For help with First Interstate I-Bank, call toll-free 1-888-752-3332 or you may contact our Customer Service Representative through our website. Our Service Representative will be available from 8:00 a.m. to 5:00 p.m. MST Monday through Friday. You may also click on the Online Help button located in the top right corner of your screen while you are logged into I-Bank. This button will provide you the customer service number and business hours.

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I-Bank utilizes the latest in internet security protection including 128-bit encryption. For more information, see our Security and Online Guarantee Statement.

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After the online application is submitted, an Access Id and Password are printed and mailed to the customer. Each code is mailed separately and will be received in 7 to 10 business days by the customer.

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Your Access ID is a temporary code assigned to you upon your initial enrollment. This code is 1 of 2 codes you will receive in the mail within 7 to 10 business days. You will be prompted to change the Access Id when logging in for the first time to a code of your choice. The new Access ID needs to be a minimum of 6 characters long but can be as long as 19 characters. The Access Id can be alpha, numeric, or a combination. If letters are used, they are case sensitive.

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Your Password is a temporary code assigned to you upon your initial enrollment. This code is 1 of 2 you will receive in the mail within 7 to 10 business days. You will be prompted to change the Password when logging in for the first time. The Password must be a minimum of 6 characters long but can be as long as 19 characters. The Password can be alpha, numeric, or a combination. If you use letters in your Password, they are case sensitive. When you authorize a transaction using your Access ID and Password, it is considered to have the same effect as using a signature.

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Changing your Password can be done on-line as long as you are able to log into your accounts.

• Select the Options button from the top of your screen while you are logged into I-Bank.
• Click on Change Password
• Type your current Password.
• Type in your new Password. (Note – needs to be a minimum of 6 characters and a maximum of 19. Can be alpha, numeric, or a combination and is case sensitive)
• Retype your new Password in the “Confirm New Password” box.
• Click Submit.

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If you type your Password incorrectly three times or more at the Authentication Image screen, you will be locked out of I-Bank. In this case, you will need to contact the Internet Banking Department at 1-888-752-3332. After verifying your identity, your account will be unlocked allowing access to I-Bank. Otherwise, the program will unlock automatically within one hour and 30 minutes.

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If you forget your Password, contact our Internet Banking Department at 1-888-752-3332 between 8:00 A.M. and 5:00 P.M. MST Monday through Friday. The customer service representative can reset your Password over the phone, but cannot provide new Passwords via email since email is not a secured transmission. When you log into your I-Bank site, your may change your Password to a new password.

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Changing your security information will allow you to select a different Authentication Image, Authentication Pass Phrase and Challenge Questions.

• Click the Options button located at the top of the screen.
• Select Change Security Data

To change the Authentication Image:

• Click on Change Image (displayed as a hyperlink)
• Double click on the Image of your choice
• Click Submit

To change the Authentication Pass Phrase:

• Double click the mouse in the Authentication Pass Phrase field and use the backspace button to delete the field.
• Enter a Pass Phrase of your choice.
• Click Submit

Note: The Pass Phrase should not be the same as your Password. The Pass Phrase field requirements are a minimum of 1 and maximum of 100. It can be alpha, numeric or a combination. It is not case sensitive.

To change Challenge Questions:

• You may either answer the question in the Challenge Question box or if you would rather answer a different question, click on the drop down menu to view questions available.
• Click on the question you choose to answer
• Fill in the Answer field.
• After all questions are answered, click Submit.

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A business I-Bank customer mails in a printable application. Once the application information is verified to First Interstate Bank’s system, the account is activated and an activation email from “PCBank” will be sent to you. The email will confirm your account is ready to log into. Note: If you have a spam blocker on your email, the confirmation email could get trapped in this folder.

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You can access the transaction history on your current and previous account statements only (about 45 days). However, customers are able to access a full statement under the “Documents” button with a history of a year from present time.

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Your account balances can be viewed by using the View Accounts option. This will allow a customer to select an individual account or they can select “Account List”.

• Click on the View Accounts button while you are logged into I-Bank.
• The Account Information page will display the Account Type, the last four numbers or digits of the Account Number, Current Balance and Available Balances for all of your accounts.

