Friends using Mobile Phones

Online and Mobile Banking Features You Can’t Live Without

Banking on your phone, computer or tablet is getting more and more robust with all the features we offer. We are sure when you use our online and mobile tools, you’ll wonder how you ever lived without them.

Banking anytime, anywhere

Banking anytime, anywhere.

Right now, many of us are staying close to home which makes mobile deposit handy for everyone. And with the extra time at home, it really is possible to set a budget using our Money Management tools. You can check on your credit score, decide who you want to include on your accounts, and set up alerts for every transaction over 1¢. How cool is all that? Check out the features that are sure to be your favorites.

Favorite Features aka Your Banking Tool Kit!

  1. Mobile Deposit
    This convenient way to deposit a check lets you check off “go make a deposit at the bank” from your to-do list! It is as easy as taking a photo with your smart phone. Simply follow the prompts and you’ll be amazed at how easy it is! To get started with this feature, click on “Check Deposit” in the main menu.
  2. CreditStory
    You have instant access to everything you need to know about your credit, when you want it, all in one place. The best part? It’s free! This feature allows you to receive daily credit alerts for major changes, view your credit score as often as you’d like, access your credit report, identify credit bureau errors, better understand the factors that impact your score, and enjoy financial tips to improve your score. CreditStory soft pulls your credit history, so it doesn’t affect your overall score no matter how often you check it. Start using CreditStory by clicking the “More” option on your app menu. Choose “Credit Story” and you’re on your way!
  3. Budgeting
    Creating a budget couldn’t be easier! Our Budgeting tool allows you to add accounts from other financial institutions to help you paint a better financial picture. You can view your transactions, spending habits and trends, manage your debts, view your net worth, set goals and create and manage budgets. To start creating a budget that is worth sticking to, click on the “More” option of your app menu. Choose “Money Management” and follow the prompts to begin creating a budget.

    Our Money Management tools are here to help.

    Our Money Management tools are here to help.

  4. Shared Access
    This feature is excellent for customers who want to provide family members, accountants or other trusted third parties the ability to help them with their finances. Leveraging the Shared Access feature, you can provide easy and secure access to some, or to all your Stockman accounts, without having to provide your confidential login information. You will have total control to provide these trusted advisors with as much, or as little ability you desire to conduct business on your behalf. To activate this feature, log into your account through your browser. Select “More Options” and choose “Share Access with Others.”
  5. Alerts
    Set up alerts to help you know when a deposit and/or a withdrawal takes place in your accounts. It’s easy to do and the parameters you set can be whatever fits your lifestyle best! Alerts can be set on transactions as small as $0.01! You can also receive alerts on balance updates and low balances. To begin creating Alerts, go to “More” on the main menu. Click “Settings”, then select “Push Notifications”. Start customizing!

The good news is we are here to help you if you have questions or just need to know which buttons to press. Contact Customer Service at 1-877-300-9369 or find your closest bank and speak directly with a banker. Our online banking and mobile app will become your banking tool kit!

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Thank you!

A Heartfelt Thank You

As we slowly begin to reopen our great state, after weeks of “sheltering in,” we are learning how strong, resilient and caring we are in Montana. It has truly been inspiring to watch all of us come together, united in our efforts to collectively reduce the spread of the virus. It has required isolation, sacrifice, commitment and dedication, but we are persevering together and for that, we are truly grateful.

 To our customers, we thank you for your patience, understanding and willingness to embrace new ways to bank, by appointment and using our walk-up and drive-up facilities, as well as our online and mobile banking services. It has been a very difficult and challenging time for many of you, so don’t forget that we are here to help.

Billings King Avenue drive-up

 

To our employees, we thank you for coming together to assist where help is needed. Whether it was helping out with a very busy drive-up, answering phones, working 24/7 on Paycheck Protection Program loans and opening new accounts, you did it with a smile and positive attitude. We appreciate all you do each and every day for one other and for our customers.

Thank You - Central Loan Dept

 

To our front-line first responders and health care workers, we thank you for making a difference in this world and helping those in need. We appreciate the long hours, risks taken and the true grit you exude everyday in your life as you work to save your patients from this cruel virus.

Ambulance in drive-up

From our Stockman family to yours, we are proud to live and work alongside you each and every day. As our CEO Bill Coffee stated, “During our nearly 70-year history, through ups and downs – market swings, wars, and natural disasters – we have weathered many storms together. We will weather this storm too.”

They say a picture is worth a 1,000 words. In this case, it’s a video as words cannot fully express how thankful we are to all of you for your dedication and selfless service over the past few months.  Thank you for doing your part! We are truly Montanans serving Montanans.

