Frequently Asked Questions

We have developed these Frequently Asked Questions to assist you.  If you have questions that are not covered here, please contact us.


How do I apply for a job at Opportunity Bank?

Refer to our Career Opportunities page for a listing of positions for which we are currently recruiting. Each job posting will include a description of the position and application instructions.

What is Opportunity Bank of Montana's check routing number?

The bank routing number is the first nine numbers along the bottom left section of your check. 292070806 is the routing number for Opportunity Bank. The routing number is required for electronic funds transfer.

Can I get information about my account by phone?

Yes! Opportunity Bank has two ways of serving you by phone. Contact our Customer Support Center at 888-750-2265 (BANK), or the branch nearest you, to speak with a member of our team who will be happy to review your account with you and answer your questions. Also, after hours you can reach our 24-Hour Telephone Banking voice response system at 888-750-BANK (2265).

Can I open an account if I don't live in Montana?

We restrict account openings to our market areas. To open an account, you may visit any of our branches or apply for an account online. 

How do I make a deposit to my account from a remote location?

You can do most of your banking by using direct deposit or ACH (Automated Clearing House) transactions. You can also mail in nonrecurring deposits to our mailing address. The fastest method would be using Mobile Deposit through our mobile app. Contact us for details on a method that's best for you.

Will I be able to use Bill Payment with any of my accounts?

No. Only an Opportunity Bank checking account can be used.

How does online bill payment work?

To establish your bill payment account log into your online banking account and click on your primary funding checking account, click on the Bill Payment link. You can set up a payment to anyone: individual or business. In just a few simple steps, you can establish one time or recurring bill payments.

What bills can I pay through Online Bill Pay?

Pay practically anyone; charge accounts, utilities, auto loans, even your doctor or day-care center.

How many days does it take for a payment to reach the payee?

Select the date you want the payee to receive the payment, and the payment will be sent out in time to reach the payee by that date.

What is my PIN?

Your initial enrollment PIN (Personal Identification Number) for online banking is the last four digits of your Social Security Number (SSN).  The system will not accept leading zeros, so, for example, if the last four digits of your SSN are 0327, simply enter 327.  

You can establish a PIN for your debit card during card activation. 

What happens if I forget my password?

If you forget your Password, Enter your Access ID and click on the Forgot Password link to have a temporary password emailed to you. You can also call an Opportunity Bank branch nearest you during regular banking hours.

Can anyone else see my accounts over the Internet?

No. We are using the latest in technology to keep account information 100% secure. There are security features at every level - from your PC, to the Internet, to the secure network. The following features are enabled for full security:

  • Access ID in place of your SSN;
  • After six (6) months of no login activity, a user's online banking access is suspended as an additional security measure; 
  • Security Questions, also known as Mutifactor Authentication;
  • Lock-out status. Access is denied after the third consecutive invalid log-in;
  • Time-Out. This ensures that Account Access will shut off automatically after a designated period of time;
  • Exit Button. This exits Online Banking and properly ends the session;
  • Cache Security. This ensures that no one can view a customer's account information by accessing his cache file;
  • Encrypted URL. This ensures that any account information that appears in the URL is not readable; and
  • SSL (secure sockets layer) protocol. This protocol allows for the transfer of digitally-signed certificates for authentication procedures, and provides message integrity, ensuring that the data can't be altered during a transaction. Web pages usually start with https with SSL protocol instead of http.

I keep hearing a lot about encryption. What exactly is it, and why does it make everything more secure?

Encryption is a way to rewrite something in a code that can then be decoded later with the right key. The encryption we use employs a mathematical process for the key that is made up of a certain number of bits (hence, 256-bit encryption). The higher the number of bits, the better the encryption, the better the security. While using our Online Banking System, all communication from you to the system and from the system to you is encrypted using a maximum of 256 bits. In other words, when you send information to the system, your browser encrypts it using a 256-bit key, then sends it to the system. The system then decodes the information you sent it using the key (which is predetermined when your Online Banking session is started) and processes it.

I'd like to know more about the security methods you have implemented. Where can I read more?

For a more detailed description of the security features in our Online Banking System, please see our Online Banking System Security Overview.

Opportunity Bank of Montana may have reported an error to one of the Credit Reporting Agencies on my behalf. What can I do to dispute this?

If you believe we have reported an error to a credit reporting agency, please print and fill out our Credit Dispute Form. You may either mail or deliver this form to your nearest branch location.

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