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Personal Solutions

We offer an array of personal banking solutions to support you on your path to a strong financial future. Scroll below to find tools that will help you in your financial journey. Questions on the below? Visit with a Relationship Banker today.


Visa® Debit

Our Visa® Debit Card is an enhanced EMV chip card giving you the flexibility to make purchases at merchant locations worldwide. Foreign transactions will require prior activation. Payment for each purchase is deducted automatically from your Opportunity Bank checking account.

Contact a Relationship Banker Watch video tutorial

Visa® Checkcard

The Visa® Checkcard is an enhanced ATM card that gives you the ease of making purchases at merchants worldwide. However, 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.

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.

Lost or Stolen Card?

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

Interest Rates

Visa® Credit Card

Our Visa® Credit Card has everything you need and best of all, it's offered by us. Stop in at any branch to pick up an application, or apply online.

Our Visa® Credit Card has all of the following great features:

  • Competitive rates*
  • No annual fee
  • Reward points for merchandise and travel
  • Tickets on any airline with no blackout dates
  • Travel Accident Insurance
  • Personal service provided by your Relationship Banker

Visit www.mycardstatement.com to view your current balance and activity

*See disclosures for current terms, rates and fees. Credit cards are subject to credit approval. Cards are issued by TCM Bank, N.A.

ScoreCard Rewards

Our ScoreCard Rewards is provided by Visa® and helps you earn points on a variety of everyday purchases. Earn points on merchandise and travel options to fit almost any lifestyle.

Our ScoreCard Rewards has all the benefits of our Visa® Credit Card, plus:

  • Earn one point for every net dollar in retail purchases
  • Redeem points for air travel, rental cars, cruises, hotels or other travel options with fewer restrictions and no blackout dates
  • Points may also be redeemed for a wide variety of merchandise from our ScoreCard Catalog
  • Redeem your ScoreCard points online at ScoreCard Rewards Program.

Visit www.mycardstatement.com to view your current balance and activity

Personal Overdraft Protection

Have peace of mind in the event that your checking account balance is not sufficient to cover a check. This service transfers funds automatically from your overdraft protection line of credit to your checking account.

Overdraft Sweep

Overdraft Sweep* allows for checking, savings and money market accounts to automatically sweep funds so you can avoid an overdraft on your account. There is a per sweep fee for this service. Visit with a Relationship Banker today for full disclosures and fees.

*On Approved Credit

Overdraft Privilege

Overdraft Privilege Service adds value to your eligible Opportunity Bank checking account. Rather than automatically returning unpaid non-sufficient funds, we will consider payment of your reasonable overdrafts, as long as your account in good standing. At your discretion, you may Opt in or Rescind your agreement to have the overdraft privilege service.

Learn More about Overdraft Privilege

eStatements for Checking & Savings

  • Sign up through online banking, download, view, and print your statements online with eStatements
  • Available for Personal and Business customers enrolled in our online banking service
  • Receive electronically and replace mailed statements
  • Include images of checks and/or other items
  • View current and past statements (up to 18 months) online anytime, day or night

ATM Card

MoneypassAccess your money 24 hours a day by using your Opportunity Bank of Montana ATM Card. Look for the MoneyPass logo on ATM machines coast to coast. Thousands are available and all are surcharge free. 

Find an ATM

Direct Deposit

Eliminate extra trips to the Bank! It's easy to arrange to have your payroll, pension or Social Security 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.

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

To use this service you must have an account with us. If you have an account and would like to bank online click NEW USER to get started. If you don't have an account with us and would like to open one, stop in at an Opportunity Bank near you.

Our Online Banking is free of charge and provides convenient services:

  • Account balance inquries
  • eStatements
  • View and print check history
  • Review account history
  • Transfer funds between your accounts
  • Transfer funds to accounts at other institutions you are an owner/signer on (fees may apply)
  • Make automatic loan payments
  • Online Bill Pay is FREE

Before You Log-On

  • First time users will click on NEW USER, located in the Online Banking login box from the home page. Next, fill out and answer the questions in the User Enrollment Box that appears on your screen
  • There are no service charges or fees to use Online Banking or 24 Hour Phone Banking.
  • Opportunity Bank recommends you change your PIN on a regular basis for your security and ours
  • Please review our Online Banking FAQs if you have additional questions.

Mobile Banking

With the Opportunity Bank of Montana 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. Choose from TEXT Mobile, Mobile Web or the Mobile app. 

