First Montana Bank, Inc.

Headquarters: Missoula, Montana
Charter: Bank
Assets: $530.3M
Fed district: Minneapolis

26 published fees; none has a market median to compare yet.

Source: its fee schedule, read Oct 6, 2026.

Explore Hamilton View published fees

Fees against the market

Comparison with U.S. medians for fees published by banks and credit unions.

Monthly Maintenance
First Montana Bank, Inc.: $6
First Montana Bank, Inc.: $6
U.S. median: no median
Overdraft (OD)
First Montana Bank, Inc.: $33
First Montana Bank, Inc.: $33
U.S. median: no median
NSF / Returned Item
First Montana Bank, Inc.: $33
First Montana Bank, Inc.: $33
U.S. median: no median

A blank median means fewer than 5 publish the fee.

Published schedulesBanks and credit unionsRead Oct 6, 2026View sources

Each amount links to the fee schedule it was read from. Medians for Montana, the Minneapolis district and the U.S.: Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

Compared at: The value this page compares: its one price, or the middle of its prices when it lists several (the highest, its standard fee, for overdraft).
Same rules: Its fees and every median use the same rules. Business-only fees are left out. So are CD, IRA, card inactivity, box drilling and key fees filed under a fee they don’t match, and fees charged by a different period than the median (a quarterly fee beside monthly ones).
Montana: Banks and credit unions headquartered in Montana that publish the fee.
Minneapolis district: Banks and credit unions headquartered in the Minneapolis Fed district that publish the fee.
U.S.: Banks and credit unions across the Bank Fee Index that publish the fee.
About the same: Within 1% of the median.
Account: Fees not tied to a named account apply across its personal accounts.

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Published fee schedule

Amounts from First Montana Bank, Inc.’s own schedules, with a source for each figure.

Account Maintenance

Monthly maintenance fee$6
per month
Low Balance Fee$5
per month
Low Balance Fee (Money Market Savings)$10
per month
Early Account Closure (within 90 days)$15
Dormant Account$5
per month
Account Reconciliation (1hr minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Account Research (1hr minimum)$25
Not compared: Charged per hour; comparison unavailable
per hour
Paper Statement (free with some account types)$2
per month

Overdraft & NSF

Overdraft Fee$33
per item
Returned Item Fee (your item returned unpaid)$33
per item

ATM & Card

ATM Withdrawal Fee$2
Replacement of Lost Debit Card$10
per item

Wire Transfers

Domestic Wire Reprocessing$10
per item
Outgoing Domestic Wire$25
per item
Incoming Domestic Wire$10
per item
Outgoing Foreign Wire$50
per item
Incoming Foreign Wire$40
per item

Check Services

Cashier's Check$5
per item
Money Order$3
per item
Stop Payment$33
per item
Counter Check$0.50
per item
Non-Customer Check Cashing (audience not stated, treated as personal)1%
Collection Items$33
per item
Check Copies$1
Not compared: Charged per page; comparison unavailable
per page

Digital & Electronic

Online Bill Pay/Online External TransfersNo charge
Online/Digital Banking/Mobile DepositNo charge

Cash & Deposit

Returned Deposit Item (domestic)$5
per item
Returned Deposit Item (foreign)$25
per item

Account Services

Safe Deposit Box 10 x 10$75
per year
Safe Deposit Box 3 x 10$40
per year
Safe Deposit Box 3 x 5$20
per year
Safe Deposit Box 4 x 10$45
per year
Safe Deposit Box 4 x 5$30
per year
Safe Deposit Box 5 x 10$50
per year
Safe Deposit Box 5 x 5$30
per year
Safe Deposit Box Late Fee$10
Not compared: Box drilling or key fee
Garnishment/Levy$50
per item

Retirement & IRA

IRA/HSA Transfer Out/Rollover$25

Gift & Prepaid Cards

Visa Gift Card$3
per item

Other Fees

Interim Statement$2
per item

Fee	Amount	Basis	Note
Account Maintenance
Monthly maintenance fee	$6	per month	None
Low Balance Fee	$5	per month	None
Low Balance Fee (Money Market Savings)	$10	per month	None
Early Account Closure (within 90 days)	$15	Not stated	None
Dormant Account	$5	per month	None
Account Reconciliation (1hr minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Account Research (1hr minimum)	$25Not compared: Charged per hour; comparison unavailable	per hour	None
Paper Statement (free with some account types)	$2	per month	None
Overdraft & NSF
Overdraft Fee	$33	per item	None
Returned Item Fee (your item returned unpaid)	$33	per item	None
ATM & Card
ATM Withdrawal Fee	$2	Not stated	None
Replacement of Lost Debit Card	$10	per item	None
Wire Transfers
Domestic Wire Reprocessing	$10	per item	None
Outgoing Domestic Wire	$25	per item	None
Incoming Domestic Wire	$10	per item	None
Outgoing Foreign Wire	$50	per item	None
Incoming Foreign Wire	$40	per item	None
Check Services
Cashier's Check	$5	per item	None
Money Order	$3	per item	None
Stop Payment	$33	per item	None
Counter Check	$0.50	per item	None
Non-Customer Check Cashing (audience not stated, treated as personal)	1%	Not stated	None
Collection Items	$33	per item	None
Check Copies	$1Not compared: Charged per page; comparison unavailable	per page	None
Digital & Electronic
Online Bill Pay/Online External Transfers	No charge	Not stated	None
Online/Digital Banking/Mobile Deposit	No charge	Not stated	None
Cash & Deposit
Returned Deposit Item (domestic)	$5	per item	None
Returned Deposit Item (foreign)	$25	per item	None
Account Services
Safe Deposit Box 10 x 10	$75	per year	None
Safe Deposit Box 3 x 10	$40	per year	None
Safe Deposit Box 3 x 5	$20	per year	None
Safe Deposit Box 4 x 10	$45	per year	None
Safe Deposit Box 4 x 5	$30	per year	None
Safe Deposit Box 5 x 10	$50	per year	None
Safe Deposit Box 5 x 5	$30	per year	None
Safe Deposit Box Late Fee	$10Not compared: Box drilling or key fee	Not stated	None
Garnishment/Levy	$50	per item	None
Retirement & IRA
IRA/HSA Transfer Out/Rollover	$25	Not stated	None
Gift & Prepaid Cards
Visa Gift Card	$3	per item	None
Other Fees
Interim Statement	$2	per item	None

Audience not stated on the bank’s schedule; treated as personal. Fees may differ for business or commercial accounts. How audience is decided

Correct a fee source

Oct 6, 2026 data snapshot. Each amount links to its fee schedule. The U.S. comparison is the middle 50% of Bank Fee Index published fees, shown where at least 5 institutions publish the fee.

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