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To view account transactions:

• Select “Account List” from the View Accounts button on the left hand side of the screen.
• Click on the Account Number (which will be displayed as a hyperlink) for which you would like to view your account transactions.
• Click Transactions from the row of red buttons displayed in the center of the screen.
• From this menu, you can select Previous Statement, Current Statement, Previous Business Day, Current Business Day or Transaction Menu. This menu also offers the option of downloading transactions into financial software allowing them to be viewed in a register form.

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• Click the View Accounts button from the left hand side of the screen.
• Click on the hyperlink of the Account Number for which you would like to view information.
• Select the red Transactions button in the center of the screen.
• Choose Previous Statement, Current Statement, Previous Business Day, or Current Business Day.
• Click on the hyperlink of the check number to view the check. You can view both the front and back of the check. The check image can be printed so you have a paper copy for your research or files.

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• Click the View Accounts button from the left hand side of the screen.
• Click on the hyperlink of the Account Number for which you would like to view information.
• Select the red Transactions button in the center of the screen.
• Choose Transactions Menu.
• In the Image Search option, fill in the amount and the check number (a required field).
• Select Display. You can view both the front and back of the check. The check image can be printed so you have a paper copy for your research or files.

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• Click on the View Accounts button in the left hand side of the screen.
• Select the account for which you would like to search for the check.
• Click on the red Transactions button in the center of the screen.
• Scroll to the bottom of the page. In the right, top corner, the Transaction Search box entitles you to search a specific check or series of checks by the check number, series of check numbers, amount and/or date the check cleared.
• Input the check number, series of numbers, amount of the check and/or the date the check cleared your account.
• Click Display.

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I-Bank information can be downloaded to Quicken, QuickBooks, Microsoft Money, or in comma delimited format. *We recommend starting in I-Bank when you download, rather then starting from your financial software, then to I-Bank.

To download your banking information:

• Click the View Accounts button.
• Select Account for which you need your information downloaded.
• Click on the red Transactions button.
• Select Export Transactions.
• In the section of the page entitled Transactions Export, input either the cycle or the date and select the correct format.
• Click Export.

If you have problems downloading the information into your financial software, CONTACT THE CUSTOMER SERVICE REPRESENTATIVE OF YOUR SOFTWARE COMPANY. Note: Transactions available to download are current and previous statements only.

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Funds transfer is available between checking and savings. Payment transfers can be made to loans, including Advance Line and Overdraft Protection. Transferring a mortgage payment is not an available option at this time.

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• Click the Express Transfer button. Select the Account Number in the drop down menu from which funds will be transferred from.
• Select the Account(s) you wish to transfer to and enter the amount in the Transfer Amount field.
• Click Next
• Review Transfer
• Click Submit to view and print the Transfer Confirmation screen.

Note: Transfers after 6:00pm will be processed next business day.

If you want to set up a recurring transfer:

• Click the Transfers button
• Select New Scheduled Transfer
• The Account listed in the From section will be the account you selected to use to begin the transfer. Select the Account you want the money to be transferred to from the drop down box.
• Select a Frequency other than On-Demand.
• Input the Amount to be transferred.
• Enter the date you would like the transfer to begin.
• Enter the number of times you would like the transfer to occur (1 to 999).
• A description may be added but not required.
• Click Submit to view and print the Scheduled Transfer Confirmation screen.

Note: Transfers after 6:00pm will be processed next business day.

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Currently First Interstate Bank’s website is not designed for customers to be able to transfer funds to an account outside of First Interstate Bank except through our bill pay service. To enroll in bill pay:

• Log into your I-Bank account
• Click on Consumer Bill Pay Enrollment located in the middle of the screen.
• Click on Enroll in Bill Pay.
• Read and agree to the Terms and Conditions
• Complete the application and accept the Terms and Conditions.
• Click Submit.

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• Click the Express Transfer button.
• Select the Account Number in the drop down menu from which funds will be transferred from.
• Select the Account(s) you wish to transfer to and enter the amount in the Transfer Amount field.
• Click Next
• Review Transfer
• Click Submit to view and print the Transfer Confirmation screen.

