Fees published

Fees on this page come from the institution's own published fee schedule. Benchmark scores use only fees that cleared review.

Community bank, $300M to $1B

First Montana Bank, Inc.

Missoula, MontanaBankMinneapolis Fed districtFees collected Oct 6, 2026Financials Q2 2026

Website Published fee schedule

Published fees

Published fees power benchmarks; fees under review do not.

vs. U.S. typical range:LowerTypicalHigher

Account MaintenanceVerified

Minimum Balance Requirement To Avoid Monthly Maintenance Fee$0Below the typical range ($4–$10 nationally)

Overdraft & NSFVerified

Overdraft Fee$33Within the typical range ($25–$33 nationally)
$3 above the national median$3 above the Montana median
per item · Source
Returned Item Fee (your item returned unpaid)$33Above the typical range ($25–$32 nationally)
$3 above the national median$8 above the Montana median
per item · Source

ATM & CardVerified

ATM Withdrawal Fee$2Within the typical range ($1–$2.25 nationally)
$0.50 above the national medianAt the Montana median
Source
Replacement of Lost Debit Card$10Within the typical range ($5–$10 nationally)
At the national medianAt the Montana median
per item · Source

Wire TransfersVerified

Domestic Wire Reprocessing$10Below the typical range ($20–$25 nationally)
$15 below the national median$10 below the Montana median
per item · Source
Outgoing Domestic Wire$25Within the typical range ($20–$25 nationally)
At the national median$5 above the Montana median
per item · Source
Incoming Domestic Wire$10Within the typical range ($5–$15 nationally)
At the national medianAt the Montana median
per item · Source
Outgoing Foreign Wire$50Within the typical range ($40–$50 nationally)
At the national medianAt the Montana median
per item · Source
Incoming Foreign Wire$40Above the typical range ($10–$25 nationally)
$20 above the national median
per item · Source

Check ServicesVerified

Cashier's Check$5Within the typical range ($3–$6 nationally)
At the national median$2 above the Montana median
per item · Source
Money Order$3Within the typical range ($1.50–$3 nationally)
$1 above the national median$1 above the Montana median
per item · Source
Stop Payment$33Above the typical range ($20–$30 nationally)
$5.50 above the national median$8 above the Montana median
per item · Source
Counter Check$0.50Below the typical range ($1–$4 nationally)
$1.50 below the national median$0.50 below the Montana median
per item · Source
Collection Items$33Above the typical range ($10–$25 nationally)
$13 above the national median$8 above the Montana median
per item · Source
Check Copies$1Below the typical range ($2–$5 nationally)
$2 below the national median$2 below the Montana median
per item · Source

Digital & ElectronicVerified

Online Bill Pay/Online External Transfers$0Within the typical range ($0–$9.95 nationally)
$2.50 below the national medianAt the Montana median
Source
Online/Digital Banking/Mobile Deposit$0Within the typical range ($0–$0 nationally)
At the national median
Source

Cash & DepositVerified

Returned Deposit Item (domestic)$5Below the typical range ($8–$25 nationally)
$10 below the national median$5 below the Montana median
per item · Source
Returned Deposit Item (foreign)$25Within the typical range ($8–$25 nationally)
$10 above the national median$15 above the Montana median
per item · Source

Account ServicesVerified

Safe Deposit Box 10 x 10$75Above the typical range ($30–$70 nationally)
$30 above the national median$51.25 above the Montana median
Source
Safe Deposit Box 3 x 10$40Within the typical range ($30–$70 nationally)
$5 below the national median$16.25 above the Montana median
Source
Safe Deposit Box 3 x 5$20Below the typical range ($30–$70 nationally)
$25 below the national median$3.75 below the Montana median
Source
Safe Deposit Box 4 x 10$45Within the typical range ($30–$70 nationally)
At the national median$21.25 above the Montana median
Source
Safe Deposit Box 4 x 5$30Within the typical range ($30–$70 nationally)
$15 below the national median$6.25 above the Montana median
Source
Safe Deposit Box 5 x 10$50Within the typical range ($30–$70 nationally)
$5 above the national median$26.25 above the Montana median
Source
Safe Deposit Box Late Fee$10Below the typical range ($30–$70 nationally)
$35 below the national median$13.75 below the Montana median
Source
Garnishment/Levy$50Within the typical range ($30–$87.50 nationally)
At the national median$25 below the Montana median
per item · Source

