Frequently Asked Questions


Your Questions, Answered


Visit our security center to find out who to call in the event of a lost or stolen card.
 
As a temporary solution, use our CardProtect option in eMobile to turn your card off when your card is lost or stolen. Contact your local branch or call Customer Service to close the card and order a new one.
 
If you have any questions, please call our Customer Service Center 
1(877) 300-9369. Our hours are 7:30 AM - 5:30 PM, Monday through Friday, and 9:00 AM - 1:00 PM Saturdays, excluding bank holidays.
You may need this important 9-digit number that identifies Stockman Bank when setting up direct deposit, automatic bill payments and more!
Stockman Bank’s Routing number is 092905249
Our Central Customer Service hours are 7:30 AM - 5:30 PM, Monday through Friday, and 9:00 AM - 1:00 PM Saturdays, excluding bank holidays.
Give us a call at 1-877-300-9369 during these hours to speak to one of our friendly representatives.

It’s simple! Just click here to reorder checks  Follow the instructions and your new checks will be sent to you!

You will need to enter your account number and our routing number which is 092905249.

If you or your business have recently moved, you can easily notify us by calling or stopping in to your local Stockman Bank
We have over 100 Stockman Bank ATM locations throughout the state of Montana that are free to use when you use your Stockman Bank debit cards.
Yes, you will be charged a non-Stockman Bank ATM Fee of $1.00 in addition to the terminal fee charged by the ATM owner. To avoid ATM fees, use one of the many Stockman Bank ATMs located across Montana.
If you make a deposit at a Stockman Bank branch ATM before 12:00 noon on a business day that we are open, we will consider that day to be the day of your deposit. However, if you make a deposit at an ATM after 12:00 noon on a business day that we are open or a non-business day, we will consider that deposit was made on the next business day. Please note our holiday closures this year.
Yes, we offer a variety of online and mobile banking services for all of our business customers. Visit our online banking page to see all of the services that we provide!

Watch our Business Online Banking video for more information:
Business Online Banking icon

Watch our eBiz Mobile video for more information:
eBiz mobile video icon


You have many choices when it comes to choosing a bank. As Montana's largest privately-held, family owned bank, we are proud to offer a banking experience that puts you, our customer, at the center of all we do. Stockman Bank offers you the convenience and ease of banking when, where, and how you want, giving you the time and freedom to enjoy this great Montana life. 
 
Our commitment extends beyond our bank walls. Over the past year, we are proud to have contributed more than $1.5 million to Montana community organizations. More importantly, our employees contributed thousands of volunteer hours to events and organizations in their communities. To learn more about us, visit our blog.
To open a personal account, you must have:
  • A valid ID
  • A physical address
  • Date of birth
  • Social security number
  • Minimum opening deposit if the account requires it.
To open a business account, you must have:
  • Tax ID number
  • Certified articles of incorporation (LLC, LLP, Partnership Agreements, Corporate Resolutions, etc.)
No appointment necessary!
You can visit your local branch and they will assist you in opening an account. Keep in mind that this process can take up to 30 minutes. Please set aside enough time so we can serve all your banking needs and answer any questions as you get started. We welcome you to Stockman!
Not every account is the same! Check out which accounts we offer for Personal, Business, or Ag. Stop in to your local Stockman Bank to find out what is right for you!
Yes, the card will be ordered at the time of account opening.
Some of our locations now offer Instant Issue debit cards! Instant Issue allows you to have a debit card immediately. No waiting! No delays!

Contact or call your local Stockman Bank to find out if your branch offers Instant Issue.

Watch our Debit Card video to learn more:
Debit Cards video icon
With direct deposit, your pay check will go directly to your account. Never worry about losing a check again. Simply provide the payer with your account number and our routing number - 092905249.

If you have any questions, please call our Customer Service Center
1(877) 300-9369. Our hours are 7:30 AM - 5:30 PM, Monday through Friday, and 9:00 AM - 1:00 PM Saturdays, excluding bank holidays.
A Health Savings Account (HSA) is an account that is designed for people with a high deductible insurance plan looking for savings on health costs.