Text Mobile

Use text messages to perform the most common online transactions. Register your cell phone within Online Banking, and you'll be on your way!
Use any of the following TEXT commands/keywords:

  • BAL = Balance on accounts registered for Text Banking
  • HIST + acct nickname = Last 4 transactions
  • ATM + Street or Zip = Nearest ATM locations
  • BRANCH + Street or Zip = Nearest Branch location
  • STOP = Deactivate service
  • HELP = Help on keywords

Commands are not case sensitive. For example, you can type "help" or "HELP."

Mobile Web

Access our website at www.opportunitybank.com from any internet enabled smartphone and log on with your existing credentials. You'll be prompted for your challenge questions if this is the first time using your device.

Mobile Apps

To download the right app for your smartphone, visit either the Google PlayStore  or iTunes App Store and search for "Opportunity Bank" or download using the buttons below.

Smartphone App

Apple App Store Google Play Store

Tablet App

Apple App Store Google Play Store

Mobile Check Deposit

If you can take a picture, you can deposit a check.

3 steps to depositing your checks without a trip to the bank!*

  1. Establish a bank account, then an Online Banking Account at www.opportunitybank.com
  2. Download the Opportunity Bank App from Google Play or the Apple App Store
  3. Once in the app, follow prompts on how to deposit your check. Using your smart phone, take a picture of the front and back of your check. You must endorse the check with your signature and write “Mobile Deposit Only” 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.

Learn how we protect your privacy Online Banking Agreement and Disclosure

Bill Pay

Save time and postage by using your personal computer to make payments to any business or person. Enjoy all the convenience of Online Banking plus bill pay features.

  • Bill payment options range from one-time payments to fixed amount recurring payments
  • Bill Pay service is FREE!


Popmoney®* is a person to person electronic money transfer service. For example, send your brother money for his birthday or pay back a friend for your half of lunch. This service is included in Opportunity Bank’s Online Banking Bill Pay product. To use Popmoney, enroll for Bill Pay in Online Banking. Once registered, click on the Popmoney tab to enter your payee’s contact information, the payment date, and the dollar amount to schedule and confirm your payment. Once enrolled you can also schedule Popmoney payments via the Opportunity Bank app.

To send money, all you need is the name and email address or mobile number of the recipient. The recipient will get a personalize email or text message indicating you’ve sent them money with instructions on how to retrieve it. If the recipient’s bank or credit union offers Popmoney, the recipient can simply use online banking/ bill pay, and the money will go directly from your checking or savings account to his or hers. If not, the recipient can go to Popmoney.com to indicate where the money should be deposited.

There is a nominal fee for each transfer. Daily and Monthly payment limits do apply and can be viewed on the Popmoney screen in Bill Pay. Limits are not adjustable. Unclaimed payments will be re-deposited into the originating account after 10 days.

Receive Money Free
Regular Payment Fee (per payment) $0.75
Next Day Payment Fee (per payment) $1.50
Request Money Fee (per payment) $0.75

Fees are charged at the time you send the payment. Please refer to Terms of Use. Overdraft fees imposed by your financial institution may also apply. There is no fee if your request is not paid. The fee amount is subtracted from each payment sent to you or, you can choose to transfer the fee to those from whom you are requesting money (note that the fee is included in your payment limits).

*Popmoney is a registered trademark of Fiserv, Inc., or its affiliates. Terms and Conditions apply. Popmoney personal payment services offered at www.Popmoney.com are provided by or through CheckFreePay Corporation, a licensed money transmitter, and/or its affiliate CheckFreePay Corporation of New York, which is licensed and regulated as a Money Transmitter by the New York State Department of Financial Services, each a wholly owned subsidiary of Fiserv, Inc.

Auto 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 free. We also pay your Opportunity Bank loan payments automatically from your Opportunity Bank of Montana checking or savings free. Receive one-half percent discount on your new Consumer Loan when you sign up for this option.


Have questions? View our Frequently Asked Questions

Phone Banking

Toll-free (888) 750-BANK (2265)

Get 24 hour access to your Opportunity Bank accounts, toll free from anywhere in the continental U.S.!

  • Free
  • Secure
  • Up-to-the-minute* account information
  1. Call (888) 750-2265 option 1 anytime from a touch-tone telephone

  2. Listen to the banking options. 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 this financial institution.

Foreign Currency


Buy Foreign Currency online

Reorder Checks

Harland Clarke

Reorder your favorite checks directly through Harland Clarke. Save time and money by directly placing your check order with the check printers.

Contact your local branch

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.

Complete all areas of the form

  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


As with any industry, comes disclosures.


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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.

Please do not remind again