Digital Wallet

What Is a Digital Wallet?

Your phone is a part of your life: texting, social media, checking your accounts at Freedom Bank and so much more. Digital wallets may sound high-tech, but they’re really about simplicity and safety. A Digital Wallet is simply a way to store your credit or debit cards on your smartphone. Once you set it up, paying with your phone is fast, secure, and convenient. You’ll probably find yourself wondering how you ever did without it.

🔒 Is It Safe?

Digital wallets are designed to be very secure, and in many ways are even more secure than traditional cards.

Here’s why:

  • Your real card number isn’t used at checkout. Instead, the system creates a unique, encrypted code for each transaction. That means your actual card number is never shared with stores.
  • Only you can authorize a payment. Every purchase requires Face ID, your fingerprint, or a passcode.
  • You’re protected if your phone is lost. If you ever misplace your phone, you can instantly lock or erase your wallet remotely using your Apple or Google account. You can also call Freedom Bank to remove the digital wallet association with your card.

Important Security Considerations

      1. Use strong, unique passwords: A strong password is your first line of defense.
      2. Monitor your Freedom Bank accounts: Regularly check your account transactions for any suspicious activity. Use the Freedom Bank mobile app, FreedomBankMT, to set up transaction and balance alerts.
      3. Secure your devices: Require a passcode or biometric login (such as FaceID or fingerprint ID) to unlock your phone or tablet. Keep your operating systems and web browser on all devices updated to protect against security vulnerabilities.
      4. Avoid public Wi-Fi for sensitive transactions: Do not access your digital wallet or make payments on unsecured networks.

🛒 How Do You Use It?

Using a digital wallet is surprisingly easy, even if you’re not especially tech-savvy.

  1. Set It Up 
    • Open the Wallet app on your smartphone and follow the steps to add your credit or debit card.
      • For more step-by-step instructions about setting up for use on your PC, MAC, watch or phone, please click on the Wallet you have:
    • Or select the wallet pay icon within the FreedomBankMT mobile app.

You’ll either scan it or enter the card details manually. Freedom Bank will ask to verify it with a code or phone call.

  1. Pay In-Store

At checkout, if you see the contactless symbol, simply open the wallet app and select the card you would like to use. Your device should prompt you for a passcode or biometric authentication. Hold your phone near the payment terminal close to the contactless icon (where you’d normally tap a card). That’s it!

  1. Pay Online or In Apps

When shopping online or in apps, look for the Apple Pay, Google Pay or Samsung Pay options. Select it, confirm with your phone’s security, and your payment is done – no typing in card numbers or billing info.

 

✅ Why More People Are Using Digital Wallets

Here are some of the top reasons people are embracing digital wallets:

  • No more digging for cards at checkout
  • Added protection from fraud and card theft
  • Touch-free payments are cleaner and faster
  • Instant purchase alerts help monitor spending

If you have a smartphone, you already have everything you need. Give it a try! Our team at Freedom Bank is here to answer any questions you may have.

 

Dog Day at the Freedom Bank Barking Lot

Calling all canines and their human companions! Freedom Bank is rolling out the red carpet for our first-ever Dog Day.

Tuesday, August 26
1:00 PM – 4:00 PM
Freedom Bank Parking Lot (aka the Barking Lot)

We know our customers love to bring their furry friends into the lobby or through the drive-thru, and we love seeing those wagging tails. To celebrate International Dog Day, we’re hosting an afternoon of tail-wagging fun.

  • Pup Cups. A small cup filled with whipped cream.
  • Giveaways. Free leashes and other goodies while supplies last.
  • Prize Drawings. Special prizes for pups and their humans.

This is the perfect excuse to take a mid-day “pup break”. Just stop by the Barking Lot between 1 and 4 PM with your pup (or two, or three… we’re not counting). Fetch your balance, stay for a treat!

