Estate planning at First Interstate

You will need a Certification of Trust (or the full trust agreement), government-issued photo ID for all trustees, and the trust's tax identification number (EIN or SSN). If the trust has been amended, bring copies of all amendments. Signature and notary pages from the trust agreement may also be required. Visit any First Interstate branch or call the Client Contact Center at 855-342-3400 to open a trust account.

Both are interest-bearing checking accounts with overdraft protection, unlimited check writing, and safe deposit box discounts. Select Checking earns 0.10% APY with a $15 per statement cycle charge waived at $1,500 minimum daily balance, $5,000 combined deposits, age 60+, or bank employee status, plus a 0.05% CD bonus. Premier Checking earns tiered rates (0.10%-0.25% APY) with a $25 per statement cycle charge waived at $10,000 minimum daily balance or $50,000 combined deposits, plus a 0.10% CD bonus, World Debit Mastercard, and free annual checks.

Yes. All First Interstate Bank deposit accounts, including checking, savings, money market, and CD accounts, are FDIC insured up to $250,000 per depositor, per ownership category. POD beneficiaries may qualify for additional FDIC coverage. Trust accounts are also FDIC insured based on the number of qualifying beneficiaries.

First Interstate Bank operates over 300 branches across 14 states: Arizona, Colorado, Idaho, Iowa, Kansas, Minnesota, Missouri, Montana, Nebraska, North Dakota, Oregon, South Dakota, Washington, and Wyoming. The bank is headquartered in Billings, Montana. Note that First Interstate completed the sale of 10 Arizona and 2 Kansas branches to Enterprise Bank & Trust in October 2025, and the sale of 11 Nebraska branches to Security First Bank is expected to close in April 2026. ATM access is available at over 37,000 locations nationwide.

Yes. First Interstate Bank offers two home equity products. A Home Equity Loan (HELOAN) provides a lump sum at a fixed interest rate with predictable monthly payments, suitable when you know the exact amount needed. A Home Equity Line of Credit (HELOC) provides a revolving line of credit with a variable rate, allowing draws as needed during the draw period, suitable for ongoing or variable expenses. Both products are secured by the borrower's home equity and typically carry lower rates than unsecured loans.

First Interstate Bank HSAs are administered by HealthEquity, Inc. The HSA offers triple tax advantages: tax-deductible contributions, tax-free growth, and tax-free withdrawals for qualified medical expenses. You must be enrolled in a qualifying High Deductible Health Plan (HDHP). A $500 minimum balance is required to avoid a monthly maintenance fee. Features include a complimentary debit card, online access, mobile app, mutual fund investment options, and 24/7 member support at 1-844-280-4330. Funds roll over annually, and after age 65, funds can be withdrawn for any purpose (income tax applies to non-medical withdrawals). HSA accounts cannot be retitled to a trust but a beneficiary can be designated.