More opportunity for your business.
Managing your business is hard work, but with Opportunity Bank's business solutions, you'll get more for your business at competitive prices and with the support from our local teams.
The right tools can give you more.
More time. More efficiency. More peace of mind. And more opportunity to make your business the best it can be.
Business Checking Account Options
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Contact our Business Relationship team today,
or reach out to your local branch for an introduction.
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Brandi Schweigert
VP, Business Relationship Director
406-932-2111
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Brandi Mergenthaler
AVP, Business Relationship Officer
406-602-8367
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Insured Sweep Account
With ICS®, the IntraFi Cash Service®, you can work directly with just our bank to access millions of dollars in aggregate FDIC insurance across network banks. Contact one of our Business Relationship team members to learn more.
With ICS, you can:
- Rest assured. Know that deposits well into the millions are eligible for aggregate FDIC insurance protection across network banks. Market volatility will not negatively impact principal because deposit accounts are not subject to floating net asset values.
- Earn interest. Put cash balances to work. Interest may compare favorably to Treasuries.
- Keep it simple. Avoid opening multiple accounts with multiple institutions to protect your funds. Forego the need to use repo sweeps, track collateral on an ongoing basis, and manually consolidate statements and disbursements from multiple banks.
- Manage liquidity. Enjoy access to funds placed into demand deposit accounts and money market deposit accounts.
- Support your community. Feel good knowing that the full amount of funds placed through ICS can stay local to support lending opportunities that build a stronger community.1
Note: A list identifying IntraFi® network banks can be found at www.IntraFi.com/network-banks. Certain conditions must be satisfied for “pass-through” FDIC deposit insurance coverage to apply.
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Business Online Banking
For businesses of any size, our Business Online Banking service provides free, secure, 24/7 access to your accounts. View detailed transaction history, make transfers, view check images, access electronic statements, and more.
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Business Mobile Banking
Our Business Mobile Banking app allows you to access your business accounts wherever you go! Deposit checks, view up-to-date account balances and recent transaction history, and quickly transfer funds between your business accounts. You also have the ability to approve wire, ACH, and Positive Pay transactions and receive alerts for transactions waiting approval.
Business Online Banking enrollment and Cash Management agreement required before use.
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Business Online Bill Pay
Business Online Bill Pay is a convenient and easy way to make all of your payments in one place with one secure password. Save time and postage by using Business Online Bill Pay to make payments without visiting multiple biller sites or mailing checks. Schedule repeating payments and set up payment reminders with just a few clicks.
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Merchant Services
Through our partnership with Select Bankcard, we offer solutions that make it easier to accept a range of payments from your customers. Take advantage of competitive rates, robust reporting and a variety of equipment options for in-store, online or mobile transactions.
We offer a no cost, no obligation analysis of your current merchant services program. Contact a Banker to learn more.
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Remote Deposit Capture
Our Remote Deposit service allows you to scan your check deposits online from your office using a scanner provided by the Bank.
- Conveniently make deposits with us any time, day or night (cutoff times apply)
- Save time, money and gas by making fewer trips to drop off deposits with us
- Speed up access to funds
- Reduce storage hassles with online access to deposited items
- Save time preparing deposits
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Visa® Business Debit Card
Use your free, instantly-issued Business Debit Card to pay directly from your checking account everywhere Visa® is accepted.
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Visa® Business Credit Card
Our Visa® Small Business Credit Card is a great fit for your business. Conveniently make business purchases while enjoying a variety of benefits. Business Credit Cards are issued by TCM Bank, N. A., and subject to credit approval. For more information, or to apply online, click here.
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Positive Pay
Help protect your business from common check fraud schemes with Positive Pay. Positive Pay is an automated, online check fraud detection tool designed to reduce the risk of loss and fraudulent activity on business checking accounts, helping to ensure every check written by your business is used as intended.
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ACH Origination
Automated Clearing House (ACH) services may help you save time and resources by originating electronic payments directly from your business.
- Save time processing monthly payroll or monthly dues collection
- Reduce expense of processing, storing, and reconciling manual checks
- Improve security and cash flow predictability
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Business Online Wire Transfers
Conveniently initiate domestic wire transfers online, without a trip to the bank.
- Multi-factor authentication helps provide additional security
- Set up templates for added convenience
- Save money on in-branch wire transfer fees
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ZRent
ZRent is a Landlord and Property Manager Tool for Automatic Rent Collection. ZRent is beneficial for both the tenant and the landlord. It works by automatically deducting rent payments from the tenant’s bank account and deposits them directly into the landlord’s account. After a one-time registration process, tenants can set and forget their monthly payments, and landlords will no longer have the hassle of collecting checks and making the trip to the bank. ZRent eliminates late or lost rent payments. ZRent is completely free for all tenants to use. It is also free for landlords with an Opportunity Bank operating account. ZRent is brought to you by Opportunity Bank of Montana. Contact a Banker today or learn more here.
ZRent
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1 When deposited funds are exchanged on a dollar-for-dollar basis with other institutions that use ICS, our bank can use the full amount of a deposit placed through ICS for local lending, satisfying some depositors’ local investment goals or mandates. Alternatively, with a depositor's consent, our bank may choose to receive fee income instead of deposits from other participating institutions. Under these circumstances, deposited funds would not be available for local lending.
Deposit placement through ICS is subject to the terms, conditions, and disclosures in applicable agreements. Deposits that are placed through ICS at FDIC-insured banks in IntraFi’s network are eligible for FDIC deposit insurance coverage at the network banks. The depositor may exclude banks from eligibility to receive its funds. To meet conditions for pass-through FDIC deposit insurance, deposit accounts at FDIC-insured banks in IntraFi’s network that hold deposits placed using ICS are titled, and deposit account records are maintained, in accordance with FDIC regulations for pass-through coverage. Although deposits are placed in increments that do not exceed the FDIC standard maximum deposit insurance amount (“SMDIA”) at any one bank, a depositor’s balances at the institution that places deposits may exceed the SMDIA before settlement for deposits or after settlement for withdrawals. The depositor must make any necessary arrangements to protect such balances consistent with applicable law and must determine whether placement through ICS satisfies any restrictions on its deposits. IntraFi, ICS, and IntraFi Cash Service are registered service marks of IntraFi LLC.