Our gift to you; a special song and video, titled “Montana”, written and performed by one of our very own, Sam Hould, Facilities and Security/Safety Officer, and his band, Top Shelf Racket.  Sit back, relax and enjoy!

 

 

Branches Re-opening

Welcome Back! Our Lobbies Will Reopen, Monday, May 4, 2020

Stockman Bank - King Avenue West

We are pleased to announce that many of our bank lobbies will be open for business on Monday, May 4th during our regular business hours. Please check our website to get the exact hours for your bank.

Never in our lifetime did we think we would have to enact a Pandemic Policy, yet here we are. We thank you for the patience you have shown as we travel these uncharted waters together.

One important lesson that has become increasingly evident through these challenging times is that working with a community bank is more important than ever. We have processed approximately 3,000 Paycheck Protection Program loans for $288 million dollars and are working on round two of assisting small businesses across the state. While our lobbies have been closed since March 23, our online and mobile banking and drive ups have been available for you. We encourage you to continue to use these options to meet your banking needs whenever possible as we collectively try to reduce the spread of the virus.

We are glad to welcome you back to our lobbies and want to let you know what you will experience when you visit us. Our lobbies will look and operate a little differently to protect the health and safety of customers and employees.

What You Can Expect In Our Lobbies

  •  First, we ask that if you feel sick or exhibit any signs of illness, please do not enter the building. This is for everyone’s safety. 
  • We ask that the appropriate 6’ social distancing measures be followed. There will be floor markers to assist you. If the lobby area becomes crowded and social distancing guidelines cannot be met, a staff member will be happy to make an appointment for you. We may also ask that you wait outside until others complete their banking.
  • You will see that our Tellers, Receptionists and Customer Service Representatives will have protective plexiglass shields to keep everyone safe. Some of our employees may also be wearing facemasks.
  • Hand sanitizer will be available at each teller window, and on the desks of our customer service representatives and receptionists.
  • All of our work stations, drive-up canisters and all high traffic areas will be thoroughly cleaned and disinfected repeatedly through out the day. Customers are encouraged to take the bank pen they have used during their visit.  Any pens left behind will be sanitized each day.

We plan to operate under Governor Bullock’s Phase 1 Guidelines. We understand this is subject to change as we actively monitor local policy developed by cities and counties.

We look forward to working with you inside our lobbies, in our drive ups or online and sincerely thank you for working with us as we all navigate a new normal.

Stockman Bank Lobbies Opening

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Homeschooling

When Children Attack: Homeschooling Edition

As we gradually reopen our state, many of us are continuing to stay home and decrease the number of public places we visit. Many parents of school-aged children wait for an answer as to whether schools will reopen for the remainder of the year. That leaves us home with our children who are still attending classes online. The standard “school day” hours definitely do not apply and your child’s teacher is not always available. This means many have taken on a new role as in-home teachers for their kids.

Don’t be overwhelmed.

The important thing to remember is to keep your kid’s brains moving by doing activities. If your child needs help with an assignment but you aren’t available to help them until after 4 pm, that’s ok. We’re all learning as we go.

Navigate these foreign waters

We spoke with Billings Public Schools Primary Literacy Coach, Kristie Martin, to provide recommendations and helpful tips on keeping your kids focused on learning while in their home environment.

Activities for Younger Children

There are several activities you can do from home to help your younger kids continue learning while outside of their traditional classroom. Here are a few recommendations from Kristie:

Little Girl Reading

  • Sight Word Find
    Need sight words? Click here.
  • Making Words/Word Families
    For a list of word families, click here.
  • Reading Spaces
    Create spaces for reading “just right” books. If you need books, visit Epic or Scholastic.
    Sentence Fun
    Use printed pictures and have younger kids write sentences about the photos using nouns and verbs. Older kids can write longer sentences using adverbs. The sentences can be used as story starters too.
  • Write Stories!
    Have children draw pictures and a few sentences about the photos.
  • Writing While Reading
    Help children focus on their reading. Have them read a few pages or sentences of a book, then write about what they think about the text. They can write about a connection they have to the character, questions they have, or what they think of an interaction that happened.

Activities for Older Children

Study Buddies

  • Montana Natural History Center (MNHC)
    MNHC offers weekly nature and science webinars to fun, interactive, live-streamed programs covering topics in STEM, social studies, literacy and art/music.
  • Start a Journal
    While starting a journal may seem like a chore on top of all the required school work, it is a way to begin writing solely for putting thoughts and ideas on the page. Some day your children will realize what a unique time they lived through and their COVID-19 journal will have enormous meaning.
  • Visit museums and aquariums

You may be home right now and much of the summer, but that doesn’t mean you can’t virtually visit new and exotic places. Don’t forget that National Parks are available for virtual visits as well.