Note: Transfers after 6:00pm will be processed next business day.

If you want to set up a recurring transfer for a loan payment:

• Click the Transfers button
• Select New Scheduled Transfer
• The Account listed in the From section will be the account you selected to use to begin the transfer. Select the Account you want the money to be transferred To from the drop down box.
• Select a Frequency other than On-Demand. Input the Amount to be transferred.
• Enter the date you would like the transfer to begin.
• Enter the number of times you would like the transfer to occur (1 to 999).
• A description may be added but not required.
• Click Submit to receive Scheduled Transfer Confirmation screen.

Note: Transfers after 6:00pm will be processed next business day.

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• Click the Transfers button
• Select Transfer List from the drop down menu
• Locate the Transfer you wish to delete
• Click the Delete button
• Review the Scheduled Transfer being deleted and click Submit

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If you pay more than your regular loan payment, the interest you owe will be paid to the date your payment is posted and the additional amount will be credited to your principal balance. Your next regular payment due will be reduced by the amount of your additional payment.

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If you pay more than your regular loan payment, your interest will be credited according to the amount due on your billing statement and the additional amount will be credited to your principal balance. You will owe the amount due on your next billing statement

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Federal regulations recognize the use of a Password in electronic banking to stand in for an authorized signature. Therefore, when a stop payment instruction is received, it will be input but no form will be sent to you for a signature. A fee of $15.00 will be accessed for a stop payment.

• Click on the View Accounts button.
• Select Account by clicking on the account number.
• Click on the red Stop Payment button.
• Enter the requested information in the Stop Payment Request box.
• Click Next.
• Review the Stop Payment request.
• Click Submit.

Note: Stop Payments after 6:00pm will be processed next business day. A stop payment can only be placed on a paper item. If a stop payment needs to be place on an ACH or electronic item, please visit your local branch or you may contact the phone center at 888-752-3341.

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• Click View Accounts.
• Select an Account by clicking on the Account Number hyperlink.
• Click on the Order Checks button on the right side of your screen.
• A new browser window will open and an example of the last checks you ordered will appear on the middle top portion of your screen.
• Follow the six easy steps on the left side of the screen to modify your checks, change check styles, and submit your check order.
• Your new checks will arrive within two to three weeks.

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• Click the Options button (located at the top of the screen)
• Select Change E-mail Address
• Type in your new E-mail address and confirm it.
• Click Submit

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Secure messages are a method for you to send information in a secure environment to a Customer Service Representative. While logged into I-Bank:

• Click on the View Accounts button and select Account List.
• Click on the Mailbox hyperlink at the bottom left of your screen.
• A new browser window will open providing you access to First Interstate Bank's Secure Messaging System.
• Click on Create New Message located at the bottom of the page.
• Complete the subject line and message portions of your message.
• Check the box marking the message Urgent if appropriate.
• When your message is completed click the Send button at the bottom left of the message text box.
• Click the Close SMS button at the bottom right of your screen to log out of the Secure Messaging System.

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• Log Into I-Bank
• Click the View Accounts button and select Account List
• To the right of the Mailbox hyperlink you will see "You have (number) new messages.”
• Another way to see if you have messages is to click the Mailbox hyperlink.
• A new browser window will open providing you access to the Secure Messaging System and listing all of your existing messages.

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Click the View Accounts button and select Account List. Select the Mailbox Hyperlink from the left bottom of your screen. A new browser window will open providing you access to the Secure Messaging System and your existing messages will by listed. To open a message Click the View button at the right of the message you wish to view.

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• When finished reading your message, click Reply.
• Click in the message text box and type your message. The previous text will still be visible.
• Click Send.
• Click the home button to return to the Secure Message System home page.
• Click the Close SMS button to close the browser and return to I-Bank internet banking.

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• Log into I-Bank internet banking.
• Click the Mailbox hyperlink on the left bottom of the screen.
• Click on the Delete button to the right of the message you wish to delete.
• Click the Close SMS button to close the browser and return to I-Bank.