Identifying A Scam

The Two Traits That Make a Message Risky

And What To Do About It

The text seems harmless enough: “FedEx: Your package is undeliverable. Click here to confirm your delivery address.” You weren’t expecting a package, but maybe someone sent you a surprise? Moments like this are exactly where scammers thrive. Every day we receive messages asking us to do something; it’s part of being an employee, a contractor, a team member, or just a person who uses technology. Most of these messages are routine and harmless. But sometimes, a message arrives that carries hidden risk.

There are two specific traits that, when combined, make any message far more likely to be part of a social engineering scam. Not every scam message has both traits, but most do. Recognizing these traits can help you avoid being manipulated into doing something harmful to yourself, your organization, or your data.

Trait 1: The Message Is Unexpected

It doesn’t matter how the message arrives – email, text, WhatsApp, social media, a work chat channel, even a phone call or face-to-face interaction. If the message comes out of the blue, that’s the first red flag.

When you aren’t expecting someone to contact you, your guard should go up immediately. This doesn’t mean it’s definitely a scam, but it does mean you should slow down and evaluate it more carefully.

Trait 2: It’s Asking You to Do Something You Haven’t Done Before

Scammers rely on urgency and unfamiliarity to create confusion. Often, the message will ask you to do something you’ve never done before. It might sound urgent or sensitive. You might be told something bad will happen if you don’t act right now.

That unfamiliar action could be anything:

  • Sending a wire transfer
  • Sharing sensitive data
  • Logging into a “new” system
  • Approving a payment
  • Buying gift cards or cryptocurrency
  • Changing account details

If you’ve never done this before for that person or organization, pause. That’s your second red flag.

What You Should Do Instead

If a message checks both boxes: 1) it’s unexpected, and 2) asks you to do something new, here’s how to handle it:

Do NOT trust any contact details in the message.

Scammers include fake phone numbers, spoofed email addresses, and links that lead to convincing but fraudulent sites or call centers.

  • Use an alternate, trusted contact method to verify.
  • Call the sender using a phone number you already know or that’s listed on the official website (not from a search engine).
  • Visit the company’s official site by typing the URL yourself, not by clicking a link in the message.
  • Reach out via known, previously used, internal channels (like a Slack message or corporate directory lookup) to verify the request.

Avoid relying on search engine lookups for phone numbers.

Scammers are known to poison search results with fake contact info. If you must look up a number, do it on the organization’s official site.

Slow Down, Stay Safe

We live in a world where new, unexpected messages are normal. But now you know the two-question test for risk:

  • Was I expecting this message?
  • Is it asking me to do something new?

If the answer to both is “yes”, stop, verify independently, and don’t act until you’re sure it is a legitimate request.

Scammers don’t need to hack your systems if they can hack your attention. Slow down, ask the two questions, and take control before you act.

Heritage Days 2025

It’s that time of year and we can’t wait to celebrate!

Born in Columbia Falls 20 years ago, Freedom Bank is proud to have grown into a cornerstone of the greater Flathead Valley, dedicated to serving the entire community. For two decades, we’ve had the privilege of being a local business, and it has been truly inspiring to participate in and witness the remarkable growth of our community. As a community bank, we’ve always been committed to providing personalized financial guidance. We tailor our solutions to the unique needs and goals of each business owner and individual, helping you achieve your financial aspirations. To continue supporting your success, we’ve expanded our services to include advanced digital banking tools for both businesses and consumers.

Stop by and learn more about how Freedom Bank can be your bank. We look forward to many more years of serving the Flathead Valley!

Freedom Bank is a main sponsor of the Open Rodeo at the Blue Moon Arena and a proud partner of the Columbia Falls Community Market.

