Stockman Bank of Montana Review: Western Values with Modern Conveniences
Written by
Caitlyn Moorhead
Edited by
Joe Evans
Commitment to Our Readers
GOBankingRates' editorial team is committed to bringing you unbiased reviews and information. We use data-driven methodologies to evaluate financial products and services - our reviews and ratings are not influenced by advertisers. You can read more about our editorial guidelines and our products and services review methodology.
20 Years
Helping You Live Richer
Reviewed
by Experts
Trusted by
Millions of Readers
ON THIS PAGE
Get access to a well-rounded selection of banking products with low maintenance fees.
Stockman Bank of Montana is best for residents of Montana who want a financial institution with community ties. It offers a variety of banking products and services with more personalized customer service. Open an account today that is safe and secure as Stockman Bank proactively takes every precaution to protect your assets.
Stockman Bank of Montana is a Montana-based community bank serving individuals, families and businesses throughout the state. The bank offers a full lineup of traditional banking products, including checking and savings accounts, money market accounts, certificates of deposit and lending services, with a strong focus on local decision-making and relationship banking.
This review breaks down Stockman Bank’s offerings, what to expect from its rates and fees and who is most likely to benefit from banking there.
Stockman Bank of Montana at a Glance
| Category | Details |
|---|---|
| Bank type | Community bank |
| Headquarters | Montana |
| Branch access | Yes, statewide |
| Online banking | Yes |
| Mobile banking | Yes |
| FDIC insurance | Yes |
| Best known for | Local service and relationship banking |
Stockman Bank Checking Accounts
Stockman Bank offers three different checking accounts: basic checking, Investment Checking and Elite 50 Checking. Here are the features:
Best For
Banking in Montana
Mobile App
Low Monthly Fees
Loan Options
Investment Services
Three Checking Accounts to Choose From
Stockman Bank’s basic checking option is great if you’re looking for an account for your daily transactions that doesn’t have any monthly service fees or minimum balance requirements.
Stockman Bank also offers Investment Checking for those interested in earning interest on their account balance but also comes with a minimum balance requirement of $250 or you will be charged a service fee of $6.95 if you don’t maintain that.
There is also the Elite 50 Checking which is offered to customers 50 and over and gives them an interest-earning account with no minimum balance.
Fees
$6.95 if you don’t maintain balance minimum
APY
Contact local branch
Min Opening
$100
Pros
- Comes with a free Visa® Check Card
- Free online or paper statements
- No minimum balance required or monthly fees
Cons
- Account management tools may be limited
- $100 needed to open an account as a required deposit
- Other interest-bearing checking options are available but come with age or balance minimum requirements.Â
Quick Take
Stockman Bank has several different checking options designed to cater to varying banking needs. Though three checking options could fit your finances, the basic checking option checks off a lot of boxes.Â
Show Pros, Cons and More
Hide Pros, Cons and More
Stockman Bank Savings Accounts
Stockman Bank doesn’t have many savings options and they don’t list their interest rates.
Best For
Banking in Montana
Mobile App
Low Monthly Fees
Loan Options
Investment Services
Min. Balance to Earn APY $100
Stockman Bank offers two savings accounts: a basic savings and a health savings. Although they say their basic savings has competitive interest rates, they aren’t listed.
Fees
$2 if minimum balance isn’t maintained
APY
Contact local branch
Min Opening
$100
Pros
- No fees for unlimited withdrawalsÂ
- Keeping the low minimum balance requirement of $100 will waive the $2 monthly fee
Cons
- $100 required opening deposit is only waived if you are under 18
- Minimum balance requirement of $100 is only waived if you are under 18
Quick Take
You can earn competitive rates on your savings without having to sacrifice community banking service. Reach all of your savings goals easily as any personal savings account includes access to Stockman Bank’s Online Banking Services and free 24-hour TeleBank. However, there are some benefits and drawbacks to consider.
Show Pros, Cons and More
Hide Pros, Cons and More
Stockman Bank CD Accounts
Stockman Bank offers many different CD terms from 1 to 60 months. Interest tiers are based on how much money you deposit, but you’ll have to contact a local branch for more information.
Best For
Banking in Montana
Mobile App
Low Monthly Fees
Loan Options
Investment Services
Standard and Flex CD Plans
The standard terms of 24 months, 36 months or 48 months are offered at Stockman Bank.
Flex CDs allow you to make unlimited deposits of a minimum of $250 each, up until 14 calendar days before the maturity date, or until your account balance reaches $300,000.Â
These CDs come in terms of 30 days, 3 months, 6 months or 12 months, and here are some benefits and drawbacks to consider.
Fees
No monthly service fee
APY
Contact local branch
Min Opening
$500 for Standard CDs under 60 months
$500 for Flex CDs over 30 days
Pros
- Interest rate tiers are based on account balances so the more you fund the account with, the more you can earn.
- A reasonable minimum opening deposit of $500 is required for terms less than 60 months
Cons
- A minimum opening deposit of $5,000 is required for terms of 60 months or greater
- Early withdrawals will be subject to a penalty
Quick Take
Stockman Bank of Montana offers customers a wide variety of Certificates of Deposit, or CDs, that are both secure and flexible depending on your financial goals. Though it has various terms available from one to 60 months the interest rates and minimum balance requirements vary. For example, a 60-month term CD requires a minimum balance of $5,000.