Swipe for source and notes →

Fee	Amount	vs medians	Basis	Note	Source
Account MaintenanceVerified
Minimum Balance Requirement To Avoid Monthly Maintenance Fee	$0Below the typical range ($4–$10 nationally)	$6 below the national median$5 below the Montana median	per month	—	Source
Monthly maintenance fee	$6Within the typical range ($4–$10 nationally)	At the national median$1 above the Montana median	per month	—	Source
Low Balance Fee	$5Within the typical range ($5–$10 nationally)	$2 below the national median	per month	—	Source
Low Balance Fee (Money Market Savings)	$10Within the typical range ($5–$10 nationally)	$3 above the national median	per month	—	Source
Early Account Closure (within 90 days)	$15Within the typical range ($10–$25 nationally)	$2.50 below the national medianAt the Montana median	—	—	Source
Dormant Account	$5Within the typical range ($5–$10 nationally)	At the national medianAt the Montana median	per month	—	Source
Account Reconciliation (1hr minimum)	$25Within the typical range ($12–$25 nationally)	$7.50 above the national median$7.50 above the Montana median	—	—	Source
Paper Statement (free with some account types)	$2Within the typical range ($2–$4.93 nationally)	$1 below the national median$1 below the Montana median	per month	—	Source
Overdraft & NSFVerified
Overdraft Fee	$33Within the typical range ($25–$33 nationally)	$3 above the national median$3 above the Montana median	per item	—	Source
Returned Item Fee (your item returned unpaid)	$33
ATM & CardVerified
ATM Withdrawal Fee	$2Within the typical range ($1–$2.25 nationally)	$0.50 above the national medianAt the Montana median	—	—	Source
Replacement of Lost Debit Card	$10
Wire TransfersVerified
Domestic Wire Reprocessing	$10Below the typical range ($20–$25 nationally)	$15 below the national median$10 below the Montana median	per item	—	Source
Outgoing Domestic Wire	$25
Check ServicesVerified
Cashier's Check	$5Within the typical range ($3–$6 nationally)	At the national median$2 above the Montana median	per item	—	Source
Money Order	$3
Digital & ElectronicVerified
Online Bill Pay/Online External Transfers	$0Within the typical range ($0–$9.95 nationally)	$2.50 below the national medianAt the Montana median	—	—	Source
Online/Digital Banking/Mobile Deposit	$0
Cash & DepositVerified
Returned Deposit Item (domestic)	$5Below the typical range ($8–$25 nationally)	$10 below the national median$5 below the Montana median	per item	—	Source
Returned Deposit Item (foreign)	$25
Account ServicesVerified
Safe Deposit Box 10 x 10	$75Above the typical range ($30–$70 nationally)	$30 above the national median$51.25 above the Montana median	—	—	Source
Safe Deposit Box 3 x 10	$40
Retirement & IRAVerified
IRA/HSA Transfer Out/Rollover	$25Within the typical range ($25–$35 nationally)	At the national medianAt the Montana median	—	—	Source
Gift & Prepaid CardsVerified
Visa Gift Card	$3Within the typical range ($3–$4.95 nationally)	$0.50 below the national median$1.50 below the Montana median	per item	—	Source
Other FeesVerified
Interim Statement	$2Within the typical range ($2–$5 nationally)	$1 below the national median$0.31 below the Montana median	per item	—	Source

Against Minneapolis Fed district banks

Its state has too few comparable institutions, so these are its Fed district peers.

Overdraft
$33.00
Of 62 others that publish it, 51 lower, 3 the same and 8 higher.
Monthly maintenance
$3.00
Of 58 others that publish it, 5 lower, 2 the same and 51 higher.

See every headline fee against its local competitors

Fee change alerts

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Headline fees vs. national median

How the headline fees compare

Each figure below is the published fee set against the national median. The commissioned report benchmarks every fee against a verified peer set instead.

Overdraft

$33

Overdraft fee: $33

10% above the national median overdraft fee

38 verified fees collected

Headline fees published

13 of 15

Published fees

Under review

Assets

$530.3M

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Financial Context

Size and fee revenue

Financials as of Q2 2026 · FDIC call report

Total assets

$530.3M

Total deposits

$437.9M

Service charge income

$169K

Fee income ratio

2.9%

Return on assets

1.15%

Branches

Service charge income by quarter

Q2 2026$169K

Q1 2026$172K

Q4 2025$184K

Q3 2025$195K

Financial profile · Pro

Performance from regulator filings

Up to 16 years of call-report history with growth, peer rank and outliers, deposit mix and capital, branch footprint, consumer complaints, enforcement actions, and SEC filings

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Based on 65,408 published fee entries from 3,595 institutions

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