Heritage Days is an adventure and celebration for the whole family. Take a look at the complete schedule below, or visit the official Heritage Days website here: https://cfallsheritagedays.com/events.html

Wednesday – July 23, 2025

  • 5:00 p.m. – 9:00 p.m. – 16th Annual Car Show at Marantette Park. – American Legion will be selling hamburgers and hotdogs during the event. For more information call Art – 406-270-4166

Thursday – July 24, 2025

  • FREE Open Swimming at Pinewood Park Pool.
    • 6:30 p.m. – 7:45 p.m. Adults and kids to 12 years old
    • 8:15 p.m. – 9:30 p.m. Adults and kids 13+ years old
  • 7:00 p.m. –  Lion’s Club Concert – Flathead Valley Community Band at Marantette Park
  • 7:00 p.m. – Open Rodeo at the Blue Moon Arena northeast corner of Hwy 2 and 40, just behind the Blue Moon Bar & Grille

Friday – July 25, 2025

Help the Wildcat/kat Athletic Endowment assist with the financial support of CFHS athletics.

  • 5:30 p.m. – 10:00 p.m. Wildcat/kat Athletic Endowment Auction and BBQ Marantette Park in Columbia Falls.
    • $5.00 per plate, $15 refillable beer cup, live auction and raffle baskets
  • 7:00 p.m. – Open Rodeo at the Blue Moon Arena northeast corner of Hwy 2 and 40, just behind the Blue Moon Bar & Grille

Saturday – July 26, 2025

  • 7:00 a.m. – 11:00 a.m. –  Firemen’s Breakfast – Don Anderson Fire Hall, 624 1st Ave. West.
  • 8:00 a.m. – Boogie-to-the-Bank 5k & 10k Run – North Fork to 5th Ave. West – Contact Glacier Bank at 406-751-4769 for more information.
  • 8:00 a.m. 3 on 3 Tournament – Columbia Falls High School parking lot (West side of building)
  • 10:00 a.m. to 5:00 p.m. – Arts, Crafts, and Food Vendors – Marantette Park – Contact Holly @ 406-885-9914 for information.
  • 10:00 a.m. – O-MOK-SEE –  Western Divisional Games with Horses – Rocky Mountain Saddle Club 2332 9th St. W. – Kathy 406-253-9590 for more information.
  • 10:00 a.m. to 2:00 p.m. – North Valley Senior Center Fund Raiser Luncheon. chili, corndogs, and floats
  • 11:00 a.m. to noon enjoy the North Valley High Steppers – 205 Nucleus Avenue – For more information call the Center at 406-892-4087.
  • 12:00 p.m. – Main Parade on Nucleus Avenue (Railroad Street to 7th Street West). Parade participants will stage along Railroad Street at the north end of Nucleus Ave. beginning at 11:00 a.m.
  • 1:00 p.m. – Columbia Falls Historical Society Fund Raiser Premier Showing of the Documentary Doug Follett – Glacier’s Poet. Taco Bar at the Methodist Church 117 2nd St W
  • 4:30 p.m. – Badrock Baggers Cornhole Tournament. Maranette Park $25.00 per team – Bags fly at 4:30 – 80% payouts, Top 3 pay out, Double elimination. For more information call Jeff 406-212-3179 or Johnny 406-314-1958

Sunday – July 27, 2025

  • 8:00 a.m. – 25th Annual WAEA Wildcat/kat Athletic Endowment Golf Scramble  – Glacier View Golf Club – 640 River Bend Dr, West Glacier, MT. Call Miranda 406-249-2204 or Jim 406-250-2017 to register.
    Pre-registration and payment is highly encouraged due to limited teams.

    • Format: 4 persons scramble – all skill levels invited
    • Start: 8:00 a.m. Packet Pickup
    • Rules: USGA rules govern play
    • Tees: Men play the WHITE tees, Women play the RED tees
    • Number of teams are limited
    • Handicaps: Callaway System
    • Cost: $115.00 per player for 18 holes of golf, Power Cart (2/team), lunch and hole prizes.
    • Register early, limited teams.
  • 10:00 a.m. – O-MOK-SEE –  Western Divisional Games with Horses – Rocky Mountain Saddle Club 2332 9th St. W. Kathy 406-253-9590 for more information.
  • 10:00 a.m. – 2:00 p.m. – Badrock Farmer’s Market – 320 Nucleus Avenue

Bank President Now Overseeing Operations from Perch Above Teller Line

Bank President Now Overseeing Operations from Perch Above Teller Line: Customers Encouraged to Climb Ladder for Personalized Service

Update: Happy April Fools’ Day!

