View Conversion Guide - First Interstate Bank

Transcription

WELCOME TO FIRST INTERSTATE BANK
→ TABLE OF CONTENTS
FIRST INTERSTATE BANK CONVERSION GUIDE
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Frequently Asked Questions
Your New Checking and Savings Accounts
Overdraft Protection
Debit Cards
Credit Cards
Your New Personal CDs and IRAs
Personal Online and Mobile Banking
Business Online and Mobile Banking
Additional Cash Management Services
Personal and Business Loans
Additional Products and Services
Our Commitment to Community
Fee Schedule
Locations
Pages 2 & 3
Pages 4 - 9
Pages 10 & 11
Pages 12 - 14
Page 15
Page 16
Pages 17 & 18
Pages 19 & 20
Pages 21 & 22
Page 23
Pages 24 & 25
Page 26
Page 27
Pages 28 & 29
FIRST INTERSTATE BANK — Conversion Guide
1
WELCOME ←
WELCOME TO FIRST INTERSTATE BANK
First Interstate Bank has been serving the financial needs of our personal and business customers for over 40 years. As a
recognized leader in community banking services, First Interstate is driven by strong family and corporate values as well
as a commitment to providing exemplary customer service, exceeding customer expectations through our products and
services, and supporting, with leadership and resources, the communities we serve. We are proud to operate more than
70 banking offices, along with online and mobile banking services, throughout Montana, Wyoming, and South Dakota.
In This Guide
To help ease your transition from Mountain West Bank to First Interstate Bank, you will find in this guide
information regarding:
• Your new First Interstate Bank accounts as they compare to your Mountain West accounts.
• Specific information on the conversion of CDs, loans, checking accounts, savings accounts, ATM cards, debit cards,
and more. Just look for the appropriate product heading to learn more.
• Terms and conditions of your accounts (detailed in the enclosed “Your Deposit Account” booklet) and other
important facts and service fees.
• Products and services that are now available to you as part of the First Interstate family.
What Will Happen to Your Accounts
Your Mountain West Bank accounts will automatically be converted to First Interstate Bank accounts after the close of
business on Friday, October 17, 2014, through Sunday, October 19, 2014. In most cases, this change will be automatic—
you will not have to do anything. There are some accounts and products for which you will receive additional materials
in the mail. These additional mailings are identified in this guide so that you may anticipate their arrival.
Want to Change Your Account? No Problem!
If you have a Mountain West checking and/or savings account, a First Interstate Bank checking and/or savings account
with similar features has been selected for you. If you would like a different checking and/or savings account than the one
we pre-selected, you can change to an account of your choosing starting October 20, 2014. Simply stop by any
First Interstate Bank branch and we will assist you.
Questions?
This account conversion guide has been developed to answer questions you may have regarding the conversion of your
Mountain West Bank accounts to First Interstate Bank. If you have any additional questions, please visit your local
First Interstate Bank branch or call our special customer service hotline at 1-888-833-3451, Monday – Friday from
7:30am to 6pm.
2
→ FREQUENTLY ASKED QUESTIONS
FREQUENTLY ASKED QUESTIONS
If you don’t find the answers to your particular questions here or in
the Products and Services section in this guide, stop by your local
branch office of First Interstate Bank or call 1-888-833-3451.
We’re available to answer your questions.
I’m not familiar with First
Interstate; can you tell me
more about the company?
First Interstate Bank is an $8 billion
community banking organization
headquartered in Billings, Montana.
With more than 70 branches
throughout Montana, Wyoming,
and South Dakota, we have grown
our business through a long-term,
disciplined perspective that emphasizes
our commitment to providing highquality financial products and services,
and delivering exceptional customer
service. We also believe strongly in
assisting our communities through
socially responsible leadership as well
as cultivating a strong and positive
corporate culture. We intend to remain
a leader in our markets by continuing
to adhere to these core principles and
values that have contributed to our
growth and success.
Will my account numbers
change?
Other than a few exceptions, your
checking, CD, IRA, savings account,
and loan numbers will not change. If
your account is one that will require
the account number to change, you
will be notified in a separate mailing.
Do I use the same checks I
have now?
Yes, you can continue using your
current Mountain West checks until
they are gone, even after October
17, 2014. All new check orders
made after that date should have
First Interstate’s name and routing
number (092901683). Please feel free
to contact any First Interstate Bank
branch and we will assist you with your
new check order. If you order your
checks through another vendor, you
will need to give them your updated
information.
Will I continue to receive my
deposit statements as usual?
You will receive a final deposit account
summary from Mountain West
Bank for all transactions through
October 17, 2014. You will receive
deposit account statements from First
Interstate for transactions and balances
within the first 30 days after October
20, 2014.
Will fees and service charges
change?
There may be some changes to the
terms and conditions governing your
account. We have selected the First
Interstate account that is most similar
to the one you currently have with
Mountain West. You may find that
some fees and charges will change,
while others may stay the same. We
have highlighted how each account
works in the pages that follow. Please
review the enclosed “Your Deposit
Account” booklet as well as the Fee
Schedule on page 27 for important
information concerning your accounts.
Will rates on my CDs and
IRAs change?
You will continue to earn the interest
rate guaranteed on your CD and/or
IRA when you opened your account at
Mountain West, or at its last renewal,
for the remainder of the account term.
Upon maturity, CDs and IRAs may
be renewed at First Interstate Bank’s
current market rates in effect on that
date, unless otherwise notified.
How will this transition
affect direct deposits to my
account, such as pension
and social security?
Direct deposits and direct debits will
continue to post to your account(s).
First Interstate Bank will notify
the originators of the new routing
3
FREQUENTLY ASKED QUESTIONS continued ←
number. Government originators
are quick to revise this type of data.
Unfortunately, others do not always
revise the information when notified.
If we cannot get the originator to make
the revisions we request, you may need
to contact those parties.
Does FDIC insurance still apply?
Yes, your deposits at First Interstate Bank
are FDIC insured to at least $250,000
per account holder ($250,000 per IRA
plan). Customers who have questions
about the $250,000 FDIC limit should
contact their local First Interstate Bank
branch.
What about my Mountain
West Bank debit and ATM
cards; can I still use them?
Yes, you can continue to use your
Mountain West Bank debit and ATM
cards through midnight on Sunday,
October 19, 2014. If you have a
Mountain West debit and/or ATM
card, you will receive a new First
Interstate debit and/or ATM card on
or before October 6, 2014. You will
be able to start using your new First
Interstate Bank card on Monday,
October 20, 2014. At that time, we
suggest you immediately destroy your
old Mountain West debit and/or ATM
card. If you have any pre-authorized
charges tied to your Mountain West
Bank debit card, you will need to
inform all appropriate parties of your
new First Interstate Bank debit card
number.
Where do I send my
loan payments after the
conversion?
Beginning October 20, 2014, loan
payments can be made at any First
Interstate Bank location or by mail. If
you have a Mountain West payment
booklet, continue to use those payment
coupons. Send your payment to:
First Interstate Bank
P.O. Box 31295
Billings, MT 59107-1295
Can I still access my accounts
by phone?
Yes. Beginning October 20, 2014, you
can utilize First Interstate’s free 24hour Day & Night Telephone Banking
service by calling 1-888-752-3341.
If you currently utilize Telephone
Banking at Mountain West, you will
be automatically enrolled in First
Interstate’s Day & Night Telephone
Banking. For these customers, the
last four digits of your Social Security
Number will be your passcode to use
First Interstate’s Telephone Banking
I currently bank online with
Mountain West. Do I have to
change anything to continue
with this service?
You will automatically be set up
with a new online banking profile
with First Interstate Bank. For more
information, please see the Personal
Online and Mobile Banking section
of this guide on page 17. If you are a
Business Online Banking user, please
see page 19.
Will I still be able to access
my Mountain West Bank history
in online banking?
Mountain West online customers will
be able to access their Mountain West
transaction history via mtnwestbank.com
through March 31, 2015.
Do I have to do anything with
my safe deposit box?
If you currently have a safe deposit
box at Mountain West Bank, you
will have a safe deposit box when the
transition to First Interstate Bank
occurs. However, there may be some
changes as a result of the conversion.
Some boxes will be moved to new
locations; others will remain the same.
Safe deposit box holders will receive a
separate communication with specific
details, including any required action,
regarding their safe deposit box.
When will the offices be open
and what will be the hours?
First Interstate Bank has over 70 banking
locations throughout Montana, Wyoming,
and South Dakota. For a complete listing of
locations and hours, please visit our website,
firstinterstate.com.
If I still have more questions,
is there anyone I can talk to?
Of course! Visit one of our local
First Interstate locations, and our
employees can assist you in person.
Or, you can call our special customer
support hotline at 1-888-833-3451,
Monday – Friday, 7:30am to 6pm.
What will happen to the
Summit Club?
First Interstate understands the special
relationship Mountain West has with
its Summit Club members. At First
Interstate, members will enjoy even
better banking benefits, as well as the
continued opportunity to participate
in community, social, and educational
events hosted by the bank.
4
→ CHECKING & SAVINGS
YOUR NEW CHECKING AND SAVINGS ACCOUNTS
Your Mountain West Bank personal or business checking and
savings account will automatically be converted to a similar
First Interstate Bank checking or savings account on
Monday, October 20, 2014.