Watch our HSA video for more information: 
Health Savings Account video icon



We offer a wide variety of loans that can be customized to fit your unique situation. From auto and equipment loans, to real estate/home mortgage and home equity lines of credit, we offer customized Personal, Business, and Ag loans at competitive rates. Call or stop in to your local Stockman Bank to get started today!
A loan is a one time, lump-sum extension of credit for a specific amount that is to be paid back through periodic installments, with an agreed amount of interest.

A line of credit is different in that you are applying to have access to a specific amount of money, which can be used as needed over a period of time.

We offer a wide variety of customized Personal, Business, and Ag loans and lines of credit at competitive rates. The terms of these loans and lines vary, so call or stop in to your local Stockman Bank to find out more information!
Stop in or give us a call! You can always contact the loan officer who assisted you with your loan or stop by your local Stockman Bank. We are always willing to help you with any questions or concerns you may have regarding your loans.  

Our Customer Service Center is available for questions as well. Our hours are 7:30 AM - 5:30 PM, Monday through Friday, and 9:00 AM - 1:00 PM Saturdays, excluding bank holidays. Give us a call at 1-877-300-9369 during these hours to speak to one of our friendly representatives.
From start-up financing, to complex commercial loans and everything in between, we have you covered.
Learn more about the Business Loans we offer, or contact a Commercial Loan Officer to get started.






Enrolling in Online Banking as easy as 1, 2, 3! All you need is an enrollment PIN. To get an enrollment PIN your banker will provide one when you open your new account OR stop by any branch and request an enrollment PIN OR simply click here.
 
  1. Download the app to your mobile device or enroll now.
  2. Click “Enroll Now."
  3. Accept Terms and Conditions.

Online Banking allows you to bank from your smart phone, tablet, or desktop anytime, anywhere, 24/7! It also provides free online access to all of your accounts, so you can view balances, transaction history, and pending transactions.

Click below to download the app to your mobile device!

available in the app store button      android app on google play button      
eMobile banking employs industry best practices with regards to security. We offer the following security safeguards:
  • Fingerprint authentication is available for supported devices
  • Facial recognition is available for supported devices
  • Encryption
    • 128-bit encryption is used for all transactions.
  • Fraud
    • We utilize transaction validation and reconciliation processes to detect fraud.

To learn more about how we protect you, please visit our Security Center
  • If you need to reset your user name, contact us - by phone, email or stop by
  •  If you need to reset your password click here.
 
To speak with a customer service representative, call
1 (877) 300-9369, 7:30 AM - 5:30 PM, Monday through Friday, and 9:00 AM - 1:00 PM on Saturdays excluding bank holidays.
Yes, you can set up eAlerts to notify you when select activity occurs on your accounts.

  1. Enroll in eBank and then you can enroll in eAlerts
  2. Log into eBank
  3. Go to the upper right hand corner and click on ALERTS
  4. Follow the prompts to set up which accounts and which alerts you would like receive

You can set a Low Balance Notice as well as other eAlerts to keep you informed about everything that happens on your accounts.

Please watch our eMobile Tablet video for more information:
eMobile tablet video icon

You can schedule regular payments on ePay to make your life easier. In order to take advantage of ePay, you must be enrolled in either eBank or eMobile

To use ePay:

  1. Log in to your eBank account
  2. Go to ePay
  3. Click Companies & Bills
  4. Click Pay Billers
  5. Click Companies screen and select appropriate payee
  6. Click From account and select the account
  7. Click Amount and enter amount
  8. Click Payment date and select date
  9. Click Schedule Payment
  10. Confirm payment information displayed and then tap Pay to make payment

Watch our ePay video and Business Bill Pay video for more information:
ePay video icon  Business Bill Pay video icon
Your statements online are called eStatements! It is fast, easy AND no paper to file or shred! Your statements are available through eBank. You will receive an email alerting you that your statement is available for you to view. 


Check out our eStatements video to learn more:
eStatements video icon
The Popmoney® personal payment service eliminates the inconvenience of checks and cash by allowing you to send money to virtually anyone you know or owe directly from your bank account.  All you need is the recipient's email address or mobile number.  No hassles for you OR anyone else!