Early withdrawals will be subject to a penalty across all terms but here is a breakdown of both Term CDs and Flex CD plans.
Show Pros, Cons and More
Hide Pros, Cons and More
Stockman Bank Money Market Account
Stockman Bank only offers one money market account. With a minimum opening deposit of $1,000, this account may be out of reach for some people.
Best For
Banking in Montana
Mobile App
Low Monthly Fees
Loan Options
Investment Services
An Account for Those with Higher Balances
Stockman Bank’s sole money market account comes with tiered interest rates and an easily waivable service fee. However, interest rates aren’t publicly available.
Fees
$10 monthly service fee
APY
Contact local branch
Min Opening
$1,000
Pros
- Unlimited withdrawals with no fee
- $10 monthly service fee is waived if the minimum balance is maintained
Cons
- $1,000 needed to open an account
- Minimum balance $1,000
Quick Take
Stockman Bank’s Premier Money Market account is a great money move for those in Montana who maintain higher balances and want to earn a higher interest rate than a traditional savings account. If you are looking to earn more for your buck and grow your wealth safely and steadily this could be the account for you.
Show Pros, Cons and More
Hide Pros, Cons and More
Banking Experience
As a family-owned community bank, Stockman Bank of Montana is rich in tradition, western values and modern conveniences.Â
It offers everything from HSAs to IRAs to help you manage not only your daily finances but also your retirement funds. Though it is limited to those living in Montana, it has over 100 ATMs across the state for your convenience. It alsoÂ
Comparable Montana Bank OptionsÂ
If you are looking to do some banking in Montana, it’s always a good idea to do some comparison shopping before committing to the right account for you. Here are some other top contenders for which you to measure Stockman Bank.
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$6.95 if you don’t maintain balance minimum
Up to $12.00, which is waivable
$5 to $35 waivable monthly fee
APY
APY
APY
Contact local branch
Up to
Min Opening
Min Opening
Min Opening
$100
$25
$25
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$2 if minimum balance isn’t maintained
No monthly service fee
Up to $12 monthly service fee – can be waived
APY
APY
APY
Contact local branch
Up to
Up to for Platinum Savings accounts
Min Opening
Min Opening
Min Opening
$100
$25
$25
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
No monthly service fee
No monthly service fee
Early withdrawal penalty may apply
APY
APY
APY
Contact local branch
Up to
Up to
Min Opening
Min Opening
Min Opening
$500 for Standard CDs under 60 months
$500
$2,500 to $5,000
$500 for Flex CDs over 30 days
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$10 monthly service fee
$10, waivable
$20, waivable
APY
APY
APY
Contact local branch
Up to
Up to
Min Opening
Min Opening
Min Opening
$1,000
$100
$5,000
Stockman Bank vs. U.S. Bank
Bringing in the silver for Montana in GOBankingRates’ Best Banks by State 2025 is U.S. Bank. This is a good option for you if you want a variety of account options, convenient locations and a highly rated mobile banking app. Though Stockman provides more personalized customer service, U.S. Bank will also cover you outside of Montana.
Stockman Bank vs. Wells Fargo
With over 4,500 branches, Wells Fargo is one of the most accessible banks in the United States, so if you do a lot of banking outside your home state of Montana, it’s worth considering. It has accessible online and mobile apps, but typically offers lower rates than other online banking options.Â
Stockman Bank vs. Chase Bank
As with many of the other financial institutions you can compare to Stockman Bank of Montana, Chase Bank has much more availability nationwide as it has a vast network of over 4,700 branches and 15,000 ATMs. It also boasts eight checking options for different types of clients, making it a considerable in-person and online banking option. However, when you go with a bigger bank, you might lose some of the curated customer service offered by Stockman.
Safety and FDIC Insurance
Stockman Bank of Montana is FDIC-insured.
- Deposits are insured up to applicable federal limits
- Coverage applies across eligible account types
- Customers benefit from standard federal deposit protections
Who Stockman Bank of Montana Is Best For
Best Fit
- Customers who value local branches and in-person service
- Montana residents seeking community-focused banking
- Small businesses wanting relationship-based support
- Customers comfortable with modest deposit yields
Less Ideal
- Rate-focused savers chasing top APYs
- Digital-first users seeking advanced tools
- Customers with large idle balances prioritizing yield over access
Final Take to GO
Stockman Bank of Montana is a strong choice for customers who want community-based banking, local decision-making and in-person support. While its deposit rates are not designed to lead the market, the bank offers stability and accessibility for everyday financial needs.
For many customers, Stockman Bank works best as a primary checking and local banking hub, with long-term savings potentially placed elsewhere for higher yields.
Stockman Bank of Montana FAQ
- Is Stockman Bank of Montana FDIC-insured?
- Yes. Deposits are FDIC-insured up to applicable federal limits.
- Does Stockman Bank of Montana offer high-yield savings accounts?
- Savings and money market accounts typically offer modest interest rates rather than high yields.
- Are there monthly maintenance fees?
- Some accounts may have monthly maintenance fees, often waived with qualifying balances or account activity.
- Does the bank offer online and mobile banking?
- Yes. Customers have access to standard online and mobile banking tools.
- Who should consider another option?
- Savers focused on maximizing APY or seeking advanced digital tools may prefer other account types.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Jan. 5, 2026.
