Personal Banking Solutions - Opportunity Bank of Montana
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Personal Solutions

We offer personal banking solutions to help support you on your path to a strong financial future. Visit with a Relationship Banker today to get started.


Visa® Debit Card

Opportunity Bank is a member of the MoneyPass® ATM network, providing surcharge-free ATM access at thousands of ATMs Nationwide using your Visa® Debit Card.

Your Opportunity Bank of Montana Visa® Debit Card is a contactless chip card providing security and the flexibility to make purchases at directly from your checking account.  Instead of writing a check for purchases, present your Debit Card anywhere Visa® cards are accepted. 

A contactless card allows you to tap your card against a card reader, in addition to swiping or inserting your card.  Look for the contactless symbol at a contactless-enabled merchant terminal and complete your transaction by simply holding or tapping the card on a contactless-enabled card reader.  The contactless symbol is four curved lines that get bigger from left to right, you may notice that it looks similar to the Wi-Fi symbol. 

Your card includes an EMV chip and magnetic stripe giving your a variety of options at the register.  If a store doesn't have a contactless reader, you can still swipe your card or use the chip reader. 

Debit Card Fraud Text Alerts

We want to make sure that using your debit card is as safe and convenient as possible. If we suspect a debit card transaction may be fraudulent, our fraud center will text you to confirm the transaction. The merchant name and dollar amount will display in the text message for you to review. We will only ask you to verify if you made the purchase - we will never ask for your account number or other personal information. If you confirm the transaction is valid, no other action is required, you may continue to use your card. If you do not respond, or respond that the transaction is not valid, this will automatically trigger a block on your debit card and you will need to contact the bank to lift the card restriction.

If we have your mobile phone number on file, you won't need to do anything to enroll. If there is suspicious activity with your card, we'll send an alert. It's that easy. If you need to verify or update your mobile phone number, call us at 1-888-750-2265.

To opt out of Enfact Fraud Text Alerts, reply STOP when a text message is received. Cardholders who opt our will continue receiving only phone calls regarding potential fraudulent card activity.

*Wireless carrier charges may apply

Lost or Stolen Card?

If your card has been lost or stolen please contact the bank immediately during regular business hours. Outside of banking hours, please call 1-888-750-2265.

Visa® Credit Cards - Offered through TCM Bank, N.A.

We are pleased to partner with the Independent Community Bankers of America (ICBA) to offer credit cards through TCM Bank, N.A.  Stop into any Opportunity Bank branch to pick up an application or apply online today. 

Our Platinum credit cards offer hometown convenience, worldwide acceptance and great benefits. 

Three great options from the bank you know best.

  • Rewards Platinum - unlimited reward points. Earn one point per dollar on net purchases and redeem them for merchandise, rental cars, travel and more. Visit for details.3
  • Cash Rewards Platinum - earn 1% cash back on all net purchases. Cash rewards never expire.3 
  • Platinum Edition - no penalty APR and competitive rates.*

Enjoy the following features with all of the above options:

  • Competitive rates*
  • Mobile payments like ApplePay® and Google PayTM for a safe and secure way to pay
  • Free FICO® score1
  • Cell Phone Protection2
  • Fraud Monitoring and Zero Fraud Liability
  • SecurLOCKTM Email and Text Fraud Alerts
  • ID Navigator Powered by NortonLifeLock4
  • Opportunity Bank of Montana logo included on the card

Our Secured Credit Card* is the perfect solution if you are looking to build or re-build your credit. It works like any other credit card except is requires a security deposit which is held as collateral for your account. 

Plus, you receive these great benefits:

  • Graduation Eligibility: With responsible use, you may become eligible for graduation to an Unsecured Credit Card in as little as 13 months.
  • Mobile payments like ApplePay® and Google PayTM for a safe and secure way to pay
  • Free FICO® score1
  • Fraud Monitoring and Zero Fraud Liability
  • Email and Text Fraud Alerts
  • Financial Education

Apply Now

*See the card application’s Important Disclosures for current terms, rates and fees. This card is issued by TCM Bank, N.A. Subject to credit approval.

1FICO is a registered trademark of Fair Isaac Corporation in the United States and other countries. FICO® Scores are updated monthly. You may not see your FICO® Score right away. Some exclusions apply. Cardholders receiving employee pricing are not eligible.

2Certain terms, conditions and exclusions apply. In order for the coverage to apply, you must charge your eligible cellular wireless bill to your covered TCM Bank-issued card. To learn more about this benefit or to file a claim visit the FAQ section at or call 1-866-894-8569.

3In order to access rewards, your account must be open and in good standing.

4No one can prevent all identity theft.

Personal Overdraft Protection

Have peace of mind in the event that your checking account balance is not sufficient to cover a check. 

Overdraft Protection Line of Credit*

This service transfers funds automatically from your overdraft protection line of credit to your checking account. 