To get Text Message Banking, you must first have eBank. Login to eBank  to get started.

      1. Click on “Profile” at the top of the screen > “Manage Devices” > “Enroll Now”. Review and “Accept” the eMobile Terms and Conditions.
      2. From the Eligible Accounts list, select the account you wish to have access to in eMobile.
      3. For each account you select, enter a nickname in the Texting Nickname text box.
      4. Enter the phone number (including area code) for your mobile device in the Phone Number text box.
      5. Choose the services you would like to use with eMobile.
      6. Click Next. The system sends an activation code to your mobile device via text message.
      7. Enter your activation code in the Activation Code text box.
      8. Click Activate. The Activation Successful page appears, indicating that your eMobile enrollment was successful. The system also sends a text message containing a short code for your mobile device

Text Message Banking is an easy way to check account balances, review recent account activity, or find ATM and branch locations near you - all with a simple text message.

*Standard message and data rates may apply
 

Visit our security center to find out who to call in the event your card is lost or stolen.
 
We also offer you the security to turn your card off in the mobile app through CardProtect. You have the ability to turn your card off and when you find it, turn it back on.
It’s simple! All you have to do is call or visit your local Stockman Bank.

Some of our locations offer Instant Issue! Contact or call your local Stockman Bank to find out if your branch offers Instant Issue.
 
Check out our Debit Card video for more information:
Debit Cards video icon
Yes! We use chip cards on our debit cards for an added layer of safety.

Watch our EMV Chip Cards video for more information:
EMV Chip cards video icon
If you have received your debit card at the branch, it is activated.
 
If you receive your card in the mail, it will arrive with a removable sticker on it with a phone number for you to call to activate your card. Simply call the number provided and follow the step-by-step instructions. You will be ready to go in no time! If your sticker is missing or removed, call 1(800) 992-3808 and you can also set the PIN with this phone number.
Yes, we offer cards that provide you a convenient and safe way to quickly make purchases for your business!
Learn more about our Business Cards to find out which one is right for you.
Yes! We may be contacting you! To protect your account, we have partnered with Fiserv’s Fraud Detection Center to monitor your debit card transactions for potentially fraudulent activity. This may include sudden change of locale (such as when a US issued card is used unexpectedly overseas), a sudden string of costly purchases, or any pattern associated with new fraud trends around the world.

To learn more about how we are protecting you, check out our Security Center.
Contact us right away. Call 1(877) 300-9369 between 7:30 AM - 5:30 PM, Monday through Friday, and 9:00 AM - 1:00 PM on Saturdays excluding bank holidays. You can always stop by one of our banks where we can assist you.
Yes! To notify us that you will be traveling, please call your local bank.

For Credit Cards, please call 1(800)367-7576 and let a customer service representative know about your travel plans.

If your Credit Card was issued before October 2016 please call 1(800)558-3424.

Have a great trip and safe travels!
Our card options are designed to meet all your needs and fit your unique Montana lifestyle. Whether you want to get rewarded for everyday purchases, or use your card for emergencies, we have options for you!
We have a variety of Visa® and MasterCard® card options to choose, including:

Low Rate Card
Preferred Points Card
World Card
Standard Business Card
Preferred Points Business Card

Learn more about our Personal Cards.
Learn more about our Business Cards.

Stop by your local Stockman Bank to apply!
Contact Cardholder Customer Service at 1(800) 367-7576 or visit their website.

CardProtect is an entire suite of tools that help keep your debit card safe and secure!
 
If you lose your debit card, simply turn your card off!
When you find your debit card, simply turn it back on!
 
In addition to turning your card on and off, you can also block your debit card transactions:
  • Outside of a specified region or outside the United States.
  • At certain types of merchants.
  • Over an amount you set. 
  • And you can block ATM withdrawals over an amount you set.
 

