1st Bank Sidney

1st Bank (Sidney, MT) used to provide banking services and products.

The company used to be namedĀ 1st United Bank of Sidney but they have changed their name to 1st Bank in June 1998.

The company was originally founded in 1975.


The company is based in Broadus, Montana.

1st Bank (Sidney, MT) used to beĀ a subsidiary of 1st United Bancorporation, Inc.

Here’s how the top of their website used to look like:

1st bank top bar from their old website

Some of the services the bank used to provide

Personal Accounts

  • Basic Checking
    • No minimum balance
    • $7 monthly service charge
    • No per check fees
  • Personal Checking
    • $200 minimum balance or $1000 average collected balance
    • $5.00 monthly service charge and $0.20 per withdrawal if below minimum or average collected balance
  • 1st Free Checking
    • No minimum balance
    • No monthly service charge
    • Checks must be purchased through 1st Bank
    • Check safekeeping
  • Senior Checking
    • No minimum balance
    • Customers age 62 and older
    • No monthly service charge
  • Senior Interest Checking
    • $500 minimum balance or $2000.00 average collected balance
    • $5.00 monthly service charge if below minimum or average collected balance
    • Customers age 62 and older
  • Interest Checking
    • $1000.00 minimum balance or $5000.00 average collected balance
    • $10.00 monthly service charge and $0.25 per withdrawal if below minimum or average collected balance

Business Accounts

  • Business Checking I
    • $500 minimum deposit to open
    • 50 free items deposited monthly, 20 cents per deposited item thereafter
    • 75 free withdrawals monthly, 20 cents per withdrawal item thereafter
    • $7.00 monthly service charge and 20 cents per check and all items deposited if below the minimum balance
  • Business Insured Market Fund
    • $1,000.00 minimum balance or $5,000.00 average collected balance
    • $10.00 monthly service charge and $0.25 per withdrawal if below the minimumĀ  or average collected balance
    • Limit of 6 withdrawals per statement cycle (only 3 can be be check)
  • Business 1st Fund
    • $25,000 minimum deposit
    • 3 free withdrawals per statement cycle $2.00 per withdrawal (of any kind) thereafter
    • $10 monthly service charge for balances below minimum balance
    • Limit of 6 withdrawals per statement cycle (only 3 can be by check)
  • Business Checking II (Fees based on account analysis)
    • No minimum balance
    • $7.00 monthly service charge
    • $0.15 per deposit charge
    • $0.15 per check or withdrawal charge
    • $2.00 charge for returned item processed against the account
    • Deposited checks fees-on 1st Bank $0.06/check-Local clearing bank $0.08/check-Transit (Fed. Reserve)-$0.10/check
    • Interest charge of 1% over New York Prime Rate on negative collected balance
    • 3% reserve requirement deducted from ledger balance
    • Credit computed monthly, made available to offset service charge
    • Rates for interest bearing accounts are subject to change and may be obtained from 1st Bank

Loans

  • Agriculture
    • 1st Bank offers a full line of credit for farmers and ranchers.Ā  You can finance your operation, livestock and equipment purchases and even that farm or ranch you’ve dreamed of.Ā  Check out our rates and terms.
  • Commercial
    • 1st Bank can meet the financing needs of your business whether it be large or small.Ā  Check out our rates and terms.
  • Residential
    • 1st Bank offers a variety of rates and terms for the purchase, construction, or refinancing of your home.Ā  Conventional or government guaranteed loans are available.Ā  Call or stop in for the details.
  • Personal / Consumer
    • 1st Bank offers reasonable rates and terms to finance that new or used car.Ā  Other personal loans are available.Ā  Check our rates and terms.

CD’s & Savings

  • Certificate of Deposit
    • Interest rates are tiered: $500.00 to $24,999.99
      $25,000.00 to $74,999.99
      $75,000.00 and over.
    • Interest paid at maturity for 91 day,Ā  6 month and 1 year CD’s; annually on 2, 3, and 4 yr CD’s
    • Restrictions may apply.Ā  Fees could reduce earnings on the account.Ā  Early withdrawal penalties may apply.
  • Personal Savings
    • $50.00 minimum balance or $500 average balance
    • $1.00 monthly service charge if below the minimum or the average collected balance
    • 3 free withdrawals monthly, $0.50 per withdrawal thereafter
  • Insured Market Fund
    • $1,000.00 minimum balance or $5,000.00 average collected balance
    • $10.00 monthly service charge and $0.25 per withdrawal if below the minimumĀ  or average collected balance
    • Limit of 6 withdrawals per statement cycle (only 3 can be be check)
  • 1st Fund
    • $25,000 minimum balance
    • $10 monthly service charge for balances below minimum balance
    • 3 free withdrawals per statement cycle $2.00 per withdrawal (of any kind) thereafter
    • Limit of 6 withdrawals per statement cycle (only 3 can be by check)

Cash Card

  • Free to all 1st Bank customers.
  • ATM availableĀ  at SPF/Exxon 24 hours a day, 7 days a week.
  • ATM allows cash withdrawals, transfers and account inquiries.
  • Electronically linked to other ATM locations worldwide through CIRRUS, PLUS, and Cash Card Network.
  • No charge for using 1st Bank ATM at SPF/Exxon, 1st Bank will charge $1 per withdrawal for the use of any other ATM.Ā  This fee is in addition to any fees charged by that ATM owner.
  • $5.00 replacement card fee

Check Card

  • Debits your checking account automatically.Ā  Your Visa check card is welcome everywhere that accepts Visa debit cards.
  • All services of Cash Card.
  • $1.00 monthly service charge.
  • $10.00 replacement card fee.

Here’s how their homepage used to look, screenshot:

1st sidney home page screenshot