Columbia Falls, MT – In an inspiring display of both business growth and physical agility, Freedom Bank has officially outgrown its office space, prompting an innovative solution: relocating the Bank President’s desk to the mezzanine level above the teller line.

Bennett admiring the Freedom Bank lobby from his new office atop the mezzanine.

President Don Bennett, a staunch advocate for open-door policies (now an open-air policy), has reassured customers that he remains as accessible as ever… provided they’re willing to scale a fifteen-foot ladder to reach him.

“For years, I’ve said my door is always open,” Bennett said, shouting slightly to be heard over the customers below. “And now, my entire office is open!”

A History of Elevated Thinking

A photo of two men on the roof of a trailer house mounting an American flag. One man is on the shoulders of the other man.

Hauf on Bennett’s shoulders to mount the American flag on the trailer bank in 2005.

No stranger to defying gravity, Bennett earned his pilot’s license in his early twenties and promptly used it to impress his now-wife, Barbra, by whisking her into the skies in a Cessna 172. “He told me he wanted to show me the world from a new perspective,” Barbra recalled. “In hindsight, I should have realized that meant he would eventually run a bank from a balcony.”

Bennett’s history of altitude-related decision-making doesn’t stop there. In 2005, he successfully convinced Board member Ron Hauf to scale the bank’s temporary headquarters – affectionately referred to as “the trailer bank” – to mount an American flag. “He has an uncanny ability to always look toward the horizon,” Hauf said. “And now that I think about it, that might just be because he’s physically higher than the rest of us most of the time.” Hauf, pointing to an old photograph with him on Bennett’s shoulders for the stunt, added, “But hey, at least he believes in lifting others up.”

Safety First… Or at Least a Close Second

A photo of a tin can with a string coming out of the end. There is a sign that reads, "If you would like a private conversation, please use the can. Otherwise, you are welcome to shout his name until he responds."

Tin can phone system.

To accommodate various levels of customer comfort, the bank has introduced two communication options: an extension ladder leading up to Bennett’s desk for those who prefer a face-to-face experience, and a state-of-the-art tin can telephone system for those less inclined toward heights. “The string is top-of-the-line,” Bennett assured skeptics. “Very little lag.”

Longtime loan customer Frank Delaney attempted the ladder climb to discuss financing for his expanding business but abandoned the mission halfway up. “I made it to the third rung, and that was plenty,” he said. “Luckily, I was able to holler my concerns up to Don, and he hollered back.”

In an effort to streamline communications even further, the bank is considering implementing a pulley system for document exchanges and a megaphone for addressing customer inquiries. Additionally, for the safety-conscious, Freedom Bank is proud to introduce a complimentary parachute policy for first-time ladder climbers. “We want our customers to feel secure, both financially and physically,” Bennett explained. “The parachutes are small, but they should slow folks down enough to enable a graceful landing near the fireplace.”

Bank employees have mixed feelings about the change. Lead Teller Lisa Decker reports occasional heart palpitations when Bennett leans too far over the mezzanine’s ledge to pass down loan advance slips. “I appreciate how engaged he is,” Decker said, “but I’d appreciate it more if he wore a safety harness.”

Despite logistical concerns, Bennett remains enthusiastic about the setup. “It’s a symbol of how high we’re aiming as a bank,” he said, standing triumphantly atop his new executive perch.
For now, the citizens of Columbia Falls will have to adjust to their high-flying banking experience – just be sure to hold the ladder steady for the next customer in line.

Happy April Fools’ Day!

Freedom Bank Celebrating 20th Anniversary as the Hometown Bank of Columbia Falls

This year marks a significant milestone for Freedom Bank as we celebrate our 20th anniversary. Since opening our doors in 2005, we’ve been dedicated to growing alongside you and supporting local businesses and initiatives.