  • Watch SGN weekly videos
    John Krasinski from the hit TV show, The Office, has created some of the most heart-warming updates about ‘Some Good News’ happening during the coronavirus pandemic . He produces these weekly, family-friendly videos.
  • Video Chat with friends and Family
    Stay in touch with school friends and family. Learn how to video chat or if you are already an expert, give a new app a try. Playing games online and scheduling regular meet ups are a creative way to not feel separated from friends right now.

Don’t Forget to Have Fun!

All work and no play, makes for a dull day. Here are a few things to do with your kids to have some family fun!

Playing Basketball Easy Bank Oven

  • Make a fort
  • Set up a technology quarantine when homework is done
  • Get outside often! Go for a walk, a bike ride, or a run
  • Bake together and give a dinner assignment to the kids
  • Write letters & cards
  • Play cards and board games

During this time of social distancing, we hope this list helps you to stay active and enjoy time with your family. Leave us a comment to let us know how you and your children are structuring your school days.

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PPP Update

Supporting Montana Businesses – Paycheck Protection Program

Bill Bickle

Bill Bickle, Chief Credit Officer

As the first phase of the SBA’s Paycheck Protection Program (PPP) has come to an end, Stockman Bank customers have received authorization for approximately 2,177 loans totaling $262 million.

More importantly, Stockman Bank has closed 1,427 loans and deposited $209 million into its customer’s accounts; money our customers need to stay in business and pay their employees. That means we have already delivered to our customers 80% of the dollars they have qualified for under the PPP. Our customers should receive the remaining funds by early next week.

Supporting Small Business

Over our nearly 70-year history, ensuring that our Montana farmers, ranchers and small businesses owners continue to grow and be successful has been our priority. Entrepreneurship and small business is truly the backbone of our state.

As COVID-19 continued to spread and a state-wide “shelter-in-place” order became more likely, we knew that our customers and their employees would face significant challenges. The bank monitored the legislation authorizing the PPP as it was being developed in the Senate and then worked with the Montana SBA and our congressional delegation as we prepared for implementation on April 3.

The bank designed a special product and we streamlined our procedures to efficiently mange a large volume of loans. As soon as the SBA opened up their system for new applications we were able to start qualifying customers for loans. Some of our officers worked a twenty-hour day to help ensure that customer applications were qualified as soon as possible.

Many different Stockman Bank departments came together and worked hard to help ensure that our customers benefited from the PPP loans.

The appreciation of our customers, as shown by the comments below made this process worthwhile.

  • “I just wanted to send a quick note letting you know how much we appreciate your effort and prioritizing our business with regard to the PPP loan. Obviously, we will benefit greatly from the program, and are thankful that we were not shut out like so many others.”
  • “Thank you so much for your time, patience and guidance throughout this loan process! I sincerely appreciate it! This loan will help us out so much in the upcoming months! You are awesome!”
  • “Words can’t begin to express our gratitude for you going beyond on the call of duty in processing our PPP. Thank you for helping us out.”
  • “Before this week closed out, I wanted to most sincerely thank you for all you did for us this last week – and all you do on an ongoing basis. You look out for us, and that is an asset that I cannot begin to place a value on. And you do it in a kind, patient and timely manner – again, invaluable.”
  • “I hear other people in the community lamenting the challenges of submitting for a SBA loan but our experience has been totally different. You have a great team that is really stepping up to help the community and I appreciate everything Stockman has done to support our banking needs.”
  • “Wow! You guys are amazing; this is such a different experience than what we were going through.”
  • “I know I have often expressed my appreciation for you all. But I cannot tell you how impressed by all you have done and continue to do for my family and my business. I would do anything for you and will stand as a witness to your customer focus at anytime and at any venue! Thanks from the bottom of my heart.”

What happens now?

The U.S. Small Business Administration (SBA) announced this morning that all appropriated funds for the Paycheck Protection Program have been fully committed. As a result, the SBA  is no longer accepting Paycheck Protection Program (PPP) loans until Congress approves additional funds.

  • If you have already submitted an application, we will continue to process the application so it is ready to submit for SBA approval when Congress approves additional funding.
  • If you have received notice that your application has been approved by the SBA, please be assured that today’s development will not impact the approval or funding of your loan. Contact your banker if you have questions.
  • If you have not yet applied for a PPP loan, we will continue to accept new applications. Contact your local Stockman bank for more information or visit stockmanbank.com.