We also offer Text Fraud Alerts 

With Text Fraud Alerts, if we detect suspicious activity on your debit card, you will receive a text message with details about the suspected transaction. All you have to do is respond to the text with a "yes" or "no" to confirm or deny the transaction.
If you misplace your debit card, login to the mobile app and click on the Manage My Cards feature. From there, choose the card you want to block and select the ‘Block My Card’ option to put a temporary block on transactions.
All transactions will be temporarily blocked except pending and recurring transactions.
Once you find your card, log back in to the mobile app and click on the Manage My Cards feature. From there, choose the card you want to unblock and change the ‘Block My Card’ option to lift the temporary block on transactions.
You can block your card as often as you want, in seconds, through the mobile app.
If you think your card is permanently lost or stolen, contact us to cancel or replace your card. Call 1(866) 914-4595.
If you have temporarily misplaced your card, go to the mobile app and turn your card off until it is found.
Yes, you can set a number of limits on debit cards:

Transaction Amount Limits – Block card transactions and ATM withdrawals over an amount you set if they are equal to or less than our preset limit.

Locations Limits – Block card present transactions outside a selected area.

Merchant Limits – Block card present transactions at certain types of merchants.



Mobile deposits are convenient and easy. Follow the steps below to make a mobile deposit.

  1. Launch the Stockman Bank app and log in
  2. Endorse the back of the check just as this photo shows: 
    Example of a properly endorsed "for deposit only" check.

    You must write "For Mobile Deposit Only" followed by your account number, followed by your signature.
  3. Choose Deposit → Deposit Check
  4. Choose the account where your funds will be deposited.
  5. Enter the amount of the check, which must be greater than $1.00.
  6. Take a photo of the front of the check and the back of the check.  
  7. Once both sides are captured correctly, click Confirm.
  8. You can check the status of the deposit anytime.

Important Tips for Making a Mobile Deposit:
  1. Make sure the background has a strong contrast to the check.
  2. Make sure the entire check is in the photo – both front and back.
  3. Make sure the photo is well lit and in focus.
  4. Be certain to have the proper endorsement.

*Mobile deposits are not open to everyone.  You may need to meet certain criteria to participate. Please check with your banker for more information.
We use advanced encryption and security technology to ensure your information remains safe and secure.

Advanced encryption technology masks your sensitive information. Remember to always log off when you finish using the App.
We recommend you retain the check for 14 days or until the check clears.
Mobile deposit limits are
  1. $2500 per check
  2. A daily limit total of $2500
Most checks are accepted as long as they are clear and have a routing number and account information.

Important Tips for Making a Mobile Deposit: 
  1. Make sure the background has a strong contrast to the check
  2. Make sure the entire check is in the photo – both front and back
  3. Make sure the photo is well lit and in focus
Your funds are available the next business day if you deposit before 6:00 pm. Deposits received after 6:00 PM will be processed the next business day and will generally receive credit the following business day after it has been processed.

For example, if you make a deposit before 6:00 PM on a Tuesday, funds are generally available on Wednesday. However, if you make a deposit after 6:00 PM on a Tuesday, funds are generally available on Thursday.

The Banks’ Funds Availability Policy and Disclosure apply to these deposits.
A check will be rejected straight away if the front, back and the endorsement on the check cannot be read.

Important Tips for Making a Mobile Deposit:
  1. Make sure the background has a strong contrast to the check
  2. Make sure the entire check is in the photo – both front and back
  3. Make sure the photo is well lit and in focus



Cash Management Support
Monday - Friday 7:30 AM - 5:30 PM excluding bank holidays
Phone: 1(855) 818-4517
I don't know my access ID?
 
Your Cash Management Specialist will contact you with your Access ID when set up is complete.
 
I know my Access ID but I don't have a password?
 
Contact your local branch or Cash Management Support.
 
Cash Management Support
Monday - Friday 7:30 AM - 5:30 PM excluding bank holidays
Phone: 1(855) 818-4517
There are links on the website to help you retrieve your Access ID and reset your Password. Or contact your local Stockman branch or Cash Management Support.
 
Cash Management Support
Monday - Friday 7:30 AM - 5:30 PM excluding bank holidays
Phone: 1(855) 818-4517
We offer both eBiz and eBank services to businesses. Your small business may be an eBank Small Business customer. If you are unsure whether you are an eBank or eBiz customer, contact your local Stockman Bank or Cash Management Support.

