FAQs

Independence Bank proudly serves the Hi-Line region in northeastern and northcentral Montana. Our main office is located in Havre, Montana. Our 11 locations include: Havre, Scobey, Poplar, Glasgow, Malta, Conrad, Shelby, Great Falls, Wolf Point, Plentywood, and Helena (LPO/DPO). 

For your convenience, we have provided links to all of our online applications on our Online Applications page. The links are also provided below:

Consumer

• Home Loans & HELOC
• Auto Loans
• Personal Loans

Business

• Agriculture Loans
• Commercial/Business Loans
• KOA Kampground Purchase Loan
• KOA Kampground Refi Loan

Checking

• Freedom Checking
• VIP Checking
• Heritage Benefits

Savings

• Regular Savings Account
• VIP Savings Account
• Premier Savings Account

If you're enrolled in Independence Bank's online banking: Log in to your account, Go to your account summary, Click on the specific account, Select “Account Details”, Click “Show Account Number”.

Call Customer Support: eBanking Support (800-750-1681) or General Support (800-823-2274)

The routing number for Independence Bank is 092901340.

There are multiple ways to reorder checks. You can reorder checks by phone or in person at any Independence Bank location.  The process is simple and you will receive your checks in 7-10 business days. If you have Heritage Benefits, please provide valid ID to bank representatives. Checks must be ordered by calling or stopping into your local branch. Benefit does not apply to online check orders or reorders. Our IB staff is always ready to help you.

You can go in person to any of their 11 Montana locations. A bank representative can help you update your address on file, call customer support, or if you are enrolled in online banking, update your address through the account dashboard.  

We have 37 conveniently located ATMs ready to help! For a full listing of our ATM locations, please visit our Locations & Hours page.   

You’ll need a valid ID, Social Security Number/Tax Payer ID, proof of address, and a completed application. You can apply online or in person at any of our 11 branch locations across Montana. 

Yes, it's a good idea to notify Independence Bank and your card company before traveling—especially if you're going internationally or making purchases outside your usual area. You can call your local branch, use the mobile or online banking app to submit a travel notice, and update your contact information so they can reach out to you if needed. Even if not required, updating your contact info and enabling account alerts is highly recommended to keep your account safe.

Hours may vary by branch location. It is best to check our Locations & Hours page for more detailed hours, or by calling your local branch. Holiday schedules may affect regular business hours. 

Please check our Holiday Schedule for a full listing of holiday dates that we are closed. We apologize for any inconvenience this may cause! 

No appointment is required—you can bring your completed switch-kit with ID, SSN, address, etc.) directly to the branch during regular business hours. Our friendly staff will help you open your account! 

To find your local Independence Bank mailing address, please visit our Locations and Hours page. We have a full listing of all of our conveniently located branches and ATMs!

Our drive-thru hours vary by branch location. Please visit our Location & Hours page for more details on your specific branch and lobby/branch hours. 

We provide a diverse selection of checking and savings accounts tailored for both personal and business needs. Our offerings also include loans and mortgages—covering personal, agricultural, and commercial options—as well as credit cards and online banking services. Additionally, we offer various supplementary services, such as safe deposit boxes, cashier's checks, wire transfers, and money orders. For further details, feel free to explore other sections of our website or contact your nearest Independence Bank branch.

The minimum daily balance depends on the checking account that is right for you! Our Freedom Checking has no minimum daily balance, whereas our VIP Checking (premium interest rates on a tiered rate schedule) account has a minimum daily balance of $750. For more information on our Personal Checking account options, visit our Personal Checking page. 

The minimum daily balance depends on the savings account that is right for you!

• Regular Savings Account has a $25 minimum opening balance.

• VIP Savings Account (competitive interest rates on a tiered rate schedule) has a minimum average daily balance of $5,000 to obtain the disclosed annual percentage yield.

• Premier Savings Account (premium savings account rewards balanced with higher interest rates) has a $25,000 average daily balance to obtain the disclosed annual percentage yield.

For more information on our Personal Savings account options, visit our Personal Savings page. 

Zelle® is a convenient way to send and receive money with friends, family and others you trust. Whether you're splitting the cost of a meal, gift, or trip, Zelle® makes it easy to pay your share. Over 100 million people are enrolled with Zelle®, so you can send money to friends and family even if they don't bank at Independence Bank.*

* To send or receive money with Zelle®, both parties must have an eligible checking or savings account. Transactions between enrolled users typically occur in minutes.

To enroll with Zelle® and to start sending and receiving money, follow these 3 simple steps:

1. Log into the Independence Bank MT app. 
2. In the main menu, select "Transfer and Pay". Then "Send money with Zelle®".
3. Enroll your email address or U.S. mobile number.  

