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Business Solutions


Merchant Services

Reduce your costs and increase your cash flow with our merchant services program. We provide a cost-effective service with some of the lowest credit card processing rates in the industry.

  • Credit and Debit Card Processing
  • ACH/EFT and check processing
  • Mobile Smartphone and wireless terminal processing
  • Internet Gateway Processing
  • Gift/Loyalty Program Cards
  • ATMs
  • Merchant Cash Advance

Other special features of our program include:

  • Fast approvals for all major credit cards
  • NO CONTRACTS or early termination fees
  • 24/7 customer support
  • Detailed Online Reporting Analytics of your business


  • Gift Cards – a powerful promotion tool that offers significant return on investment.
  • Electronic Check Imaging – improves cash flow by depositing funds every day.
  • ATMs – provides an in-store cash option.

Let us provide you a FREE ANALYSIS of your current Merchant Services program. We promise you...

  • Complete understanding of your charges
  • A review of the latest technology and options

Merchant Capture

Our Merchant Check Capture provides you the ability to image-capture check payments at your business location and electronically deliver the images and MICR information to Opportunity Bank over a secure Internet connection. No more trips to the bank!

Merchant Check Capture enables you to:

  • Consolidate accounts
  • Eliminate trips to the bank
  • Speed up your access to funds
  • Reduce time to research checks and deposits
  • Make deposits at your convenience

Merchant Card Services

Accepting Credit Cards has never been easier and more transparent! 

With Opportunity Bank of Montana’s Merchant Card Services, you’ll have access to fast and easy-to-use processing systems that will give your customers the payment options they desire. Our secure tokenization and dependable products are designed to accept all payment types, including chip cards, and are all provided at competitive rates with the service you need to help effectively manage your business. Not only do we allow you to process with the Bank you trust we also have best in class technology solutions to cut down the time you have to spend on reconciling funds. By working with our preferred LOCAL merchant vendor, Opportunity Bank of Montana can enable your business to accept credit and debit cards, EBT transactions and customer checks with as little paperwork and hassle as possible. At the same time, our competitive discount rates and low monthly fees help you protect the bottom line. 


  • EMV Retail terminal based solutions                                                          
  •  Pay on the GO-MOBILE solutions (Apple and Android)
  •  eCommerce Payment Gateways
  •  POS software solutions
  •  Quickbooks plug-in integrated solutions
  •  ACH/Check processing
  •  Gift Cards/Loyalty cards

Portable Card Processing TabletPortable Card Processing PhonePortable Card Processing Card Swiper

What we offer:

  • LOCAL services
  • NO contract required
  •  Superior reporting technology
  •  Reconciliation technology and reporting
  •  Next day deposits/funding
  •  Security/PCI breach coverage

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Business Credit

Keep your business spending separate from your personal with our Visa® Platinum Business credit cards.

  • Employee cards at no extra cost
  • Consolidated Statements and Comprehensive Reporting
  • Chip Card Security
  • Fraud Monitoring and Zero Fraud Liability
  • Travel Accident Insurance1
  • Personal service from people you know

Small Business Rewards Credit Card

No annual fee and 0% introductory APR on purchases and balance transfers. Plus, competitive rates starting at 12.24% to 22.24% based on creditworthiness.* Earn one point for every net dollar spent. Redeemable for merchandise and travel awards. Visit cRewardssm for details.

Ask a Relationship Banker today

*See the card application’s Business Card Pricing Sheet for current terms, rates and fees.

1 Coverage applies when the entire cost of the fare (less redeemable certificates, vouchers, or coupons) has been charged to the card. Your account must be in good standing. Restrictions to coverage may apply.

This card is issued by TCM Bank, N.A. Subject to credit approval.

Business Debit

Visa® Business Checkcard

The Visa® Business Checkcard is an enhanced ATM card that gives you the ease of making purchases at merchants worldwide. Please contact a Relationship Banker for details.

Foreign transactions require prior activation, please contact customer service at your local branch. Payment for each purchase is deducted automatically from your Opportunity Bank checking account.

If your card has been lost or stolen please contact the bank immediately, during weekends or after hourscall 1-800-472-3272.

This convenient card is FREE (on approval). Our Visa® Checkcard is on the MoneyPass network, making it not only FREE but also easy to use your debit card at thousands of merchants and ATM machines worldwide.

Business Loans

Let’s start something together! Opportunity Bank offers a full line of business loan products and services and is an active participant in the Small Business Administration (SBA), Board of Investments and Rural Business Development programs.

  • Commercial construction and term loans
  • Loans for working capital and inventory purchases
  • Equipment loans
  • Business lines of credit
  • Letters of credit
  • Loans for multi-family housing
  • Merchant card services and credit cards

Come in or call one of our friendly Loan Officers. Appointments are appreciated but not necessary!

Contact A Loan Officer Today 

Online Banking

Streamline your Business Banking experience and stay organized with our easy online account management tools.

  • Enhanced Online Security
  • Quick Pay Zone – Bill Pay access right from your home page
  • Wire Manager with tokens for transaction authentication
  • Integrated ACH with tokens for transaction authentication
    • Direct Deposit of Payroll
    • Vendor Payments
    • Account Drafts
  • Integrated Remote Deposit (Merchant Capture)
  • Administrative Tools
  • Account Alerts – receive email or text alerts about your account activity
  • Export – easy to export information to financial management software
  • Real-time stop payments
  • eStatements

Positive Payee

Coming Soon!

Opportunity Bank’s Positive Payee advanced check protection fraud system.

Online Education Center

Watch the video tutorials at right for log on and enrollment instructions.

Account History and eStatements:

  • 18 months of eStatements are available

Account Alerts:

  • Just click the Alerts button on the home page to set up your Account Alerts

Bill Pay:

  • E-bills securely deliver your invoices to your Bill Pay account without the hassle of going to the post office or buying a stamp


  • Receive a security token for additional protection when completing certain transactions
    • Tokens are small, connectionless devices that generate a one-time password

Watch the video tutorial on this page to learn how to activate and use tokens.

Operating System & Browser Requirements

Supported operating systems for Business Online Banking:
  • Windows 7, Windows 8 or newer
  • Mac OS 10.9 or newer
Supported Browsers:
  • Internet Explorer 11 or newer
  • Mozilla Firefox (Current Version)
  • Google Chrome (Current Version)
  • Apple Safari 9.1 (Mac OS only) or newer

If you have an older version, please update your operating system or web browser to these minimum requirements.

Bank EFT

Our business EFT Service is the electronic transfer of money from one bank account to another. Click here for more details.


Zrent logo

ZRent is a Landlord and Property Manager Tool for Automatic Rent Collection. ZRent is beneficial for both the tenant and the landlord. It works by automatically deducting rent payments from the tenant’s bank account and deposits them directly into the landlord’s account. After a one-time registration process, tenants can set and forget their monthly payments, and landlords will no longer have the hassle of collecting checks and making the trip to the bank. ZRent eliminates late or lost rent payments. ZRent is completely free for all tenants to use. It is also free for landlords with an Opportunity Bank operating account. ZRent is brought to you by Opportunity Bank of Montana. Contact a Relationship Banker today, or check it out for yourself at ZRent.net.


Contact a Relationship Banker for more details


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Personalization Settings



Opportunity Bank would like to personalize your banking experience. Please enter your first name below.

This level of personalization will not lead to the sale of your name or leak your identity. The information you provide will only be stored on your computer and will not be transferred to any other source.

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