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 have paper checks, your account number is printed at the bottom. It's the second set of numbers (after the routing number).
• 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.

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. Our IB staff is always ready to help you. If you would like to reorder your checks over the phone or in person, please give us a call or stop in at any of our branch locations. 

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.

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.

Independence Bank online banking is easy! Submit the simple enrollment form to help us setup your online banking. You'll be managing your accounts online in no time! If you need assistance or have any questions, give us a call at 1-800-750-1681. Already enrolled? Click the Login Tab on the left side of your screen to go to the main page, and Login at the top of the screen.

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. 

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.

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.

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.  

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. 

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.