Other Agreements and Disclosures

The information and materials contained on the site are intended solely for the personal use of Website users. You may not copy (other than for personal use), modify, distribute, transmit, display, perform, reproduce, transfer, resell or republish any of the contents of this Site without prior written consent of First Montana Bank, which may be withheld in its sole discretion.

First Montana Bank uses reasonable efforts to include accurate, complete and current information on this Site, however, First Montana does not warrant that the content herein is accurate, complete, current or free of technical or typographical errors.

The products or services described on the Site may not be available in all areas. In addition, you may not be eligible for all the products and services described herein. By offering information, products or services via the Site, no solicitation is made by First Montana Bank to any person to use such information, products or services in jurisdictions where the provision of such products or services is prohibited by law.

COPPA (Children's Online Privacy Protection Act)

We recognize that protecting children's identities and privacy is important. We comply with the practices established under the Children's Online Privacy Protection Act. We do not knowingly market to or solicit information from children under 13 without parental consent.

Link to Third-Parties

Links to third-party web sites on the Site are provided solely as a feature to you. First Montana Bank is not endorsing or guaranteeing the products, information or recommendations provided by linked websites. The Bank is not liable for any failure of products or services advertised on linked websites. Each third- party website may have a different privacy policy than that of the Bank. A linked third-party website may provide less security than the Bank's site. It is up to you to take precautions to ensure that whatever you select for your use is free of such items as viruses or other items of a destructive nature.

USA Patriot Act

To help the government fight the funding of terrorism and money laundering activities, the USA Patriot Act requires all financial institutions to obtain, verify and record information that identifies each person (including business entities) who opens an account. When you open an account we will ask for your name, physical address, date of birth, tax payer identification number and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.

Check 21

The goal of the federal government in creating Check 21 was both to improve efficiency of the nation's payment system and make it less susceptible to natural disasters and acts of terrorism. The Check 21 Act is a law that allows for the creation of a document called a "substitute check." A substitute check can be used for proof of payment or for any reason that might require the use of the original check. It is the legal equivalent of your original check.

If you receive images with your statement, you may see a combination of original check images and substitute check images. In addition, if by chance a check is returned to you for any reason, a substitute check might be provided in place of the original.

Funds Availability Policy

Our general policy is to allow you to withdraw funds deposited in your account on the first business day after the day we receive your deposit. Funds from electronic direct deposits will be available on the day we receive the deposit. In some cases, we may delay your ability to withdraw funds beyond the first business day. Then, the funds will generally be available by the second business day after the deposit.