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Notice to First National Bank of Montana Visa Customers:
Visa USA now charges an International Service Assessment of 0.8% on international transactions, regardless of a currency conversion. If there is a currency conversion, the International Service Assessment is 1% of the transaction.

 
   
  On-Line Lending Resources - specifically designed for our customers, select from a variety of on-line "Financial" resources including small business issues, retirement planning, budgeting, home ownership, and insurance. Simply click on the link above to access the following articles and more.

Preparing to Borrow - Having an understanding of what a lender considers when making a loan approval decision can help relieve some of the anxiety of applying for a loan. This article also describes some actions to take before applying to improve your chances of approval.

Reducing Your Debt Burdens - Taking control of your borrowing can help relieve financial anxiety. Learn some ways to pay down, consolidate and control your debt.

Review Your Credit Report - A solid credit history can make borrowing easier and cheaper. Learn where to get a copy of your credit report.

Don't Let Anyone Steal Your Credit Identity - When someone uses your credit identity the costs and aggravation can add up. Learn some tips to keep your credit identity secure.

Before Buying Your First House - Buying your first house is a big step in your financial life. Be sure to understand some of the pros and cons of home ownership.

Evaluating Mortgage Types - Choosing a mortgage doesn't have to be complicated. The right type of mortgage can help you afford the house you want and manage your long-term finances.

Should You Refinance Your Home Mortgage - The ever-changing interest rate environment means you should periodically evaluate whether you should refinance your mortgage. Here are some suggestions and worksheets for you to use.

Home Equity Loans - The equity in your home can be a powerful financial tool. Learn how these loans work and why they can be an attractive form of "tax advantaged" borrowing for you.

Income Tax Implications of Home Ownership - Owning your own home can provide some tax deductions and potentially a reduction in your annual income tax bill. This article explores some of the favorable tax treatments homeowners can enjoy.