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Video Chat

Stay home. Stay safe. Stay connected.

There are so many ways to stay connected during this time of social distancing. In fact, there is a push to change the term social distancing to physical distancing to help all of us from feeling isolated.

Reaching out to family and friends right now can boost your spirits and allows you to know that things are going to be all right. Connecting with family and friends is more important now than ever before.

Grandparents Video Chat

Video chat is a way to stay well connected and with many options readily available, even the least tech savvy person can get on board with face-to-face conversations in no time. While we aren’t endorsing any of the products mentioned, we are suggesting that you give them a try. Find out what works best for you and your circumstances.

Houseparty

This app is popular with the cool kid crowd. In fact, it was the most downloaded app last week, well in front of Skype or Google Hangouts and there is good reason for this. The app allows features that others don’t have. Secret chats are an option within group calls. When you log into the app, you are in the house and can be added to a chat or others can join you by sending them a link in a text message. Your friends and families will need to download the app to get started. You can then wave to one another and start chatting face-to-face.

Skype

Skype has been around the longest and is probably the easiest of all the video chat tools to use, especially for older relatives who aren’t used to so many new fangled ideas. The benefits include the ease of talking with others from landlines or mobile phones and you can send text messages as well. Dropped calls can be an issue, so make sure everyone is patient if you have to work out bugs.

Google Hangouts

Up to 150 people can be on a hangout and the phone numbers can be from anywhere in the world. Group chats are fairly easy to set up and are reliable. If you have a Google account, Hangouts is worth trying.

Zoom

This business focused video chat set a record two weeks ago with over 1 million downloads in a single day. Zoom meetings are happening around the globe as business adjusts to employees working remotely. There is no cost for a single call with up to 100 participants and it offers unlimited 1 to 1 meetings. There are time limits of 40 minutes for group meetings, so if you and your family are long winded, you may want to keep that in mind. Video chats on Zoom are very reliable, a large part of Zoom’s popularity.

Get started and give these options a try. I will be hosting my book club on Houseparty next week. While it may feel like herding cats, I plan to send an email to all the members with step-by-step directions. We will hold a trial run the night before we actually meet for those who require a little hand holding. The best part is I won’t have to clean my house, bake anything, and the clean up will be a snap. Wish me luck!

Video Chat

Spread Kindness

Spread Kindness Instead

As our world seems to be in chaos, and we are surrounded by negative news, I am reminded that there is only so much that I can control and my outlook on life is one of them. It is a time of uncertainty, but if you look around there are a lot of displays of love and kindness happening all around us. There are people singing from balconies, photographers taking front porch family photos, teachers driving through neighborhoods to wave to their students, and volunteers sewing masks.

Community

Amid all of the fear there is an overwhelming feeling of community and support. This has made me feel more at peace with all of the things that I can not control. I am never going to change the stock market, but I can shelter in place to do my part in and practice kindness.

Thank you card

Here are a few things that my family is doing to spread kindness in our community. After all we need each other to get through this!

  • Calling and sending videos for friends and family member to tell them how much we love and appreciate them. Paying special attention to those that live alone.
  • Offering to pickup items for vulnerable friends and family members when we visit stores.
  • Dropping off treats like cookies or fresh fruit and veggies on our neighbors porches, ringing the bell and running away.
  • Making thank you cards for health care workers, mail carriers, trash collectors and others who are performing essential services.
  • Writing to people in nursing homes who can no longer have family and friends visit.
  • Supporting businesses in our community by shopping local, buying gift cards and ordering from local restaurants. Adding on extra tips for service workers.
  • Donating books to neighborhood book libraries.

Neighborhood Library

 

These are all small things that my family can do to impact our small circle of the world. I hope that my 4 and 6 year old will look back on this time and remember it as a time we all got to slow down and enjoy time as a family. I hope they will have learned lessons of kindness and sharing. We are all struggling, but the more we can continue to stand by each other and remember we are in this together the stronger we will be.  Maybe when this is all behind us our world will have been changed in a positive way.

Thank you card

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COVID:19 - Social Distancing

COVID-19 : Keep your hands to yourself!

We may have to Keep Our Hands to Ourselves for awhile, but that doesn’t mean it will be forever. We can still be social and keep our distance.

Montana Flag

Montanans Serving Montanans

Jeremy Morgret, Chief of Branch Supervision

Jeremy Morgret, Chief of Branch Supervision

It seems that most banks today are calling themselves “community banks” no matter their size, the area where they are located, or the fact they are being publicly traded in the stock market. So, does that mean all banks are the same? How do you differentiate one from the other? Does it matter?