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• Log into I-Bank internet banking.
• Click the Mailbox hyperlink on the left bottom of the screen.
• Click the Purge All Messages button. (Warning: Once you have purged your messages they cannot be viewed again without contacting pcbank@fib.com.)
• Click Close SMS button to close your browser and return to I-Bank internet banking.

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All of your accounts should be automatically added to your I-Bank access as new accounts are opened. If you need additional accounts added, contact the Customer Service Representative at 1-888-752-3332.

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All new accounts should be automatically added to your I-Bank access and closed accounts automatically deleted. If you need an open account removed from I-Bank, contact the Customer Service Representative at 1-888-752-3332.

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• If you would like to change the viewing size of your screen, you can: Click on Start button.
• Go to Settings.
• Open Control Panel.
• Open Display.
• Click on Settings.
• Change your screen size to 600 x 800 or the size that works best for your monitor and viewing capability.

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I-Bank shows transactions in real-time so you will see each transaction as it is posted. You will not be able to see check items that will be posting for the business day.

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The information currently available on mortgages is: Payment Information Current Information Regular Payment Amount Current Interest Rate Next Payment Due Date Taxes Paid Year-To-Date Accrued Late Charges Insurance Paid Year-To-Date Principle Balance Principal Paid Year-To-Date Interest Paid Year-To Date It will also allow you to see the Previous Year Information on Interest, Taxes and Insurance. As we integrate our software systems on mortgages, more mortgage information will become accessible on I-Bank. You can arrange to make automatic payments for your mortgage by contacting First Interstate Bank. You may also make payments at any First Interstate Bank branch or pay your mortgage with the bill pay service.

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Yes, you can apply for a loan and/or credit card online.

• From www.firstinterstatebank.com, click on Online Services.
• Click on Online Applications.
• A new browser will open listing the applications that can be completed online.
• Click on the application hyperlink for the loan application you wish to complete.
• Complete the application and click the Send button located at the bottom of the application.
• It will take one business day to receive a response to your application.

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The first step to becoming a Bill Payment customer is to become an I-Bank customer. If you are already an I-Bank customer, follow these steps:

• Log into your I-Bank account
• Click on Consumer Bill Pay Enrollment located in the middle of the screen.
• Click on Enroll in Bill Pay.
• Read and agree to the Terms and Conditions
• Complete the application and accept the Terms and Conditions.
• Click Submit.

A verification e-mail will be sent to you. You will receive an account activation email within 24-48 business hours.

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Once you are enrolled in the Bill Payment service, you will locate your log in at the bottom of your Account List.

• Log into your I-Bank account
• Click on View Accounts and select Account List.
• Scroll the page down until you see “List of Ipay Accounts for (your name)”
• Click on the account number (displayed as a hyperlink)

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I-Bank works best on Microsoft XP, 2000, NT, or 98 operating systems. Internet Explorer 6.0 or higher and Mozilla’s Firefox 2.0 or higher are the recommended browsers. 128-bit encryption is also required. With Apple computers, I-Bank will work with the latest Internet Explorer 5.5 for Macintosh 5.1.5 and Operating System 90 or greater. (NOTE: It is always prudent to update your internet browser to the latest version available to insure maximum performance.)

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Pending transactions are transactions that are presented to the Bank during the current business day or after the processing cut-off time for the previous business day (which varies between 2:00 PM and 4:00PM). Pending transactions may include a variety of items including, direct deposits, ACH items, ATM transactions, and check card transactions. When these items are presented to the Bank they are "memo" posted to your account. The transactions will permanently post to your account, generally, in 1 – 3 days depending on the item. When the amount is "memo" posted to your account, your account balance reflects these items. Your account will be increased by any deposit transaction and decreased by any withdrawal. Some transactions may cause a little confusion as to the way they are posted; check card transactions in particular. There are several instances where a check card transaction may "memo" post for an amount that is different than the actual purchase price. The authorization process used by the merchant determines the amount that "memo" posts to your account. The following is a detailed description of authorization practices in six major categories.