For more information on Zelle® and how to use this feature, visit the Zelle® page on our website.

Log in online or via mobile to view real-time balances, transactions, check images, and deposit slips. 

You can find your account number by logging into your online banking account or calling your local branch and verifying your identity. The main routing number is 092901340, but you can always contact your local Independence Bank branch location for confirmation. 

Funds are available based on deposit type; checks may hold until clearing. If a card fails after deposit, the hold might still be in place. Call your local branch to clarify and for more information. 

Download the Independence Bank App on your smartphone or tablet to easily manage your accounts. With the app, you can:

• View account information
• Pay bills
• Transfer funds
• Make deposits

Apple users: Download from the App Store

Samsung/Android users: Download from Google Play

Yes. With the Independence Bank Mobile App, you can deposit checks anytime, anywhere using your smartphone or tablet. Mobile Deposit is fast, secure, and free for our customers.

How does it work?

1. Log in to the Independence Bank Mobile App.
2. Select Mobile Deposit from the menu.
3. Enter the check amount and take clear photos of the front and back of the check.
4. Endorse the check with your signature and write “For Mobile Deposit Only”.
5. Submit your deposit and keep the check until funds are posted (usually within 1–2 business days).

Most domestic checks are accepted. Money orders, foreign checks, and third-party checks are not eligible. There is not a fee for mobile deposit. It is free for Independence Bank customers.

Limits vary by account—call your branch or our Debit Card Specialist to discuss a raise to your daily limit. 

Check available funds, ensure it's activated, and call our Debit Card Specialist immediately. 

Cards are typically issued at your local branch. Whether you are opening an account and need a debit card, or you have to replace a lost one, we can get a new card in your hands instantly. You will have your new debit card in minutes with Independence Bank's Instant Issue Service. 

Yes, our after-hours debit card fraud call center is legitimate. For more information on our customer service options, please visit our Contact Us page.

Our School Spirit Debit Cards are available with our Instant Issue service.  Replace your current debit card, or open a new checking account with IB, and select the participating school you would like to support. Independence Bank will donate up to 5¢ for each transaction you make using your debit card to the school represented on your card.

All of our IB branches are able to print debit cards in-house and on-demand. No more waiting for a new card. Convenience is key with Instant Issue! Stop into your local branch any time and walk out with an activated debit card in your hand.

During Business Hours: Click the Contact Us to find the nearest Independence Bank Branch to you!

After Regular Business Hours: Please call our toll-free number 800.823.2274.

Independence Bank online banking is easy! Submit the simple enrollment form to help us setup your online banking. If you need assistance or have any questions, give us a call at 1-800-750-1681. Already enrolled? Click the Login tab at the top right of your screen. From the dropdown menu, select and sign in to either your Online Banking or IBCorp Business account to access your dashboard.

Yes, there is a mobile app. Download the IB App to your smartphone or tablet and immediately access your account information, pay your bills, transfer funds, or even make a deposit. 

Apple App Store

Google Play Store

If you have not enrolled in Online Banking, submit the simple enrollment form to help us set up your onlne banking. You'll be receiving your eStatements in your inbox in no time! If you are already an Online Banking customer, sign into Online Banking and follow these steps:

1. Click on "Profile" in the top right corner.
2. Once inside the Profile page, scroll down to the "Electronic Statements" section.
3. Click "Edit" to enroll your accounts in eStatements.

For more information on eStatements, visit our eStatements page on our website.

Are you needing help with your online banking? Look no further than our Electronic Banking Specialist! With in-depth knowledge of the intricacies of all the online banking products and in the event of an error, our eBanking Specialist has a deep knowledge base that will promote a much quicker and more efficient response to your needs. You can also use the "forgot password" option; IB will email or call with reset instructions prompty. 

Yes, Mobile Check Deposit allows you to deposit checks from your mobile phone anywhere and anytime. This service takes convenience to a new level and gets your money into your account faster. Below are a few tips for successful mobile check deposit. 

Checks must be endorsed with: 

1) Account Number, 2) Signature, and 3) Please write "For Deposit Only."
Business account holders should also add the name of the entity on the account. Please keep your paper check until the funds are posted to your account. Funds are normally received within two business days.

For more information, please see our instructional video on using Mobile Deposit. 

Yes, your online security is important to us. Independence Bank is proud to deliver the highest level of security for our online banking customers. To learn more about our enhanced personal security system, please visit our Online Privacy Notice page for more details. 

Yes, use the IB Learning Center tab for instructional videos and click through demonstrations to get educated. You can also always reach out to our eBanking Specialist for help. 