We invite all community members to participate in our 20th-anniversary events. Your support has been the cornerstone of our success, and we can’t wait to celebrate this achievement with you. Stay connected with us through our website and social media channels for event updates and more information.

20th Anniversary Celebration Events

📅 Monday, April 7 through Thursday, April 10: Stop by the bank for coffee, cookies, and opportunities to win in our daily drawings and giveaways.

🍔 Friday, April 11: Join us for a celebratory BBQ starting at 11:00AM. We’ll be serving up hot dogs and hamburgers—rain, shine, or even snow!

Looking Ahead

As we celebrate this milestone, we remain committed to the values that have guided us for the past 20 years: personalized service, community involvement, and financial solutions tailored to your needs. We look forward to continuing our journey with you, fostering growth and prosperity in Columbia Falls and beyond.

Rental Listing Scams

Today, one of the most pressing concerns for the Flathead Valley is the availability of affordable housing. Scammers will try to exploit people’s desperation by using real rental listings and post them on various online platforms, such as social media groups, the marketplace, and more. A listing will look like a fantastic deal and the scammer will try and rush you into paying an application fee, deposit, and/or first month’s rent with promises to provide keys later. However, once they’ve received the money, scammers disappear leaving you without your money and with no place to live.

To avoid losing time and money to scammers use the following steps:

  • Search for the property’s address online. Often other ads will come up with the same address under a different owner or rental company. Rentals should only show up under one owner or management company, having multiple is a sign of a scam.
  • If it’s through a rental company check their website. Scammers will sometimes use the names of reputable companies. If the address is not listed on the company’s website it’s likely a scam.
  • If it’s an option, pay by debit or credit card. Using a card provides additional consumer protection that isn’t available when using gift cards, wire transfers, ACH, payment apps (i.e., Apple Pay, Venmo, CashApp, Zelle, etc.), or cryptocurrency. Scammers want you to use these other means because it’s difficult to get your money back.
  • Never pay someone you’ve never met in person, or for a property you’ve never seen. It’s best to always see the property or sign a lease before sending funds. If that’s not an option for you, see if a friend or family member can view the property.

Additional warning signs:

  • Pictures/features are too good to be true. Often these ads will feature high-end appliances or luxury amenities with a monthly rent well below what you’d expect to pay.
  • Feeling pressured to decide or sign a lease immediately. If you’re feeling rushed or pressured by a landlord, then proceed with caution. Scammers will try and invoke a strong emotion such as fear or excitement to make it harder for you to make a rational decision.
  • There’s no credit check involved. Most landlords and management companies will perform credit checks and income verification. If you are offered a lease without any of these requirements beware, they may be a scammer.
  • The rent is below anything else in the area. Check what similar properties are going for in the area. Scammers will offer rates well below the going rate to try and push you into coming up with a deposit quickly.

Steps to take if you’re a victim of a rental scam:

  • Call your bank. If caught in time the bank may be able to stop or cancel payments. If account numbers or debit card information were provided, you should close those accounts to prevent future unauthorized transactions.
  • File a complaint with the Federal Trade Commission and local police.
  • If you provided information such as Social Security Number, date of birth, or other sensitive personal or financial information, contact the credit bureaus to freeze your credit or set up a fraud alert.

Key Takeaways

If it seems too good to be true, then it probably is. Always be weary if someone is trying to invoke a strong emotion (i.e., fear, anger, happiness, excitement, etc.), take a moment to reassess and do further research.

Toys for Tots Donation Site

Through the gift of a new toy or book, Marine Toys for Tots’ programs deliver joy and send a message of hope to America’s disadvantaged children.

Freedom Bank is a donation site, accepting toys and books for children up to 16 years old. New, unwrapped gifts can be dropped off between November 1 and December 17, 2024 at Freedom Bank; 530 9TH ST W, Columbia Falls, MT 59912.