Last week, Jocelyn Lane, a Commercial/Consumer Loan Officer in Missoula, outlined the varying sizes and areas that banks cover today, from national/international banks and internet only banks to regional banks covering several states and regions.

What really is a “community bank”?

While definitions vary somewhat, here is how most people define a community bank:

  • Focused on a specific area with a smaller footprint, say operating within one state verses multiple states or a particular region of the country.
  • Employees you see when you come into the bank, as well as those behind-the-scenes, live and work in the communities they serve, not in another state or country.
  • Jobs and salaries are local. A dollar earned in the community, stays in that community driving the local economy.
  • Community bankers are able to provide a higher level of service and responsiveness at the local level. They have more autonomy to make decisions and serve their customers without the bureaucracy of larger banks.
  • Decisions are focused on the long-term, and are not driven by quarterly earnings reports, analysts, and investors.

Montana Flag

Based on these definitions, Stockman is a true community bank.

  • We are focused on Montana and only Montana. Our company was founded by an eastern Montana farmer, rancher & business person, Bill Nefsy, more than 65 years ago. We are still owned by his family, the Coffee family, and remain focused on serving Montana.
  • All of our 771 employees from the executive leaders, to managers, to those who work with customers all live and work in Montana. In fact, many were born and grew up in the communities they serve!
  • Stockman employees spend their salaries in the Montana communities they serve, supporting schools and local businesses, helping to drive a healthy local economy. They also support a multitude of higher education opportunities and non-profits across the state.
  • Our bankers are local, our locations are managed locally and our decisions are made locally. They are responsive and easy to contact, providing a high level of local service. We empower our bankers with the skills and tools to serve our customers. Because our bankers live in our communities, they possess knowledge of the community and local perspective cannot be replaced by a computer, regional “expert” or short term transplant.
  • Our company and employees donated more than $1.3 million and several thousand volunteer hours in 2019, helping to make our Montana communities better places to live and work.
  • We make decisions based upon the long-term best interest of our employees, customers, and communities by lending money to our customers supporting home ownership, family farms & ranches and small businesses. When you bank at Stockman, your money stays here to work for you and your community.

The choice is yours.

In summary, there are many different types of banks – internet, international, national, regional and community banks. As a business or consumer, the choice is yours. What do you want from your bank? If you want to work with a true community bank, we welcome you to call or stop by today. We look forward to meeting you and helping you meet your financial goals.

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Clinton

Technology in Ranching and Farming

We all have preconceived notions about people when we first meet them. Someone who is all glamour and good looks we might think is a rock star or an actor. A really smart person could be a brain surgeon or a scientist. Someone who is tech savvy could be a software engineer, a rancher or a farmer… A rancher? A farmer? In fact, the answer is yes. Technology is not limited to the urban millennial or Silicon Valley wizards.

Technology in Agriculture

Technology is utilized in agriculture today and is improving both efficiencies and production in ways that refine and define Ag operations. Tech in the Ag industry includes farm machines, crop sensors, GPS in land assessment, biotechnology, animal management, and much more.

Clinton

Clinton Small, a rancher in southeastern Montana, runs his cattle, fencing, and hay operation by drone. We visited Clinton’s ranch to watch him in action. He describes how, due to the rugged nature of the landscape of his ranch, his drone is an enormous help in the day-to-day management of his ranch.

Clinton with Drone

Jumping on a couple of 4-wheelers, we drove up the side of a mountain to launch his drone. This is where the fun really started! As the drone soared high in the sky, Clinton recalled a time when he launched his drone and spotted a calf that wasn’t moving. He was able to bring the drone in close enough to identify the calves tag number and get someone over to administer medication and assistance. Thanks to this powerful technology that assisted Clinton, he is happy to report that the calf recovered and is doing very well.

Landscape

 

Drone Spotting

With the help of his drone, Clinton has been able to spot the exact location where fences are down and get the section repaired before the cattle wandered away. The time it takes to walk, drive, or ride to cover every section of his ranch would take days. The drone is literally Clinton’s eyes in the sky.

Craggy Landscape

 

Technology is changing farm and ranch management with improvements in production and productivity. Watching Clinton skillfully use a high powered drone for both his land and cattle illustrate just how quickly technology advancements are helping farmers and ranchers with their day-to-day operational management. Next time you think of agriculture as a simple way of life, you may need to reboot many of your preconceived notions.

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