If you suspect fraud on your account, call your local branch and inform them on your current situation or call one of the numbers below. Never give out any personal information.  

Independence Bank Visa® Debit/ATM Card

Business Hours: 800.823.2274 | After Hours: 800.472.3272

Independence Bank Visa® Credit Card

Business Hours: 800.823.2274 | After Hours: 800.423.7503

Lost/Stolen: 800.325.3678 | Fraudulent Activity: 800.600.5249

Checks

Business Hours: 800.823.2274

eBanking

Compromised Credentials: 800.750.1681

Use strong passwords, enable alerts, avoid public Wi-Fi, and monitor your accounts regularly. Using multi-factor authentication (MFA) is another great way to help protect your personal information. 

For your security, Independence Bank recommends that you periodically change your passwords and PINs. It is also recommended that for each site accessed requiring a password or PIN, you select a password or PIN unique to that site.

Your online security is important to us. Independence Bank is proud to deliver the highest level of security for our online banking customers.

To protect your personal information from unauthorized access and use, we use security measures that comply with federal law. These measures include computer safeguards and secured files and buildings.
We also maintain physical, electronic and procedural safeguards to protect this information and we limit access to information to those employees for whom access is appropriate. For more information, visit our websites Privacy Policy. 

To report a lost or stolen debit card, please contact your nearest Independence Bank branch right away. A representative will assist you promptly. Alternatively, you can call 800.823.2274 during business hours, or reach out to 800.472.3272 after hours.

Look no further than our Electronic Banking Specialist! With in-depth knowledge of the intricacies of all the online banking products and in the event of an error, our eBanking Specialist has a deep knowledge base that will promote a much quicker and more efficient response to your needs. Help Line: 800.750.1681.

In order to process your loan application as quickly as possible we have compiled a checklist of the documents and information that the borrower and the co-borrower(s) can compile to complete the loan application faster. We may require additional information and documentation depending on the circumstances of your loan.

Our IB Home Team staff packaged the tips for prepping for and applying for a home loan. Watch the short Mortgage Monday video on our YouTube channel for more information and a smooth process.

To get a loan you must be 18 years of age. For more information on loans, please contact your local Independence Bank branch. 

Contact your local Independence Bank lender to learn more about loans and get the process started! 

A collateral requirement is the amount of valuable assets that a borrower must pledge as security for a loan, providing lenders with a safeguard against default. 

For current CD rates, please contact your local Independence Bank branch. Our friendly staff is happy to help answer any questions! 

Our credit card interest rates vary based on several factors. For detailed information about current rates and terms, please contact your local branch location or visit our Visa® Credit Card page for more information. 

Our exchange rates may vary based on market conditions. For the most accurate and current rates, please check with your local Independence Bank branch location.  

Cash transactions will be rounded to the nearest 5¢ using symmetrical rounding:

End digits 1, 2, 6, 7 → round down

End digits 3, 4, 8, 9 → round up
Electronic payments aren’t affected. Sales tax is still calculated to the nearest penny; states may update laws accordingly.

Yes. Accept pennies and give penny change while they’re in circulation. If pennies aren’t available, round cash totals to the nearest 5¢. Non-cash payments should remain exact to the cent. Apply rounding fairly and consistently.

As is the case now, businesses can set their own refund policies. However, if a refund is paid in cash and pennies are not used, businesses should round the final amount in a fair and transparent manner. 

Businesses may continue to deposit pennies at their financial institutions. Pennies will continue to be legal tender and retain their nominal value in perpetuity.   

Yes, the penny will retain its full monetary value indefinitely. It will continue to be recognized as legal tender, allowing consumers to use pennies for cash transactions at businesses that choose to accept them, even after new pennies are no longer produced and distributed. However, as pennies gradually phase out of circulation, Point of Sale (POS) system providers are encouraged to collaborate closely with retailers to implement rounding functionality for cash transactions, round to the nearest five cents. 

Consumers may continue to deposit pennies at their financial institutions. For deposit of larger quantities, some banks may require that coins be rolled or wrapped prior to deposit. It is recommended that consumers consult their bank in advance to confirm specific guidelines and ensure a smooth deposit process.

Yes, if you're interested in a position, you can also submit your resume for the position you are interested in. Please email your resume to Andyc@ibyourbank.com or Beckym@ibyourbank.com.

We keep employment applications and resumes for twelve months. 

If you see a position you are interested in after that time on our Career Opportunities page, please resubmit your resume.

For a full listing of available job opportunities across our Independence Bank branch locations, please visit our Career Opportunities page on the website. We have a full listing of available jobs at each of our locations!