Restaurants

When you receive the bill and present the Visa check card for payment, the tip amount has yet to be indicated. The waiter or cashier obtains authorization for an amount that adds an estimated tip (usually 20%) to the base bill. After authorization, the waiter presents the purchase slip for signature. At this point, you add a tip and total the bill. This final total may be for more or less than the estimated amount for which the restaurant obtained the authorization. The estimated total could stay on the system for 1 – 3 days until the clearing item for the amount actually charged reaches the Issuer (FIB). You may become aware of the difference between the authorized amount and the actual amount through Telephone Banking, ATM inquiry or Internet Banking inquiry.

Gas Stations

When you present your check card at a gas pump, the actual amount of gas you are purchasing is not available. In order for the system to provide an authorization an amount must be present. Since the amount of the purchase is not known until the gas has been pumped an amount determined by the gas station is transmitted. The amount can vary and may be as high as $100. In most cases the gas station will send an authorization for $1.00. The estimated total could stay on the system for 1 – 3 days until the clearing item for the amount actually charged reaches the Issuer (FIB). You may become aware of the difference between the authorized amount and the actual amount through Telephone Banking, ATM inquiry or Internet Banking inquiry.

Hotels

When you present a Visa check card at registration, the clerk or cashier requests an authorization for an amount based your expected length of stay. An additional amount may be added to the room rate to cover other guest services, such as movies or parking. Many are not aware of the exact amount authorized or that your financial institution may place hold for that amount. If you check out early, stay an extra night, or use more hotel services than estimated, the actual transaction amount (incoming clearing item) could differ significantly from the authorization memo posted amount. In some cases, the authorization memo posted amount could limit your purchasing power or funds availability. You may become aware of the difference between the authorized amount and the actual amount through Telephone Banking, ATM inquiry or Internet Banking inquiry.

Telephone Order and Online Retailers

You provide the order information, and then the retailer adds any applicable tax and shipping and computes the total amount. You provide the Visa check card number, expiration date, and billing address. The billing address for a Visa check card is the statement address for the linked checking account. Merchants are required to ask for a billing address. The authorization process for a telephone or online order requires that your financial institution approve both the dollar availability and the billing address. If the billing address given to the merchant is not the same as the one shown on your statement, the transaction may be denied, even if funds are available in your account. The request for authorization from your financial institution is rarely made when you are on the telephone or online. Since the authorization process is usually done after you have completed the telephone call or signed off the Web site, the purchases can be denied at authorization for a number of reasons including daily limits, funds availability, a hold on a recent deposit, or a billing address mismatch. If you have recently moved you may give a correct, but new, billing address that will not match your institution's records. It's also easy if you receive your statement at the office, a P.O. Box, or other non-home location to misunderstand the request for billing address and provide a home or "ship to" address. This triggers a mismatched address denial.

Airlines

Airline authorizations can cause concerns in a number of ways. The ticketing agent adds up the amount of all tickets being purchased by a customer and requests authorization for the total. However, because airline accounting and tracking is based on individual tickets, your check card statement will show prices for individual tickets, not the total amount. Fees for changing a ticket will also be shown separately on the statement. Seeing a number of individual purchases for the same amount from the same airline can be confusing.

Store Retailer

After you decide on the item(s) to purchase, the merchant adds the tax amount and requests authorization for the total amount. Once authorized, you sign the slip, and the transaction is completed. The authorization memo item and the clearing item are for the same amount. This type of transaction is a convenient and simple replacement for cash or a check, for both you and the merchant.

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You may view your credit card online in several different ways.

Option 1: If you are an I-Bank customer

• Log into your I-Bank account
• Click on the credit card account number (will display as a hyperlink and will only show last four numbers of credit card.)
• You have been directed to www.mycardstatement.com.
• Enter your codes you have set up to view your credit card account. If you are a new user, click on the left hand side of the screen to enroll in this service.

Option 2: If you are not an I-Bank customer

• Located on the home page of www.firstinterstatebank.com is a drop down menu for different log in services. (Orange box in the top left corner of the screen)
• Click on the down arrow and select Credit Card Info.
• You have been directed to www.mycardstatement.com.
• Enter your codes you have set up to view your credit card account. If you are a new user, click on the left hand side of the screen to enroll in this service.

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