Cash Management Support
Monday - Friday 7:30 AM - 5:30 PM excluding bank holidays
Phone: 1(855) 818-4517
eBiz and eBank services are available. The applications are similar, however the eBiz app has the word Business at the bottom of the app logo:
Stockman Logo for eBiz mobile app
 
If you are unsure whether you are an eBank or eBiz customer, contact your local Stockman Bank or Cash Management Support.
 
Cash Management Support
Monday - Friday 7:30 AM - 5:30 PM excluding bank holidays
Phone: 1(855) 818-4517
Is this your first time logging in?
The mobile app cannot be used for your first log in. Use an internet browser i.e.; Internet Explorer, Chrome, Firefox or Safari, to navigate to the Stockman website and set up your new access.
Contact your local Stockman Bank or Cash Management Support.
 
Cash Management Support
Monday - Friday 7:30 AM - 5:30 PM excluding bank holidays
Phone: 1(855) 818-4517
You may not have access to eBiz at this time depending on what access you have been granted by the account owner. Contact your local Stockman Bank or Cash Management Support.
 
Cash Management Support
Monday - Friday 7:30 AM - 5:30 PM excluding bank holidays
Phone: 1(855) 818-4517
Select - Show All Accounts to see all of your accounts.
 
Select - Groups (top right corner of the accounts heading) to show all accounts in their appropriate group.
 
Select - Edit next to the Favorite Accounts (top left corner of the accounts heading to add additional accounts to your Favorite Accounts.


eBiz is our full suite of Cash Management products and services. These services are designed to help you manage your cash and operate more efficiently. Whether you have a large or small business, our Cash Management Specialists can help.
Cash Management (eBiz) is available to any bank customer with a business account.
Contact your local Stockman Bank to speak with one of our Cash Management Specialists. They will gladly work with you to set up a Cash Management package that suits your business.
Yes, you can grant use of Cash Management services to your employees! A Cash Management Specialist will work with you to customize each employee’s access.
Yes! Information from the accounts and services in your eBiz can be downloaded to your computer and then imported into your software application.
 
Some accounting software may support importing of data to your eBiz account.
Check out our Cash Management page to learn more about the full suite of eBiz Cash Management products and services we offer! 
 



Automated Clearing House (ACH) services allow you to originate electronic payments and deposits directly from your business account(s), including Payroll (Direct Deposit), Accounts Payable and Accounts Receivable (Consumer or Corporate).
 
As well as:
  • Direct Deposit Payroll processing for your employees.
  • Accounts Payable origination for expense reimbursements, dividends, flex spending, utility payments and other automatic or recurring payments.
  • Accounts Receivable origination for client billing, membership dues, donations and other recurring receivables.
  • Transfer funds between your accounts held at other banks in the USA.
  • Receive ACH confirmation emails.
If you want to submit a next-day ACH, it must be submitted no later than 5:00 PM. If it is after 5:00 PM, the file effective date must be the following business day. If the file must go out tomorrow, same day ACH services are available at an additional cost and must be processed by 11:00 AM.
File not Originated: Memopost Completed with Errors
Funding account has insufficient funds. Transfer funds to cover the file and resubmit.

Pending Origination
The ACH File has not yet been processed through the FED. The processing times are 9:00 AM MST, 11:30 AM MST, 3:00 PM MST, and 5:00 PM MST.
Once the files are processed the status will change.

Transfer Exceeds Review: Pending Approval
The file is pending approval from Cash Management Support/Client Representative.
Message from webpage
Transfer to Amount Exceed the Template Amount Range.
The template limit can be increased for this instance with email confirmation from an authorized company representative. Contact your local branch or Cash Management Support
 
Cash Management Support
Monday - Friday 7:30 AM - 5:30 PM excluding bank holidays
Phone: 1(855) 818-4517
Contact your local Stockman Bank to speak with one of our Cash Management Specialists. The specialist will work with you to add the additional services your business needs.
If the first number of the routing number is a 5, it is an internal routing number from a deposit slip and cannot be used for direct deposit purposes. The employee will need to provide the routing number from a check. It is also possible to get the correct routing number from the employee’s bank.
You should have access to approve the file on the eBiz Mobile app. If you do not have access, we can make the changes required to allow you to approve on the eBiz Mobile app. Contact your local branch or Cash Management Support.
 