How We Selected Your New Checking or Savings Account
For purposes of this conversion, we have selected a First Interstate Bank checking or savings account for you based on the
similarity of your current Mountain West Bank checking or savings account.
BUSINESS CHECKING ACCOUNTS
Mountain West Accounts
First Interstate Bank Accounts
Regular Peak Business
Business Checking
Peak Interest Plus
Basic Business Checking with Interest
Non-Profit Treasury Plus Checking
Community Benefit Organization Checking
Peak Free Business Checking
Basic Business Checking (item fees will be waived)
IOLTA Accounts
IOLTA Account
REPO
REPO Account
BUSINESS SAVINGS ACCOUNTS
Business Peak Savings
Business Regular Savings
Business Treasury Plus Money Market Savings
Business Market Interest Savings
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CHECKING & SAVINGS continued ←
PERSONAL CHECKING ACCOUNTS
Mountain West Accounts
First Interstate Bank Accounts
Basic Checking
Regular Checking
Traditional Checking
Regular Checking
Select Checking
Regular Checking
Premium Checking
Preferred Checking
Treasury Plus Checking
MarketManager Checking
E-Plus Checking
Regular Checking
Summit Club Checking
Preferred Checking (maintenance fee will be waived)
Front Range Free Checking
Free Checking
PERSONAL SAVINGS ACCOUNTS
Health Savings Account
Health Savings Account
MSA Checking
Montana Medical Savings Account
Tiered Savings Account
Regular Savings
Christmas Club
Christmas Club
Money Market Account
Market Interest Savings
Peak Money Market
Market Interest Savings
Quarterly Savings Account
Regular Savings
Savings Transfer (NOW) Savings Account
Regular Savings
If you would like a different checking and/or savings account than the one we pre-selected, you may change to an account of your
choosing starting October 20, 2014. Simply stop by any First Interstate branch and we will assist you.
First Interstate Bank offers a wide range of checking and savings account options, each with a variety of added benefits to make
your life a little easier. You will find complete descriptions of First Interstate’s checking and savings accounts—personal and
business—on the following pages.
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→ CHECKING & SAVINGS continued
PERSONAL
MARKETMANAGER
PREFERRED CHECKING
Earn interest while having access to
premium account benefits.
Full service checking account that earns
interest with easy access to funds.
$50,000 in other combined
First Interstate deposits*
$1,500 in Preferred Checking or $5,000 in
other combined First Interstate deposits
$25
$13 (waived for customers 60 years or
older)
■
■
World Debit™ MasterCard® with four free
non-First Interstate ATM transactions per
month
■
No charge for First Interstate Day & Night
Teller ATM use
■
■
No charge for First Interstate Day & Night
Telephone Banking
■
■
Unlimited check writing
■
■
I-Bank Online Banking
■
■
I-Pay Online Bill Payment
■
■
I-Statements Electronic Statements
■
■
Account Alerts (basic)
■
■
Mobile Banking
■
■
Courtesy Overdraft
■
■
Overdraft Protection available**
■
■
Paper statements w/ images
■
■
5,000
3,000
Safe deposit box rental discount ($5)
■
■
Free checks (style chosen by First Interstate)
or $5 discount on other styles
■
■
CD interest rate bonus (0.10% for terms of
2+ years)
■
■
Gift cards
■
$3.95
Money orders
■
$4
Cashier’s checks
■
$5
Incoming wires
■
$10
Foreign currency exchange
■
$19
■
$50
Minimum balance requirement
Monthly maintenance fee if balance below
minimum
Other requirements
Earns interest
Free Debit Card
Earn bonus FirstRewards† points when a
FirstRewards World MasterCard** is opened
at the same time as checking account
AdvanceLine annual fee**
Mortgage loan origination discount**
$250
Consumer loan discount ** (dealer-financed
contracts ineligible)
0.5%
*Limit of one account utilizing combined balance option
**Subject to approval
7
REGULAR CHECKING
FREE CHECKING
Maintain a lower balance with access to a
full range of account features.
Basic account for active online customers
who are always on the go.
$500 in Regular Checking
1893
Bank of Commerce opens in Sheridan,
Wyoming.
1968
Homer Scott, Sr. purchases the Bank
of Commerce in Sheridan, Wyoming.
$9
Direct deposit (at least one per month) or
electronic statements set up within 30 days
of account opening. If neither occurs, a $5
monthly maintenance fee is charged.
N/A
N/A
■
■
■
■
■
■
■
■
■
■
■
$4.95/mo; first two months free
■
■
■
■
■
■
■
■
■
$24/yr + transfer fees
■
$5/mo
1971
Homer Scott, Sr. forms two holding
companies - one for Wyoming banks
and one for Montana banks.
1984
Franchise agreement with First
Interstate Bancorp of California to use
the First Interstate name in Wyoming
and Montana.
1993
The Montana and Wyoming holding
companies merge.
1996
Franchise agreement ends and Homer
Scott, Jr. secures the right to sole use of
the First Interstate name.
2008
Expanded into South Dakota by
acquiring 18 banking offices pursuant
to the purchase of First Western Bank.
2,000
■
2010
$3.95
$3.95
$4
$4
$5
$5
$10
$10
$19
$19
$50
$50
†FirstRewards points given one-time only. Points will be credited to your account within four to six weeks
IPO, while the Scott Family remains
our principal stockholders.
2014
First Interstate agrees to acquire
Mountain West Financial Corp.
Today
First Interstate Bank is a publicly
traded company with over 70 branch
locations throughout Montana,
Wyoming, and western South Dakota.
8
→ CHECKING & SAVINGS continued
BUSINESS CHECKING
WITH INTEREST
BASIC CHECKING
WITH INTEREST
High activity checking account
that earns interest.
Earns interest; designed for businesses
with low to moderate activity.
$5,000
$25,000
$10
$20
■
■
Per check charge
$0.15
$0.25 after 50 checks/mo.
Per deposit charge
$0.15
Per electronic debit or credit
$0.10
BUSINESS
Monthly service charge if balance is below
minimum requirement
Earns interest (tiered rate)
Per Deposit Item Charge (On First Interstate/
Not on First Interstate)
$0.07/$0.10
$0.25 after 50 deposit items/mo.
■
■
Free Business Debit Card*
Your Checks and Check Orders
Please continue using your current Mountain West Bank
check supply, even after October 17, 2014. All new check
orders made after that date should have First Interstate’s
name and routing number (092901683). Please feel free to
contact any First Interstate Bank branch and we will assist
you with your new check order. If you order your checks
through another vendor, you will need to give them your
updated information.
Direct Deposit and Automatic Payments
If you currently have a direct deposit (e.g. payroll, Social
Security, government entities, etc.) deposited into your
account, or an automatic payment (e.g. insurance or
loan payment) being paid out of your account, this will
continue. First Interstate Bank will send notice of the routing
number change to the originators. If the originator makes
the requested change, you will not need to do anything.
However, if the originator does not make the change, you
may need to contact them personally. If you have set up a
payment using a web-based bill pay program, you will need
to go into that program and enter your new bank routing
number (092901683) and, if applicable, your new account
number, for any payments made after October 17, 2014.
Checking and Savings Account Numbers
Other than a few exceptions, your checking and savings
account numbers will not change. If you have one of the few
accounts that will have an account number change, we will
notify you through a separate communication.
ATM Cards
If you have a...
You will receive a...
Mountain West Bank
ATM Card
ATM Card
Your ATM card may be used free of charge at any First
Interstate Bank Day & Night Teller machine.* In addition,
your ATM card may be used to purchase goods and services
where merchants utilize a Maestro® PIN pad. In other words,
if you are able to confidentially enter your PIN, you may use
your ATM card for purchases. You will receive your new First
Interstate Bank ATM Card on or before October 6, 2014.
The PIN for your new First Interstate Bank ATM Card will
be the same PIN that was associated with your Mountain
West Bank ATM Card.
Your Mountain West Bank ATM Card will no longer work
after midnight on Sunday, October 19, 2014. You may begin
using your First Interstate Bank ATM Card on Monday,
October 20, 2014. Your new First Interstate Bank ATM
Card will become active upon the first use of your PIN at an
ATM.*
*Fees apply when the card is used at a non-First Interstate Bank machine.
*Subject to approval
Monthly maintenance fee
9
BUSINESS
CHECKING
BASIC BUSINESS
CHECKING
COMMUNITY
ORGANIZATION
Full service checking account
with an earnings credit.
A great checking option for businesses
that maintain a smaller balance.
An ideal account for
nonprofit organizations.
none
$300
none
$9
$9
$0.15
$0.07/$0.10
■
■
■
$0.15
$0.10
Debit Cards
If you have a...
Mountain West Bank
Peak Debit Card
MasterCard® Debit Card
Mountain West Bank
Treasury Plus Debit
First Interstate
Bank World Debit™
MasterCard®
Mountain West
Bank Health Savings
Account (HSA) Debit
Card
HSA MasterCard® Debit
Card
Mountain West Bank
Peak Business Debit
Card
MasterCard® Business
Debit Card
Like your current debit card, the First Interstate Bank Debit
Card works just like a check or ATM card. It is accepted at all
MasterCard, Cirrus, and Maestro ATMs. You will receive your
new First Interstate Bank Debit Card on or before October 6,
2014. The PIN for your new First Interstate Bank Debit Card
will be the same PIN that was associated with your Mountain
West Bank Debit Card.