Every child deserves to experience holiday joy. Last year, the Marine Toys for Tots Program fulfilled the Christmas holiday dreams of nearly 10 million children in need. If you prefer to make a monetary donation, you can do so on the local website: https://columbia-falls-mt.toysfortots.org/

Heritage Days 2024

It’s that time of year and we can’t wait to celebrate!

The community celebration began in 1956 to mark the prosperity brought about by industrial expansion, which included the railroad, lumber business, and the Anaconda Aluminum Company.

Freedom Bank is honored to have been a part of Columbia Falls’ growth over the past 19 years. Just like many of our customers, Freedom Bank is a local business. It has been inspiring to participate and watch the community grow as we support it. As a small community bank, Freedom Bank provides personalized financial guidance tailored to the unique needs and goals of each business owner and individual and offers customized solutions to help the community achieve their goals. Freedom Bank recently expanded our services to help businesses and consumers with digital banking tools. Stop by to find out more. We want to be your bank!

Freedom Bank is a main sponsor of the Open Rodeo at the Blue Moon Arena and a proud partner of the Columbia Falls Community Market.

Heritage Days is an adventure and celebration for the whole family. Take a look at the complete schedule below or visit the official Heritage Days website here:

https://www.cfallsheritagedays.com/events.html

Wednesday – July 24, 2024

  • 5:00 p.m. – 9:00 p.m. – 15th Annual Car Show at Marantette Park.

Thursday – July 25, 2024

  • 7:00 p.m. – 8:30 p.m. – Lion’s Club Concert – Flathead Valley Community Band at Marantette Park
  • FREE Open Swimming at Pinewood Park Pool.
    • 6:30 p.m. – 7:45 p.m. Adults and kids to 12 years old
    • 8:15 p.m. – 9:30 p.m. Adults and kids 13+ years old
  • 7:00 p.m. – Open Rodeo at the Blue Moon Arena northeast corner of Hwy 2 and 40, just behind the Blue Moon Bar & Grille

Friday – July 26, 2024

Help the Wildcat/kat Athletic Endowment assist with the financial support of CFHS athletics.

  • 4:00 p.m. – 6:00 p.m. Wildcat/kat Athletic Endowment
  • 5:30 p.m. – Wildcat/kat Athletic Endowment Auction and BBQ Marantette Park in Columbia Falls.
    • 5:30 p.m. – 7:30 p.m. BBQ and Social Hour. $5.00 per plate
    • 5:30 p.m. – 8:30 p.m. Raffles
    • 6:30 p.m. – 8:30 p.m. Live Auction
    • 8:30 p.m. – 11:00 p.m. Beer Garden

Saturday – July 27, 2024

  • 7:00 a.m. – Firemen’s Breakfast at Don Anderson Fire Hall, 624 1st Ave. West.
  • 8:00 a.m. – Boogie-to-the-Bank 5k & 10k Run. North Fork to Discovery Square . Contact Ashley Campbell at 406-751-4758 for more information.
  • 8:00 a.m. to 3:00 p.m. – 3 on 3 Basketball Tournament 1805 Talbot Rd.
  • 10:00 a.m. to noon – Pickle Ball at Columbus Park – Pro match & demo following open play.
  • 10:00 a.m. to 2:00 p.m. – North Valley Senior Center Fund Raiser Luncheon.
    (sandwiches and deserts)
  • 11:00 a.m. to 12:00 p.m. enjoy the North Valley High Steppers line dancing demonstration
    For more information call the Center at 406-892-4087. The Center is located at 205 Nucleus Avenue.
  • 12:00 p.m. – Main Parade on Nucleus Avenue (Railroad Street to 7th Street West). Parade participants will stage along Railroad Street at the north end of Nucleus Ave. at 11:00 a.m.
  • 1:00 p.m. to 6:00 p.m. – Arts, Crafts, and Food Vendors (at Marantette Park) – Contact Brandy Ross @ 406-407-1211 for information.
  • 4:30 p.m. – Badrock Baggers Cornhole Tournament – Sign up onsite until 4:30 p.m. – Bags fly at 4:30 p.m. – $25.00/team – 80% payouts, double elimination.

