up for a supplemental plan before your twenty-fifth (25th) month of getting disability so that your coverage begins the first day of your twenty-fifth (25th) month of receiving disability benefits.

IF YOU JOIN

YOUR COVERAGE BEGINS

During one of the 3 months before you turn 65

The first day of the month you turn 65

During the month you turn 65

The first day of the month after you ask to join the plan

During one of the 3 months after you turn 65

The first day of the month after you ask to join the plan