Your new First Interstate Bank Debit Card has to be
activated before it can be used. Please activate your new card
immediately, as this will let us know your card has been safely
delivered. Please begin using your First Interstate Bank
Debit Card on Monday, October 20, 2014. As of midnight
on Sunday, October 19, 2014, your Mountain West Bank
Debit Card will no longer be active. If you have any preauthorized charges tied to your Mountain West Bank Debit
Card, you will need to inform all appropriate parties of your
new First Interstate Bank Debit Card number.
For more information on debit cards, please see page 12 of
this guide.
Account Statements
After the transition from Mountain West Bank to First
Interstate Bank occurs, your checking and savings account
statements will look slightly different. If you have questions
about your new statement, please contact your local First
Interstate Bank branch or our special customer support hotline
at 1-888-833-3451, Monday – Friday, 7:30am to 6pm.
Interest Bearing Checking and Savings Accounts
All First Interstate Bank interest bearing checking and
savings accounts are variable rate accounts; rates may change
at any time.
Other Important Services and Fees
Please see page 27 of this guide for all the additional
services and fees associated with your new checking and
savings account.
All accounts require a $100 opening balance
10
→ OVERDRAFT PROTECTION
OVERDRAFT PROTECTION
If you don’t find the answers to your particular questions
in this guide, stop by your local branch office of
First Interstate Bank or call 1-888-833-3451.
If you have...
You will receive...
Mountain West Bank
Overdraft Privilege
Overdraft Protection of
your choosing (3 options
available)
Mountain West Bank
Overdraft Opt-In
Courtesy Overdraft
Mountain West Bank
Revolving Line of
Credit
Balance Plus Line of
Credit
Overdraft Privilege
Upon conversion to First Interstate Bank, Overdraft Privilege
will no longer be offered. Mountain West customers with
Overdraft Privilege can visit their local First Interstate Bank
branch and choose to sign up for one of First Interstate’s
convenient overdraft protection offerings:
• Savings or Market Interest Account
You can designate your First Interstate Savings or Market
Interest Account* as the source to cover any overdrafts in
your checking account. There is a $5.00 transfer fee for
this service.
The advantages of choosing this option are:
oThere are no interest charges, unlike a line of credit
or credit card.
oThe limit for your overdraft coverage is as large as
your Savings or Market Interest balance.
o Your monthly statement details the transfers between
your accounts.
oReview transactions via online banking and/or Day
& Night Telephone Banking.
Federal Banking law sets a limit of six pre-authorized transfers on
savings and money market accounts per month. Transfers initiated
by the Overdraft Protection Service are included in this limit.
• Balance Plus Line of Credit
Balance Plus* is an overdraft line of credit tied to your
checking account that activates if you overdraw your
account. Balance Plus can save you the embarrassment of
bounced checks and the cost of overdraft fees. There is a
$5.00 transfer fee for this service.
The advantages of Balance Plus include:
oYour monthly checking statement includes details of
your Balance Plus account.
oOutstanding Balance Plus balances can be repaid
with a small, minimum monthly payment.
oEnjoy unlimited transfers with Balance Plus (up to
credit limit).
oReview transactions via online banking and/or Day
& Night Telephone Banking.
The Annual Percentage Rate on Balance Plus is 18%. Rate subject
to change. Balance Plus requires credit approval and applications
can be obtained at your local First Interstate branch.
Free Checking customers will be assessed a $24.00 annual fee
when enrolled in Balance Plus.
11
OVERDRAFT PROTECTION continued ←
• First Interstate Bank MasterCard® Credit Card
Another great option for protecting against overdrafts
is to use your First Interstate MasterCard* Credit Card.
Transfers occur in $50.00 increments and there are no
set-up charges. There is a $10.00 transfer fee for credit
card transfers up to $50.00, and a $19.00 transfer fee for
transfers over $50.00.
There are some advantages to choosing this option:
oEnjoy unlimited transfers with First Interstate credit
cards (a maximum of $500.00 daily, depending on
available credit limit).
oYour monthly credit card statement details the
transfers between your accounts.
“Trust, knowledge, commitment,
opportunity: these are the values
of the Scott family, and of First
Interstate Bank. They have been
for 40 years, and as long as we’re
here, they always will be. I’m
honored to welcome Mountain
West Bank to our organization.”
Tom Scott, Chairman of the Board,
First Interstate BancSystem, Inc.
Overdraft Opt-In
Customers who have opted to have Mountain West Bank’s
Overdraft Privilege extend to ATM and everyday debit card
transactions will automatically transition into First Interstate
Bank’s Courtesy Overdraft protection. Courtesy Overdraft
provides customers a way to have their everyday ATM
and debit card transactions approved, even if there are not
sufficient funds in the account. Upon conversion to First
Interstate Bank, the charge for this service will be $29.00 for
each Courtesy Overdraft transaction; the fee at Mountain
West Bank was $30.00 per transaction. Disclosures for your
new Courtesy Overdraft protection will be sent in a separate
mailing.
Revolving Line of Credit
Mountain West Bank customers who currently utilize a
revolving line of credit for overdraft protection will be
automatically transferred into First Interstate Bank’s Balance
Plus Line of Credit, effective October 20, 2014. Balance Plus
is an overdraft line of credit tied to your checking account
that activates if you overdraw your account. There is a $5.00
transfer fee for this service.
Again, we welcome your inquiries and want to make your
transition to First Interstate Bank as easy as possible. Please
call us at 1-888-833-3451, Monday – Friday, 7:30am to
6pm, if you have questions or concerns.
“A recognized leader in community
banking services, First Interstate is
a Montana-based community bank,
driven by strong family and corporate
values. While our technology
and e-commerce options are an
important and growing component of
what we offer at First Interstate, we
take great pride in our exceptional
personal service, which has been a
hallmark of our success.”
Ed Garding, President and CEO,
First Interstate BancSystem, Inc.
“Like Mountain West, First
Interstate is a community bank
whose success has been built on
a foundation of commitment to
its customers and communities.
We take pride in reflecting the
values of our customers and
our company through strong
community involvement.”
Bill Weber, Region President,
12
→ DEBIT CARDS
DEBIT CARDS
Consumer Debit Cards
If you have a...
Mountain West Bank
Peak Debit Card
Mountain West Bank
Treasury Plus Debit
Card
First Interstate
Bank World Debit™
MasterCard®
Mountain West
Bank Health Savings
Account (HSA) Debit
Card
First Interstate Bank HSA
Like your current debit card, First Interstate Bank’s
MasterCard Debit Card and World Debit MasterCard
work just like a check or ATM card. They are accepted at all
MasterCard, Cirrus, and Maestro ATMs. Like your current
HSA debit card, First Interstate’s HSA MasterCard Debit
Card can be used anywhere MasterCard is accepted to pay
for qualified medical expenses.
You will receive your new First Interstate Bank Debit Card(s)
on or before October 6, 2014. Please note, the PIN for your
new First Interstate Bank Debit Card will be the same
PIN that was associated with your Mountain West Bank
Debit Card.
Your new First Interstate Bank Debit Card must be
activated before it can be used. Please activate your new card
immediately, as this will let us know your card has been safely
delivered. Please begin using your First Interstate Bank
Debit Card on Monday, October 20, 2014. As of midnight
on Sunday, October 19, 2014, your Mountain West Bank
Debit Card will no longer be active. If you have any preauthorized charges tied to your Mountain West Bank Debit
Card, you will need to inform all appropriate parties of your
new First Interstate Bank Debit Card number.
Activating Your New Card
To activate your card, please call 1-800-862-0760. Beginning
October 20, 2014, you may also activate your card using your
PIN at an ATM.*
*Fees apply when the card is used at a non-First Interstate Bank
machine.
Information Regarding Rewards! and
Prewards® from Mountain West Bank
Your Mountain West Bank Debit Card will earn Rewards! points
through October 19, 2014, when your card is deactivated. You
must redeem any remaining points from your Mountain West
Bank Debit Card on or before October 31, 2014. To access
your points and redeem, visit dreampoints.com/mtnwestbank or
call 866-678-5186 (24/7). If you are enrolled in Mountain
West Bank’s Prewards® program, you may continue to receive
discount offers from merchants until the program expires on
September 30, 2014.
Important Dates
• On or Before October 6 – activate your new First
Interstate Bank Debit Card as soon as you receive it in the
mail. If you have not received your new First Interstate
Bank Debit Card by October 6, 2014, please call 1-888833-3451 for assistance.
13
DEBIT CARDS continued ←
• September 30 – the Prewards® program associated with
your Mountain West Bank Debit Card will expire.
• October 19 – continue to use your Mountain West Bank
Debit Card through October 19, 2014, when your card
is deactivated. Your Mountain West Bank Debit Card
will continue to earn Rewards! points through October
19, 2014.
• October 20 – begin using your new First Interstate Bank
Debit Card and destroy your old Mountain West Bank
Debit Card immediately.