*On approved credit

Overdraft Sweep

An Overdraft Sweep allows for checking, savings and money market accounts to automatically sweep (move) funds to avoid an overdraft on your account. Visit with a Relationship Banker today for full disclosures.

Overdraft Privilege

Learn More about Overdraft Privilege

eStatements for Checking & Savings

  • Sign up within Online Banking  to download, save, view or print your PDF statements online
  • Available for Personal and Business customers enrolled in Online Banking
  • Receive automatic email notifications when your statements are available, no need to wait for your statement to arrive in the mail
  • Easily access up to 18 months of statements online anytime
  • Reduce your risk from stolen paper statements
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Direct Deposit

Eliminate extra trips to the Bank! It's easy to arrange to have your payroll,  Social Security or other benefit check deposited directly into your Opportunity Bank of Montana checking or savings account. There's no need to worry about checks being lost in the mail and best of all this service is free. Enroll in account alerts and you'll know right away when the payment is deposited into your account. 

Switch Kit

Change isn’t always easy, but changing your bank account is. Make the move to Opportunity Bank with our easy online Opportunity Bank of Montana Switch Kit.

Personal Online Banking

If you have an active account and would like to begin accessing your account information online, contact a banker for your PIN, then select NEW USER to get started. 

  • Contact your local banker for your enrollment PIN
  • Click on NEW USER, located in the Online Banking login box from the home page, then, respond to the questions in the User Enrollment Box that appears on your screen
  • Please review our Online Banking FAQs if you have additional questions

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Online Banking Agreement and Disclosure

Mobile Banking

With the Opportunity Bank of Montana Mobile Banking App, you can check your available balances, view transaction history, transfer funds between accounts, pay your bills, contact your local branch, deposit a check, and find ATM branches in your area, and more.  

To download our mobile app, visit your phone's app store  and search for "Opportunity Bank" or download below.

Apple App Store Google Play Store

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Mobile Check Deposit

If you can take a picture, you can deposit a check. Open the Opportunity Bank of Montana mobile app, click on the check deposit icon, and follow prompts. Using your phone's camera, take a picture of the front and back of your check. You must endorse the check with your signature and include the words “For Mobile Deposit” on the back.

*Check deposits are not reflected immediately in account balance. Mobile Check Deposits made before 4:00 p.m. will be processed on the current business day, deposits made after 4:00 p.m., or on holidays and weekends will be processed on the following business day. All deposits are reviewed for holds and validity. Please retain the original check for thirty (30) calendar days. Funds from any deposit made by mobile deposit may not be available until the first business day after the day of your deposit.

Bill Pay

Save time and postage by using your personal computer to make payments to any business or person. 

Automatic Transfer Payments

We make it easy to save money with our automatic transfer service. We transfer a fixed dollar amount from your Opportunity Bank of Montana checking account into your savings, Christmas Club, money market or IRA for free. We also pay your Opportunity Bank loan payments automatically from your Opportunity Bank of Montana checking or savings for free. Receive a quarter percent discount on your new Consumer Loan when you sign up for this option.


Have questions? View our Frequently Asked Questions

Telephone Banking

24-hour access to your Opportunity Bank accounts, toll free, from anywhere in the continental U.S. by calling

  1. Call 888-750-2265 option 1 anytime from a touch-tone telephone

  2. Press the appropriate button on your touch-tone phone to select the type of transaction or information

  3. Enter your Account Number and PIN number, then follow the instructions

*When transferring funds using either the Internet Banking site or the 24-hour phone service, your account balance will immediately reflect the current transaction. Posting of the transaction may be delayed until the next business day if performed after 6pm MST Monday - Friday.

Electronic Federal Tax Payment System

EFTPS is a system for paying federal taxes electronically using the internet. EFTPS is offered free by the U.S. Department of Treasury.

Safe Deposit Boxes*

Have peace of mind knowing your valuables and records are safe in a safe deposit box. We offer affordable rental rates at many of our locations and discounts for seniors (age 50 or older).

*No insurance coverage is provided on box contents by FDIC or Opportunity Bank of Montana

Reorder Checks

Order your checks online from Harland Clarke, our preferred provider. Ordering checks online from Harland Clarke is as safe and secure as ordering them in person or over the phone. The site is Verisign secure and TruSecure certified, so your transactions and account information are safe and completely confidential. 

You may also contact your local branch for assistance with placing a check order.  


Change of Address

Keep Opportunity Bank of Montana informed of your correct address by completing the Change of Address form. You may complete this form in person at any of our branch locations.

  1. Print out this form

  2. Sign the form in ink and

  3. Drop the form off at any Opportunity Bank location or mail it to:

    Opportunity Bank of Montana
    Customer Service Department
    PO Box 4999
    Helena, MT 59604-4999


Click to view account disclosures.



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