Montana's vast geography — the 4th largest US state but 44th in population — means banking here is defined by distance: long drives to the nearest branch, heavy reliance on mobile banking, and credit unions that span counties rather than metro areas.
Glacier Bancorp, headquartered in Kalispell, Montana, is the state's dominant banking force — a holding company that operates dozens of community bank subsidiaries across eight western states. Montana has one of the lowest bank branch densities per capita in the contiguous US, making mobile deposit and direct deposit critically important for residents in rural areas like the Hi-Line or Eastern Montana plains.
National Banks in Montana
These banks use Montana-specific ACH routing numbers for accounts opened in Montana.
| Bank | ACH Routing # | Wire Routing # | Notes | Verify |
|---|---|---|---|---|
| Capital One | 051405515 | 056073502 | Capital One uses a single routing number for all states. | Verify |
| Ally Bank | 124003116 | 124003116 | Ally is online-only and uses the same routing number for all states. | Verify |
| Charles Schwab Bank | 121202211 | 121202211 | Schwab Bank uses a single routing number nationwide. | Verify |
Finding Your Routing Number on a Montana Check
The 9-digit number at lower-left is your ACH routing number. Wire routing numbers differ and are not printed on checks.
Regional Banks in Montana
Headquartered or major operations in Montana. Typically one routing number statewide.
Glacier Bancorp (MT HQ)
SiteKalispell, MT. Montana's largest bank holding company. Operates across 8 western states.
First Security Bank (MT)
SiteBozeman, MT community bank serving Gallatin County and Big Sky area.
Stockman Bank
SiteMiles City, MT agricultural bank serving eastern Montana ranchers.
Opportunity Bank of Montana
SiteHelena, MT community bank serving the capital region.
Montana Credit Unions
Glacier Bancorp, headquartered in tiny Kalispell, Montana, manages over $27 billion in assets across 8 western states — one of the most geographically expansive community bank holding companies in the US.
FAQ — Montana Routing Numbers
Glacier Bank uses 092900383 for Montana ACH accounts. Glacier Bancorp is headquartered in Kalispell, Montana — this is its home routing number. Since Glacier operates across eight western states through subsidiary brands, you may encounter the same routing number in Idaho, Wyoming, or other Mountain West states.
Chase uses 092300010 for ACH transactions on Montana accounts. Chase has very limited branch presence in Montana — most Chase customers in the state manage their accounts primarily online or via ATM. Wire transfers use Chase's national number: 021000021.
Stockman Bank is headquartered in Miles City, Montana and specializes in agricultural lending for eastern Montana ranchers and farmers. It's one of the few banks in the US that still offers ag-specific products like livestock loans and operating lines of credit tied to commodity prices. Their routing number is 092901683.
Mobile check deposit and ACH direct deposit are essential for rural Montana residents. Most banks serving the state offer robust mobile apps for this reason. For wire transfers, many rural Montanans drive to the nearest branch city (Billings, Great Falls, Missoula, or Kalispell) or initiate wires by phone with their bank's wire department.
A routing number is a 9-digit ABA code identifying a financial institution. National banks maintain state-specific routing numbers inherited from regional bank acquisitions to avoid disrupting millions of existing direct deposit setups.