• October 31 – redeem any remaining Rewards! points
from your Mountain West Bank Debit Card. Points will
no longer be available for redemption after this date.
Business Debit Cards
If you have a...
Mountain West Bank
Peak Business Debit
Card
MasterCard® Business
Debit Card
Like your current debit card, the First Interstate Bank
MasterCard Business Debit Card works just like a check
or ATM card. It is accepted at all MasterCard, Cirrus, and
Maestro ATMs. You will receive your new First Interstate
Bank MasterCard Business Debit Card on or before October
6, 2014. Please note, the PIN for your new First Interstate
Bank MasterCard Business Debit Card will be the same
PIN that was associated with your Mountain West Bank
Peak Business Debit Card.
Your new First Interstate Bank MasterCard Business Debit
Card must be activated before it can be used. Please activate
your new card immediately, as this will let us know your
card has been safely delivered. Please begin using your First
Interstate Bank Debit Card on Monday, October 20,
2014. As of midnight on Sunday, October 19, 2014, your
Mountain West Bank Peak Business Debit Card will no longer
be active. If you have any pre-authorized charges tied to your
Mountain West Peak Business Debit Card, you will need to
inform all appropriate parties of your new First Interstate Bank
MasterCard Business Debit Card number.
Activating Your New Card
To activate your card, please call 1-800-862-0760. Beginning
October 20, 2014, you may also activate your card using
your PIN at an ATM.*
*Fees apply when the card is used at a non-First Interstate Bank
machine.
Information Regarding Rewards! and
Prewards® from Mountain West Bank
Your Mountain West Bank Peak Business Debit Card will
earn Rewards! points through October 19, 2014, when
your card is deactivated. You must redeem any remaining
points from your Mountain West Bank Peak Business
Debit Card on or before October 31, 2014. To access your
points and redeem, visit dreampoints.com/mtnwestbank
or call 1-866-678-5186 (24/7). If you are enrolled in
Mountain West Bank’s Prewards® program, you may
continue to receive discount offers from merchants until
the program expires on September 30, 2014.
Important Dates • On or Before October 6 – activate your new First
Interstate Bank MasterCard Business Debit Card as soon
as you receive it in the mail. If you have not received
your new First Interstate Bank Debit Card by October
6, 2014, please call 1-888-833-3451 for assistance.
• September 30 – the Prewards® program associated with
your Mountain West Bank Peak Business Debit Card
will expire.
• October 19 – continue to use your Mountain West
Bank Peak Business Debit Card through October 19,
2014, when your card is deactivated. Your Mountain
West Bank Peak Business Debit Card will continue to
earn Rewards! points through October 19, 2014.
• October 20 – begin using your new First Interstate
Bank MasterCard Business Debit Card and destroy
your old Mountain West Bank Peak Business Debit
Card immediately.
• October 31 – redeem any remaining Rewards! points
from your Mountain West Bank Peak Business Debit
Card. Points will no longer be available for redemption
after this date.
14
→ DEBIT CARDS continued
Debit Card Benefits
First Interstate Bank HSA MasterCard® Debit Card
health savings
account
Debit
Your First Interstate Bank Debit Card comes with special
benefits—at no charge to you! Please refer to the Guide to
Benefits that will come with your new debit card for complete
information about these benefits.
• MasterCard® Zero Liability*
• MasterCard® Global ServiceTM
• MasterCard® Travel ServiceTM
• MasterCard® Airport ConciergeTM
• Extended Warranty Insurance*
• Price Protection*
• Satisfaction Guarantee*
• ID Theft Resolution Services
First Interstate’s HSA Debit MasterCard® can be used to pay
qualified medical expenses anywhere MasterCard® is accepted.
So, as long as you have the necessary funds in your account,
you can make quick and easy payments at your doctor’s office
or at the pharmacy when you pick up your prescription.
Business Debit Card Benefits
MasterCard® Business Debit Card
World Debit™ MasterCard®
In addition to the Debit Card Benefits, World Debit
cardholders enjoy premium benefits and services. Please refer
to the Guide to Benefits that will come with your new debit
card for complete information.
• Purchase Assurance
• MasterCard® Luxury Hotels & Resorts Portfolio**
• Priceless Golf**
• FUEL REWARDS NETWORK™**
• MASTERCARD® PRICELESS CITIES**
The Business Debit MasterCard features benefits specifically
tailored to business needs. In addition, cardholders can receive
24-hour a day service by calling 1-800-622-7747. Please refer
to the Guide to Benefits that will come with your new debit
card for complete information about these benefits.
• MasterCard® Zero Liability*
• MasterRental® Insurance
• Purchase Assurance®
• Master RoadAssist®
• MasterTrip®
• MasterLegal®
• VAT Reclaim Service
• MasterCoverage®
*Certain terms, conditions, and exclusions apply. Review the Guide to Benefits
for complete program details.
**Cardholders must register for these programs at no charge through MasterCard.
For more information, please visit mastercard.us/credit-card-world.html.
15
CREDIT CARDS ←
CREDIT CARDS
Consumer and Business Credit Cards
If you have a Mountain West Bank VISA® Credit Card, you will
receive a new card without the Mountain West Bank logo from
Elan Financial Services. You will receive additional information
regarding your credit card conversion directly from Elan.
You may also contact Elan by calling 1-800-558-3424. First
Interstate Bank is not able to assist with inquiries regarding
your Mountain West Bank VISA Credit Card.
FIRST EWARDS
rewards
as local as you are.
FIRSTREWARDS MEANS LOCAL REWARDS
FirstRewards World MasterCard gives you loyalty points with every purchase
to use toward rewards at the local businesses you know and love.
Talk to your banker to apply today or visit rewards.firstinterstate.com
16
→ PERSONAL CDS & IRAS
YOUR NEW PERSONAL CDs AND IRAs
Your Mountain West Bank Certificates of Deposit (CDs) and IRAs
will be transferred to First Interstate Bank CDs and IRA accounts on
Monday, October 20, 2014.
Certificates of Deposit
Your Mountain West Bank CD(s) will automatically be
converted to a First Interstate Bank CD(s). Each CD will
maintain its current rate and maturity date. For information
on other CD terms and conditions, please see the enclosed
“Your Deposit Account” booklet. Approximately 20 days
prior to your CD’s maturity date, you will receive a renewal
notice. It is important that you retain your original Mountain
West statement(s) along with your First Interstate Bank
mailing and this conversion guide for your records.
First Interstate Bank offers CDs from 7 days to 5 years. For
complete information for all rates, stop by any First Interstate
Bank location, or visit firstinterstate.com for special online
rates. Your current Mountain West Bank CD interest rate
will remain the same until your CD’s renewal date. However,
early withdrawal penalties will change on October 20, 2014.
The current early withdrawal penalties on Mountain West
Bank CDs are as follows:
• 90 Days or Less 7 days’ interest
• 3–12 Months
30 days’ interest
• 1–3 years
180 days’ interest
• 4–5 years 365 days’ interest
Effective October 20, 2014, CD early withdrawal penalties
will be as follows:
• 0–2 Months Greater of all interest earned on the
amount withdrawn or $25
• 3–11 Months
Greater of 3 months’ interest
earned on the amount withdrawn or $25
• 12–23 Months Greater of 6 months’ interest earned on the amount withdrawn or $25
• 24–35 Months
Greater of 12 months’ interest earned on the amount withdrawn
or $25
• 36 Months & Over Greater of 24 months’ interest earned on the amount withdrawn or $25
For more information regarding your new First Interstate
Bank CD, please contact your local First Interstate branch.
IRAs — Your Individual Retirement Account
Your IRA will automatically be transferred to First Interstate
Bank. Each IRA will maintain its maturity date, and your
existing rate will be maintained until your renewal date.
Your renewal notice will include additional information and
disclosures. There is no annual fee on your new First Interstate
Bank IRA.
You will receive annual statements itemizing all activity
on your account. As of October 20, 2014, First Interstate
will assume Custodial/Trustee responsibilities for your IRA
account(s). A separate mailing will be sent to IRA holders
detailing the transfer. It is not necessary for you to sign
anything or return any documents. You should keep all of
your Mountain West Bank statements, this conversion guide,
and the First Interstate Bank mailing regarding your IRAs for
your records. For general notes and disclosures concerning
IRAs, please contact your local First Interstate Bank.
17
PERSONAL ONLINE & MOBILE BANKING ←
PERSONAL ONLINE AND MOBILE BANKING
Your Mountain West Bank Personal Online Banking account will
be transferred to a First Interstate Bank Personal Online Banking
account on Monday, October 20, 2014.
If you currently use personal online banking with Mountain
West Bank, you will be set up with a new online profile within
First Interstate’s I-Bank Personal Online Banking, which can
be accessed from firstinterstate.com. If you have not accessed
your Mountain West Bank personal online banking account
in at least six months, a profile will not automatically be
established for you at First Interstate Bank. If this is the case,
you may enroll in I-Bank Personal Online Banking starting
October 20, 2014.
With First Interstate’s Personal Online Banking, you will be
able to view account balance(s) and account transactions,
transfer funds between First Interstate Bank accounts, pay
bills, place stop payments, and reorder checks. You can also
enroll for electronic statements, mobile banking, and account
alerts.