Cash Management Support
Monday - Friday 7:30 AM - 5:30 PM excluding bank holidays
Phone: 1(855) 818-4517
We must receive the file before 5:00 PM. If the file must go out tomorrow and you have missed the 5:00 PM deadline, same day ACH services are available at an additional cost and the file must be processed by 11:00 AM. Contact your local branch or Cash Management Support.
 
Cash Management Support
Monday - Friday 7:30 AM - 5:30 PM excluding bank holidays
Phone: 1(855) 818-4517


Wire Transfers allow you to transfer funds quickly and securely directly from your business account(s).
  • Establish recurring or one time wire transfers. 
  • Limit wire access by transaction amount.
  • Receive wire confirmation emails.
You should have access to approve the wire on the eBiz Mobile app. If you do not have access, we can make the changes required to allow you to approve on the eBiz Mobile app. Contact your local Stockman branch or Cash Management Support.
 
Cash Management Support
Monday - Friday 7:30 AM - 5:30 PM excluding bank holidays
Phone: 1(855) 818-4517
We must receive the wire before 3:00 PM or the wire will not process until the next business day.
Wire not Originated: Memopost Completed with Errors
Funding account has insufficient funds. Transfer funds to cover the wire and resubmit.

Transfer Exceeds Review: Pending Approval
The wire is pending approval from Cash Management Support/Client Representative.
Message from webpage
Transfer to Amount Exceed the Template Amount Range.
The template limit can be increased for this instance with email confirmation from an authorized company representative. Contact your local branch or Cash Management Support.
 
Cash Management Support
Monday - Friday 7:30 AM - 5:30 PM excluding bank holidays
Phone: 1(855) 818-4517





Remote Deposit Capture allows you to deposit checks electronically right from your business. Stockman Bank provides the scanner and software. Checks are scanned and sent electronically.
  • Save time spent processing deposits.
    • No deposit slip required.
    • No endorsement required.
  • Improved funds availability.
  • Reduce the risk of check fraud with faster check clearing.
  • Eliminates trips to the bank and deposits can be made when it is convenient for you.
Verify that the scanner is plugged in and turned on. Check all connections from the computer to scanner. Log out and back in to try again.
 
Contact Cash Management Support
Monday - Friday 7:30 AM - 5:30 PM excluding bank holidays
Phone: 1(855) 818-4517
An email confirmation of the deposit error will be required.
 
Contact Cash Management Support
Monday - Friday 7:30 AM - 5:30 PM excluding bank holidays
Phone: 1(855) 818-4517

If the deposit is no longer pending, you will need to switch the radio button from Pending Deposits to All Deposits.

If the deposit was made on a previous business day, you will need to change the search parameters. There is an arrow at the right end of the search bar. The drop down will allow you to change dates ranges.

Daily cut off time is 6:00 PM, Monday through Friday, excluding bank holidays. Remote Deposits made before 6:00 PM should be seen in your account that day, and will be available the next business day.
Yes! Information from services in your eBiz can be downloaded to your computer and then imported into your software application.
You must keep the checks in a secure location for 30 days and after 30 days the checks must be destroyed.

Look for items that scanned but the amount does not match what the check was written for.

Individual handwriting on checks will very commonly be the cause of this problem. When you click “review” to review your deposit, items that had an amount read error can be resolved by clicking on the item image. A pop up screen then provides you the option of correcting the amount for that particular check.

Another reason the deposit may be out of balance is that the deposit total entered was incorrect.

Try cleaning the machine rollers using the instructions provided in the machine’s user manual.

Try to make the batches of checks being run through the machine smaller.

Running too many checks in a single batch can make it difficult for the machine’s spring to apply enough pressure to the batch to separate the individual checks as they go through the machine.