When you login to your new online profile for the first time
after October 20, 2014, your Access ID will be your current
Mountain West online User ID, except in all lowercase and
a maximum of 17 characters in length. If your Access ID is
identified as an Access ID that already exists within online
banking, we will notify you through a separate communication.
Your password will be the last four digits of your Social
Security Number. During your first online session, you will
be prompted to change your password, select a security image
and pass phrase, and select and answer three security challenge
questions. You will also be prompted to enroll in electronic
statements, which is optional but recommended. If you
currently receive an electronic checking or savings account
statement from Mountain West Bank, you will need to reenroll for First Interstate’s I-Statements (electronic statements)
through Personal Online Banking. If you do not re-enroll, you
will begin receiving paper statements upon conversion to First
Interstate Bank.
If you are already a First Interstate Bank customer using online
banking, your online banking information from Mountain
West Bank will convert into a new online banking account,
not into your existing First Interstate Bank online banking
account. This means you will temporarily have two logins for
online banking at First Interstate. Our bankers will work with
you to combine these two logins for your convenience after
October 20, 2014.
If you currently use personal mobile banking with Mountain
West Bank, you will need to re-enroll for First Interstate’s
Personal Mobile Banking. You do this through First Interstate’s
Personal Online Banking via the Mobile Banking & Alerts
tab.
If you currently use personal account alerts with Mountain
Personal Account Alerts through First Interstate’s Personal
Online Banking via the Mobile Banking & Alerts tab. From
there, you can configure your alert settings.
Please note the following information regarding Personal
Online Banking. Read the points carefully and be prepared to
make the recommended adjustments or changes.
• Online Transaction History
Mountain West online customers will be able to access their
Mountain West transaction history via mtnwestbank.com
through March 31, 2015.
• Online Statement History
Mountain West online customers’ account statements will
be automatically converted to their new First Interstate
Bank Personal Online Banking account and will be
available starting October 20, 2014.
18
→ PERSONAL ONLINE & MOBILE BANKING continued
• Online Bill Payment History
Mountain West online customers will not be able to
access their bill payment history after October 17, 2014.
It is important to print or save your bill payment history
prior to October 17, 2014.
• Online Bill Payment Payees
Mountain West online customers’ bill payment payees
will be automatically converted to their new First
Interstate Bank Personal Online Banking account and
will be available starting October 20, 2014.
• Online Bill Payment eBills
Mountain West online customers’ bill payment eBills will
be discontinued on October 10, 2014. Customers can reenroll for eBills after October 20, 2014 via their new First
Interstate online banking profile.
• Peak Bill Pay
Effective October 20, 2014, Peak Bill Pay will no longer
be offered. However, First Interstate Bank offers a similar
electronic bill presentment option.
After conversion, you will be able to activate eBills
electronic bill presentment for participating payees via
First Interstate Bank’s I-Pay bill pay solution. You will no
longer need to provide a specific post office box address
to your payee to utilize First Interstate’s eBill solution.
• Online Recurring or Scheduled Transfers
All current Mountain West online users who have
recurring or scheduled transfers will not be able to set
up any new scheduled transfers as of October 15, 2014.
No changes will occur to existing recurring or scheduled
transfers; they will be automatically converted to your
First Interstate Bank account.
• Online Recurring or Scheduled Bill Payments
recurring or scheduled payments will not be able to set
up any new scheduled payments as of October 15, 2014.
payments; they will be automatically converted to your
• Quicken® and QuickBooks® Customers
Your ability to update your money management software
with your account data and transactional history for
your current Mountain West Bank accounts and online
banking will cease on October 17, 2014. It is important
to have your account(s) up-to-date prior to October 17,
2014, to prevent losing access to this information. Any
information not updated prior to that date will need to
be keyed in manually.
Once you have been added to First Interstate’s Personal
Online Banking and you have successfully logged into
your accounts, you will need to create a new register
in Quicken or QuickBooks (refer to your money
management software manual or contact them for
support if you need assistance with this). Once you
have successfully completed this step, you may add
your new online banking login credentials and continue
using Quicken or QuickBooks to update your account
information. This will provide a clean conversion for your
record keeping and financial data. Data from Quicken
and QuickBooks will not be converted from Mountain
West to First Interstate.
Account Maintenance
If, after successfully logging into First Interstate’s Personal
Online Banking, you recognize there are accounts missing,
please use the Secure Message feature to request additional
assistance.
Questions
Any questions can be referred to First Interstate Bank
Customer Support by calling 1-888-833-3451, Monday –
Friday, 7:30am to 6pm. Please indicate you are a previous
Mountain West customer when calling.
19
BUSINESS ONLINE & MOBILE BANKING ←
BUSINESS ONLINE AND MOBILE BANKING
If you currently use business online banking with Mountain West, you
must complete a new Business Online Services Agreement with
First Interstate Bank before your new profile on First Interstate’s
I-Corp Business Online Banking can be established.
This agreement must be completed before October 10, 2014.
You will be contacted by a First Interstate Bank Cash
Management Specialist to assist you with completing this
agreement. If you will be using First Interstate Bank’s
advanced functionality (like ACH), you will receive an
invitation to attend a “Lunch and Learn” session in your area.
This event will provide you with more information about the
options available within First Interstate’s Business Online
Banking solution as well as the opportunity to complete your
Business Online Services Agreement.
Once you have completed the Business Online Services
Agreement, we will provide you with your new Access ID and
password, to be used beginning October 20, 2014. During
your first online session, you will be prompted to change
your password, select a security image and pass phrase, and
select and answer three security challenge questions.
With First Interstate’s Business Online Banking, you will be
able to view account balance(s) and account transactions,
transfer funds between First Interstate Bank accounts, pay
bills, place stop payments, and process ACH and Wire
transactions (depending on the options you select during the
completion of your new Business Online Services Agreement).
You can also enroll for Business Mobile Web Banking.
If you currently use business mobile banking with Mountain
Business Mobile Web Banking through First Interstate’s
Business Online Banking via the Account Services tab.
If you currently use business account alerts with Mountain
West Bank, please note that First Interstate Bank does not
currently offer business account alerts. We are sorry for any
inconvenience this may cause. We do, however, offer account
alerts through our Personal Online Banking service.
If you currently receive an electronic checking or savings
account statement from Mountain West Bank, you will need
to re-enroll for First Interstate’s I-Statements (electronic
statements) when completing your new Business Online
Services Agreement. If you do not re-enroll, you will
begin receiving paper statements upon conversion to First
Interstate Bank.
Please note the following information regarding Business
Online Banking. Read the points carefully and be prepared
to make the recommended adjustments or changes.
• Online Transaction History
Mountain West online customers will be able to
access their Mountain West transaction history via
mtnwestbank.com through March 31, 2015.
• Online Statement History
Mountain West online customers’ account statements
will be automatically converted to their new First
Interstate Bank Business Online Banking account and
will be available starting October 20, 2014.
• Online Bill Payment History
Mountain West online customers will not be able to
access their bill payment history after October 17, 2014.
It is important to print or save your bill payment history
prior to October 17, 2014.
Mountain West online customers’ bill payment
payees will be automatically converted to their new
First Interstate Bank Business Online Banking account
and will be available starting October 20, 2014.
20
→ BUSINESS ONLINE & MOBILE BANKING continued
Mountain West online customers’ bill payment
eBills will be discontinued on October 10, 2014.
Customers can re-enroll for eBills after October 20,
2014 via their new First Interstate online banking
profile.
• Peak Bill Pay for Business
Effective October 20, 2014, Peak Bill Pay for Business
will no longer be offered. However, First Interstate Bank
offers a similar electronic bill presentment option.
After conversion, you will be able to activate eBills
electronic bill presentment for participating payees via
First Interstate Bank’s I-Payables bill pay solution. You
will no longer need to provide a specific post office box
address to your payee to utilize First Interstate’s eBill
solution.
• Online Recurring or Scheduled Transfers
recurring or scheduled transfers will not be able to
schedule any new transfers as of October 15, 2014. No
changes will occur to existing recurring or scheduled
transfers; they will be automatically converted to your
• Online Recurring or Scheduled Bill Payments
recurring or scheduled payments will not be able to
schedule any new payments as of October 15, 2014.
payments; they will be automatically converted to your
• Quicken® and QuickBooks® Customers
Your ability to update your money management software
with your account data and transactional history for
your current Mountain West Bank accounts and online
banking will cease on October 17, 2014. It is important
to have your account(s) up-to-date prior to October 17,
2014 to prevent losing access to this information. Any
information not updated prior to that date will need to
be keyed in manually. This will provide a clean conversion
for your record keeping and financial data. Data from
Quicken and QuickBooks will not be converted from
Mountain West to First Interstate.
Account Maintenance
If, after successfully logging into First Interstate’s Business
Online Banking, you recognize there are accounts missing,
please contact your local First Interstate Bank Cash
Management Specialist.
Questions
Any questions can be referred to your local Cash Management
Specialist. Please indicate that you are a previous Mountain
West customer when calling.
Bozeman
Samantha (Sam) Hamby
406-556-4917
[email protected]
Great Falls
Diane Bodnar
406-454-6249
[email protected]
Helena
Teri Calton
406-457-7145
[email protected]
Blaine Jensen
406-255-5362
[email protected]
Shari Wells
406-457-7161
[email protected]
View Our Product Demos!
View an entire list of our product and service tours to learn
more about each one:
http://www.onlinebanktours.com/oec/index.php?BID=233.
Missoula
Dave Sande
406-523-4361
[email protected]
Colleen Kinsella
406-523-4223
[email protected]
Melanie Burns
406-523-4220
[email protected]
Kalispell
Susie Bailon
406-751-2534
[email protected]
Whitefish
Mary Ciganek
406-863-8853
[email protected]
21
ADDITIONAL CASH MANAGEMENT SERVICES ←
ADDITIONAL CASH MANAGEMENT SERVICES
If you currently utilize any of the Mountain West Bank
Cash Management Services listed below, you may notice
changes beginning Monday, October 20, 2014.
Remote Deposit
• Business Online Banking (I-Corp)
Mountain West Bank Remote Deposit customers will
continue to use their existing scanners. A First Interstate
Bank Cash Management Specialist will contact each Remote
Deposit customer regarding new software and training.
o Check your account balances anytime, day or night,
for real-time balance and transaction information
ACH
o Free electronic statements (I-Statements)
Mountain West Bank customers who use ACH will receive
an invitation to attend a “Lunch and Learn” session in your
area. This event will provide you with more information
about the ACH options available within First Interstate’s
Business Online Banking solution. A First Interstate Bank
Cash Management Specialist will contact each ACH customer
regarding new software and training.
o View and print images of your checks
Merchant Services
o Send ACH (Payroll, Accounts Receivable, etc.)
If you are a Mountain West Bank customer with Merchant
Services through NXGEN, your current contract will remain
in effect until its expiration date. You should not experience
any interruption in your Merchant Services as a result of the
conversion; merchant funding will continue operating as it
currently does. If you have questions regarding your Merchant
Services through NXGEN, please contact NXGEN directly
at 1-866-863-9977. For after-hours support, please contact
NXGEN at 1-800-725-1243.
Cash Management Solutions
Businesses use Cash Management Solutions to increase
the amount of funds available for investment and to make
operations more efficient. From Business Online Banking to
remote deposits, First Interstate Bank offers your business a
variety of services and systems to improve your company’s
cash management. As a First Interstate customer, you now
have access to the following Cash Management Solutions:
o Allow multiple users with unique login credentials
o Control user access and set up transfer templates
o Download statement information to financial
management software
o Business Bill Payment (I-Payables)
o Free Business Mobile Web Banking
o Send domestic and foreign wire transfers
• Business Bill Payment (I-Payables)
o Access through Business Online Banking
o Pay bills electronically, 24 hours a day, 7 days a week
o Control cash flow
o Add invoices to payments
o Accept electronic bills
o Pay one-time bills and monthly recurring bills
o Add payees/merchants at any time
o Include multiple users and dual control for added
security
• Merchant Capture (Remote Deposit)
o Eliminate daily trips to the bank
o Make deposits electronically from your business
location(s)
22
→ ADDITIONAL CASH MANAGEMENT SERVICES continued
o Improve funds availability with same-day credit
o Extended banking hours
o Consolidate banking accounts
o View and research deposited items online
o Receive earlier notification of returned items
• Anti-Fraud Service (Positive Payee)
o Helps protect your account(s) from check fraud
o Allows the bank to identify potentially fraudulent
checks
o Detects and returns unauthorized checks in accordance
with federal regulation timelines
o ACH filter
o Detects stale-dated checks
o Corrects encoding errors, making reconciliation easier
o Issued check files and exceptions are handled via secure
Internet access
o Features advanced reporting capabilities
• Remittance Processing (Lockbox)
o Payments are collected and processed by the bank
o Faster receivable posting
o Improved funds availability
o Reduced administrative expense
o Better staff efficiency
o Improved audit controls
o Convenient same-day reporting information
• Merchant Services
First Interstate Bank, in alliance with First Data, offers business
payment processing solutions tailored to help your business
succeed. Whether you need payment solutions for in-person
or online transactions, integrated terminals, electronic check
acceptance, or gift cards, First Interstate Bank and First Data
work together to make your transactions easier, faster, and
smarter. Then you can focus on what you do best—serving
your customers and growing your business.
o Next-day funding for all card types when depositing to
a First Interstate Bank account
o Local customer service dedicated to meet your needs
o Competitive pricing
o Easy access to your payment activity reporting online
24/7/365
o Better protection for your customers’ data and your
business
o New revenue opportunities with gift and incentive
card solutions
For more information on these services, please contact your
local First Interstate Bank Cash Management Specialist or
visit firstinterstate.com.
Bozeman
Samantha (Sam) Hamby
406-556-4917
[email protected]
Great Falls
Diane Bodnar
406-454-6249
[email protected]
Helena
Teri Calton
406-457-7145
[email protected]
Blaine Jensen
406-255-5362
[email protected]
Shari Wells
406-457-7161
[email protected]
Missoula
Dave Sande
406-523-4361
[email protected]
Colleen Kinsella
406-523-4223
[email protected]
Melanie Burns
406-523-4220
[email protected]
Kalispell
Susie Bailon
406-751-2534
[email protected]
Whitefish
Mary Ciganek
406-863-8853
[email protected]
23
PERSONAL & BUSINESS LOANS ←
PERSONAL AND BUSINESS LOANS
Your Mountain West Bank loans will automatically be converted to
First Interstate Bank on Monday, October 20, 2014.
Personal Loans
Commercial Loans
For the purposes of this conversion, we are pleased that
First Interstate Bank has been able to keep changes on loan
accounts to a minimum. For most customers, loan numbers
will not change. If your loan payment was automatically
deducted from a Mountain West Bank deposit account, we
have already accounted for this change and there is nothing
you need to do.
Commercial loans will convert from Mountain West Bank
to First Interstate Bank per the terms of the Mountain West
Bank notes and security agreements. In the coming weeks,
current Mountain West Bank commercial loan customers will
receive letters with more information about their commercial
loan from their new First Interstate Bank lender.
Customers who pay with a coupon book will not be receiving
a new payment booklet. Continue to use your existing
Mountain West Bank payment coupons when making a loan
payment. However, beginning October 20, 2014, payments
must be made at your local First Interstate Bank branch or
by mail to:
P.O. Box 31295
Billings, MT 59107-1295
Mortgage Loans
You will soon receive a letter called a “Hello/Goodbye” letter.
The heading on the letter will read “Notice of Servicing
Transfer.” This letter is a requirement and is to inform you
that your mortgage payments will need to be sent to a new
address, which will be provided in the letter. This letter will
also include your new account number (if applicable) as well
as the timing of when you need to begin sending payments to
the new address. Mortgage loan customers will be receiving a
new payment booklet from First Interstate Bank; this should
arrive by the end of October. Beginning October 20, 2014,
payments can also be accepted at any First Interstate Bank
location.
“I am delighted to be joining the
First Interstate organization. With
First Interstate, our customers
will receive exemplary products
and services as well as the
personalized service and local
decision-making they’ve come
to expect. Our customers,
employees, and shareholders
will be joining a company where
people can be proud to bank,
proud to work, and proud to
invest.”
Mike Dalton, COO,
Mountain West Bank
(Helena Market President for
First Interstate Bank, effective
October 20, 2014)
24
→ ADDITIONAL PRODUCTS & SERVICES
ADDITIONAL PRODUCTS AND SERVICES
Now that you are part of the First Interstate family, you have
access to additional banking solutions that weren’t available
at Mountain West Bank.
Bobcat Banking
• Consumer Auto Loan fee discount of $25.00
• CD Bonus of .05% on any term (can be used in
conjunction with other account bonuses)
• Earn 1,500 bonus FirstRewards points† upon approval
of a FirstRewards World MasterCard®* within the first 30
days of joining Bobcat Banking. Already a FirstRewards
cardholder? 1,500 bonus FirstRewards points† will be
credited to your account when you enroll in Bobcat
Banking!
Show your pride for the Montana State University Bobcats by
signing up for Bobcat Banking, exclusively at First Interstate
Bank. What is Bobcat Banking? It’s a special program that
lets you keep the checking account you currently have with
First Interstate Bank, but upgrade your debit card and checks
to exclusive designs featuring the famous Bobcat logo. In
addition, you receive special amenities only available to
Bobcat Banking members.
Features:
• 10% discount** at all Universal Athletic locations
with special promotional discounts throughout the year,
including a game-day discount of 25% on Bobcat apparel
(Montana stores only). Simply show and use your Bobcat
Banking Debit Card or checks to receive this discount.
• Free ticket giveaways to MSU Bobcat football and
basketball games
• Free tail gate parties, hosted by First Interstate Bank
• Exclusive field access
• Invitations to other special gatherings and promotions,
exclusively for Bobcat Banking members
• Keep all the elements of your current First Interstate Bank
checking account
†FirstRewards points given one-time only. Points will be credited to
your account within four to six weeks.
• Upgrade to an exclusive Bobcat Banking Debit Card,
available only at First Interstate Bank
**Some exclusions may apply. See store for details.
• Upgrade to exclusive Bobcat Banking checks and receive
a $5.00 discount on each check order through
Premium Benefits:
• Mortgage Loan origination fee discount of $250.00
Fees & Information:
• Annual fee of $15.00, which will be automatically
deducted from the checking account tied to your Bobcat
Banking membership at the time of enrollment and then
annually on your enrollment anniversary (fee applies to
each enrolling party).
25
ADDITIONAL PRODUCTS & SERVICES continued ←
Wealth Management
At First Interstate Wealth Management, we have the expertise
to assist you with not only expected issues, but the unexpected
as well. We take the time to work comprehensively with our
clients, giving you security and peace of mind. We’re proud
to serve a wide variety of clients with diverse needs. So no
matter what stage of life you’re in, our knowledgeable Wealth
Advisors are ready to provide guidance.
• Individuals
• Business Owners
• Corporate Executives
• Foundations
• Non-Profit Organizations
• Municipalities
Investment Services
At First Interstate Investment Services, we take pride in
helping you set and pursue your financial goals. Together
with Cetera Investment Services, we can meet all of your
investment and financial needs under one roof. You can even
transfer money directly between your investment accounts
and your First Interstate Bank checking or savings accounts!
First Interstate Investment Services provides the products
and services of a full-service investment firm with personal
attention you can appreciate.
• Financial Needs Analysis
• Stocks
• Bonds
• Mutual Funds
• Annuities
• IRA and 401k Accounts
• Life Insurance
Securities and insurance products are offered by, and representatives
are registered with Cetera Investment Services LLC, Member FINRA/
SIPC. Advisory services are offered through Cetera Investment
Advisers LLC. Neither firm is affiliated with First Interstate Bank or
its related companies. View Cetera Investment Services’ privacy policy
and other important information. OSJ: 25 E. Lyndale Ave., Helena,
Montana 59601.
Securities and insurance products are: * Not FDIC insured
* May lose value * Not guaranteed by First Interstate Bank *
Not a deposit * Not insured by any federal government agency.
Investment Executives are registered to conduct securities business
and licensed to conduct insurance business in limited states. Response
to, or contact with residents of other states will only be made upon
compliance with applicable licensing and registration requirements.
The information in this website is for U.S. residents only and does
not constitute an offer to sell, or a solicitation of an offer to purchase
brokerage services to persons outside of the United States.
26
FIRST INTERSTATE BANK -- Conversion Guide
→ COMMITMENT TO COMMUNIT Y
OUR COMMITMENT TO COMMUNITY
Our founder, Homer Scott, once said, “If you are part of a place,
take care of it.” We continue to take that philosophy to heart today.
At First Interstate, our communities are what drive us to be the
best we can be. From supporting them with gifts from our corporate
foundation to investing in and protecting them, we strive to make
our communities better places to live and work.
As the charitable affiliate of First Interstate BancSystem, the
First Interstate BancSystem Foundation is funded by and
works closely with the bank. The Foundation’s mission is to
assist the First Interstate Bank family in being the premier
corporate citizen in the communities we serve. We’ve fostered
several programs and gift matching opportunities for our
employees to help us build on this ethic.
• Financial Education
We believe education evolves into responsibility. Working
with our branches, we participate in and host local
financial education activities, from saving and budgeting to
understanding credit and fraud prevention. We are committed
to providing life-long financial education for people of all ages
in the communities we serve.
• Employee Matching
The Employee Matching Program enables the Foundation
to match employees’ personal contributions of time and
money to qualified public charities. The Gift Matching
program matches the gifts given by First Interstate Bank
• Granting Program
employees dollar-for-dollar. Any
The
First
Interstate
employee—from a teller to a
2013 Total Company Giving:
Foundation
provides
Vice President—who makes
$2,302,449
as of December 31, 2013
funding in two main
a donation to a nonprofit that
areas:
Community
benefits our communities
Employee Gift Match:
$445,469
Development
and
can have their contribution
Leadership. Community
matched by the Foundation. For
Employee Volunteer Match:
$84,369
Development Grants are
employees who prefer to donate
awarded to nonprofit
time, our Volunteer Matching
Foundation Grants:
$608,489
organizations
that
program works in much the
provide services to low
same way. The Foundation
Branch Donation:
$1,164,122
and moderate income
matches employee volunteer
(LMI) individuals and
efforts at a rate of $10 for every
communities across our territory. Leadership Grants
hour donated (with a 20 hour minimum).
give First Interstate employees the opportunity to be
First Interstate is, has been, and always will be a values-based, family
community stewards. The Foundation relies on branch
company. These values are the foundation for the relationships
leadership to recommend funding based on the needs
we have with our customers, employees, shareholders, and the
of their respective communities. From there, the branch
communities we serve. For us, it’s bigger than banking; it’s about
and the Foundation grant dollars to community projects
making a difference. We are excited to welcome you into the
and activities.
First Interstate family. We hope you take as much pride in First
Interstate’s commitment to community as we do.
27
FEE SCHEDULE ←
FEE SCHEDULE
If you don’t find the answers to your particular questions here or in
the Products and Services section in this guide, stop by your local
branch office of First Interstate Bank or call 1-888-833-3451.
• Stop payment. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $29
I-Bank or telephone banking stop payment.. . . . . . . . . . . . . . . . . . . . . . . . . . $17
• Pre-authorized payment cancellation. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $29
• Return check/NSF. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $29
• Overdraft paid. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $29
• Continuous overdraft. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $8/day after five days
(Prime + 4% on overdraft balances on business analysis accounts)
• Cashier’s check.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5 customer, $10 non-customer
• Money order. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $4 customer, $6 non-customer
• Gift Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . $3.95 customer, $6.95 non-customer
• Travel Card. . . . . . . . . . . . . . . . . . . . . . . . . . $6.95 customer, $9.95 non-customer
• Closed account fee
Checking and savings accounts open less than 90 days. . . . . . . . . . . . . . . . . . . $10
• Incoming wire transfer. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10
• Outgoing wire transfer (First Interstate customers only)
American. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25
Foreign. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $45
• Collections
Incoming & outgoing. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25
Coupon collection. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25
Oil & gas, envelope draft.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $35
• Duplicate paper statement fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5
• Statement special handling. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25
• Returned deposited item.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $4
• Re-deposit fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1
• Buy-back fee.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $3
• Manual item processing fee.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1
• Overdraft protection
Account transfer or Balance Plus fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5
Credit card transfer fee.. . . . . . . . . $10 up to $50; $19 over $50
• AdvanceLine annual fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50
• Bobcat Banking annual fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $15/enrolling party
• ATM Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free
• First Interstate Debit Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free
• First Interstate Business Debit Card. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free
• ATM Card/Debit Card replacement fee.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5
• ATM transactions made at ATMs other than
First Interstate Bank Day & Night Teller ATMs. . . . . . . . . . . . . . . . . . . . . . . . . . . . . $2
• ATM Mini-Statement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1
• Mobile Check Deposit fee.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1/item
• I-Pay. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $4.95/month; 40¢/payment in excess of 20
• I-Bank. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free
• I-Statements.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free
• I-Payables. . . . . . . . . . . . . . . . . . . . . . . . . $9.95/month; 50¢/payment in excess of 20
• I-Corp Premium. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25/month
• I-Corp Classic. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $9.95/month
• I-Corp Basic. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . Free
• Treasury bill purchase. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50
• Garnishment/levy. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $75
• Night Depository lock bags. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25/bag
• Coin counting/rolling (rollings $2.50 minimum).. . . . . . . . . . . . . . . . . . . . . . . . . . . 1%
Rolled coin purchase. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . 10¢/roll
Check cashing for non-customer ($20 minimum). . . . . . . . . . . . . . . . . . . . . . . . . . 1%
• Foreign currency handling
Customer. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $12
Non-customer.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50
• Foreign drafts
Customer. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $12
Non-customer.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50
• Foreign item return fee
. . . . . . . . . . . . . . . . . . . . . . . $18 + correspondent bank fee
• Dormant account fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10/month
• IRA transfer fee (to another financial institution).. . . . . . . . . . . . . . . . . . . . . . . . . . . $25
• IRA direct rollover fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25
• HSA transfer fee (to another financial institution). . . . . . . . . . . . . . . . . . . . . . . . . . $25
• HSA mistaken distribution correction . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $15
• Checkbook reconciliation ($25 minimum). . . . . . . . . . . . . . . . . . . . . . . . . . . $25/hour
• Research: Imaged check. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1/check
• Research: Imaged statement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5/statement
• Research time . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25/hour
• Counter check . . . . . . . . . . . . . . . . . . . . . . . . . . . . . first ten free; 25¢/check thereafter
• Subpoena fees:
Statement. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5
Miscellaneous items (per page).. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $1
Labor. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25/hour
Shipping & handling.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . actual cost
•
•
Safe Deposit Boxes
Check with your local First Interstate Bank office for size availability and rental rates.
• Safe deposit box drilling. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $150
• Safe deposit box replacement key. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $20
• Safe deposit box late fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $10
Consumer Loan Fees
Process request for substitution of collateral. . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50
Process request for change in terms. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50
• Process request for payment extension. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $50
• Process request for name change on title.. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $25
• Coupon book replacement fee. . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . . $5
•
•
Debit Card
All cards with no activity for 12 months or longer will be cancelled.
We will assess a fee of 0.9% of the transaction amount of any debit card
transaction made in a country other than the United States. If the transaction
also involves a currency conversion, we will assess an additional fee of 0.2%.
Fees apply to the transaction after it has been converted into U.S. dollars.
I-Pay & I-Bank
If you do not access your I-Pay or I-Bank account for six months, it will be closed.
Services listed may not be available at all First Interstate Bank offices and fees may vary between First
Interstate offices. Other fees may apply to various services listed. Fees are subject to change.
Effective date: April 30, 2014
28
→ LOCATIONS
LOCATIONS
MONTANA
BELGRADE
7001 Jackrabbit Ln.
406-388-0917
BIGFORK
8111 Montana Hwy. 35
406-837-7200
BILLINGS
401 N. 31st St.
406-255-5000
302 N. 31st St.
406-255-5292
730 Main St.
406-255-5800
2501 Central Ave.
406-255-6100
3199 Grand Ave.
406-255-6090
2850 Old Hardin Rd.
406-237-1800
830 Shiloh Crossing Blvd.
406-255-5858
BOZEMAN
202 W. Main
406-556-4900
2800 W. Main
406-586-4555
MSU-Bozeman
268 Strand Union Bldg.
406-586-0757
2023 Burke St.
406-556-1058
COLSTRIP
6210 Main St.
406-748-2840
EUREKA
508 Hwy. 93 N.
406-297-3116
GARDINER
903 Scott St. W.
406-848-7474
GREAT FALLS
2601 10th Ave. S.
406-454-6200
211 5th St. N.
406-454-6270
1401 Market Place Dr.
406-454-6300
12 3rd St. NW.*
406-727-2265
HAMILTON
1501 N. 1st St.
406-375-6900
HARDIN
402 N. Center
406-665-3822
403 N. Cody Ave.
406-665-3822
HELENA
3401 N. Montana Ave.
406-457-7171
25 E. Lyndale Ave.
406-457-7151
2728 Colonial Dr.*
406-443-4381
1135 Euclid Ave.*
406-443-4100
2021 N. Montana Ave.*
406-449-2265
Touchmark Retirement Comm. *
915 Saddle Dr.
406-449-2265
KALISPELL
2 Main St.
406-756-5200
100 E. Cottonwood Dr.
406-758-7600
100 Hutton Ranch Rd.
406-756-5222
112 E. Montana St.
406-756-5200
LAME DEER
502 Cheyenne Ave.
406-477-8911
LIVINGSTON
207 W. Callender
406-222-2950
MILES CITY
1115 Main St.
406-232-5590
MISSOULA
101 E. Front St.
406-523-4200
3502 Brooks
406-523-4200
2500 N. Reserve
406-523-4200
*Currently a Mountain West branch and will become a First Interstate branch on October 20, 2014.
Albertsons
3800 S. Russell
406-523-4200
POLSON
49573 US Hwy. 93
406-883-8800
RED LODGE
602 N. Broadway
406-446-1422
WHITEFISH
306 Spokane Ave.
406-863-8888
WYOMING
BUFFALO
40 E. Hart St.
307-684-2581
CASPER
104 S. Wolcott St.
307-235-4201
124 N. Wolcott St.
307-235-4201
521 SE Wyoming Blvd.
307-235-4384
CY Albertsons
1076 CY Ave.
307-235-4297
300 SW Wyoming Blvd.
Mills, WY
307-235-4448
CHEYENNE
401 W. 19th St.
307-633-8400
4612 Rue Terre
307-633-8476
LOCATIONS continued ←
UW Student Union
E. Ivinson & S. 13th St.
307-721-4600
RIVERTON
323 E. Main
307-856-2211
SHERIDAN
4 S. Main
307-674-7411
1613 Coffeen Ave.
307-672-1501
24 S. Brooks
307-674-7411
GILLETTE
222 S. Gillette Ave.
307-682-5144
2201 S. Douglas
307-682-5144
JACKSON
842 W. Broadway
307-734-7373
Albertsons
105 Buffalo Way
307-732-7932
120 E. Broadway
307-732-7883
LANDER
8118 Hwy. 789
307-332-7500
LARAMIE
221 Ivinson St.
307-721-4600
1771 Snowy Range Rd.
307-721-4600
SOUTH DAKOTA
BELLE FOURCHE
41 5th Ave.
605-892-2041
CUSTER
648 Mt. Rushmore Rd.
605-673-2215
• Eureka
• Bigfork
• Polson
• Hamilton
NEW UNDERWOOD
404 S. A Ave.
605-754-6421
RAPID CITY
333 W. Blvd. Ste.100
605-348-3322
711 N. Creek Dr.
605-718-2265
SPEARFISH
311 N. 27th St.
605-717-0727
1400 North Ave.
605-642-2734
STURGIS
1200 Main St.
605-347-2562
WALL
418 Main St.
605-279-2141
Visit firstinterstate.com for additional branch information as
well as a complete listing of ATM locations.
MONTANA
• Whitefish
Kalispell •
• Missoula
40 N. 5th St.
605-673-2215
DEADWOOD
696 Main St.
605-578-1792
152 Sherman St.
605-722-4650
EDGEMONT
501 2nd Ave.
605-662-2265
HILL CITY
351 E. Main St.
605-574-2531
HOT SPRINGS
343 S. Chicago St.
605-745-6060
LEAD
145 Glendale Dr. Ste. 4
605-717-9340
• Great
Falls
• Helena
Belgrade •
• Miles
• Bozeman
• Livingston
Gardiner •
• Billings
• Colstrip
• Lame
• Hardin
• Red
City
Deer
Lodge
• Sheridan
• Buffalo • Gillette
• Jackson
• R iverton
• Lander
WYOMING
Lead
Hill City
Custer
• Casper
• Laramie
Cheyenne •
Belle Fourche
Spearfish
Deadwood
Sturgis
New Underwood
Wall
Rapid City
Hot Springs
Edgemont
SOUTH DAKOTA
29
Important Phone Numbers
• Customer Support (Monday – Friday, 7:30am to 6pm):.............................................................................. 1-888-833-3451
• 24 Hour Day & Night Telephone Banking: ................................................................................................1-888-752-3341
• I-Corp Business Online Banking Support (Monday – Friday, 7:30am to 5pm): .........................................1-888-833-3450
• After-Hours Debit/ATM Card Support: .....................................................................................................1-800-472-3272
• Mortgage Servicing (Monday – Friday, 8am to 5pm): .................................................................................1-866-295-1339
→ SAVINGS insert
PERSONAL
SAVINGS
MARKET INTEREST
SAVINGS
HEALTH SAVINGS
ACCOUNT**
MONTANA
MEDICAL
SAVINGS
Designed for customers who
maintain a higher account
balance and want
to earn interest.
A Health Savings Account
(HSA) is designed for people
with High Deductible Health
Plans. An HSA is similar to
an IRA or 401(k) for medical
expenses. If you change jobs
or move to another city or
state, your HSA can move
with you.
Reduce your Montana
income tax while
saving for future
medical needs and
gain tax-saving
advantages while you
do so.
■
■
$200
$1,000
$500
$200
$4.00/mo
$11.00/mo
$6.00/mo
$4.00/mo
5/mo
5/mo
Unlimited
5/mo
$10.00
$10.00
None
$10.00
REGULAR
SAVINGS
A good choice for
straightforward
individual or family
savings with a lower
balance requirement.
Earns tiered money
market rates*
Minimum Balance
Requirement
Service charge if balance
is below minimum
Withdrawals per month
Fee if withdrawals
exceed limit
Account Access Solutions
All Savings Accounts listed have access to I-Bank Online Banking, I-Statements Electronic Statements,
Account Alerts (basic), Direct Connect, and Mobile Banking.
*All Savings Accounts require a $100 opening deposit. Interest rates are subject to change. ** Free checks and free Debit Card
BUSINESS SAVINGS
MARKET INTEREST SAVINGS BUSINESS SAVINGS ACCOUNT
A great opportunity for businesses to put
their income to work with tiered
interest rates.
Perfect for businesses that maintain a
lower monthly balance but still
want to earn interest.
■
(tiered rates)
■
$1,000
$200
Service charge if balance is
below minimum requirement
$11.00/mo
$6.00/mo
Deposit limit
25 items/mo
25 items/mo
$0.20 after limit
$0.20 after limit
5/mo
5/mo
$10.00
$10.00
Earns Interest*
Per deposit item
Withdrawals per month
Fee if withdrawals exceed limit
Account Access
All Savings Accounts listed have access to I-Corp Online Banking,
I-Statements Electronic Statements, and Mobile Banking.
*All Savings Accounts require a $100 opening deposit. Interest rates are subject to change.
There is an excessive withdrawal fee of $10 if withdrawals exceed five (5) per month. Withdrawals made at an ATM, using
online banking, or using the automated telephone banking service are not included in the five (5) per month. Any other type of
withdrawal will be counted in the five (5), including in-person withdrawals.

View Conversion Guide - First Interstate Bank

Transcription

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