Sunday – July 28, 2024

  • 7:00 a.m. – 20th Annual WAEA Wildcat/kat Athletic Endowment Golf Scramble  – Meadow Lake Golf Course – Columbia Falls, MT.
    Pre-registration and payment is highly encouraged due to limited teams.

    • Format: 4 persons scramble – all skill levels invited
    • Start: 8:00 a.m. Shotgun Start
    • Rules: USGA rules govern play
    • Tees: Men play the WHITE tees, Women play the RED tees
    • Field: Number of teams are limited to 36 with a max. of 4 players per team
    • Handicaps: Callaway System
    • Cost: $100.00 per player for 18 holes of golf, lunch and hole prizes.
    • Register by July 20, 2022 with the Meadow Lake Pro Shop (406)892-2111

Safe Online Shopping

Be Alert. Be Smart. Beware When Shopping Online This Holiday Season.

Protecting yourself while shopping online is of utmost importance. In today’s digital age, it is crucial to stay vigilant and take necessary precautions to ensure a safe online shopping experience. Opt for trusted platforms and payment gateways that offer encryption and fraud protection. Additionally, be cautious of suspicious emails or websites that may attempt to steal your personal data. Always double-check the legitimacy of the sender or the website before sharing any sensitive information.

7 ways to verify the safety of a website

  1. Check for a secure padlock: Browsers like Chrome, Safari, Edge, and Firefox show a padlock in the URL to mark safe sites. Click on it to ensure the site’s certificate matches the company.
  2. Check if the URL is authenticated (HTTP Secure): Authenticated websites typically start with https:// rather than http://. Illegitimate websites usually won’t bother with security certification since they are quickly shut down. It is crucial to confirm the presence of https:// on pages before you enter your payment details.
  3. Check the domain name: Counterfeit websites often use domain names that closely resemble those of legitimate businesses or organizations. Upon closer inspeAuthenticated URLction, you may notice that two letters have been swapped or there is a minor misspelling. If you encounter a spelling error in the domain name, it indicates that you are not on the official site, and it is advisable to close the tab.
  4. Use a website checker such as Google Transparency Report Webpage: This tool enables you to quickly evaluate the security rating of a website’s URL according to the standards set by Google.
  5. Search the company with the Better Business Bureau: The Better Business Bureau can be utilized to assess the trustworthiness of a company.
  6. Check to see if the company has a social media presence: Legitimate companies typically maintain an active presence on social media platforms. To authenticate this, verify whether their website contains social media icons that effectively lead to their social media channels.
  7. Check the website contact page: Proceed with caution if the company lacks various means of contact such as phone, email, live chat, or a physical address.

Additional Security Tips

  1. Hover over links: When you hover over a website link, you can view the underlying URL at the bottom of your browser. This allows you to verify the true destination URL, even if the link is labeled differently or redirects you elsewhere.

The image shows a link that at first glance looks like it will take you to the Better Business Bureau, however, when you hover the cursor over the link you can see it will take you to the Freedom Bank website.

  1. Sounds too good to be true, it is: Sellers often mark down products to clear stock or launch new items. Overly attractive deals should raise suspicion, as they’re likely not genuine. Always tread with caution when a deal seems too good to be true.
  2. Search for reviews or potential scams: If you’re uncertain about whether a website is legitimate or fraudulent, try searching for the website name along with the terms “scam” or “reviews”. You can stay up to date on current scams on the Federal Trade Commission’s website. If others have been tricked by a fake site, you’re likely to find reports when you look for scams. A reputable online store should have numerous reviews available for you to analyze. Stay alert for reviews that seem generic, sound automated or unnatural, or are excessively brief, as these may be fake.
  3. Scammers try to invoke specific emotions: Scammers attempt to elicit feelings of anxiety, fear, joy, or sorrow. Their aim is to prompt you to make impulsive emotional decisions, thereby gaining access to your financial resources. If a phone call, email, or text message is evoking emotions within you, step back and give yourself a moment to think rationally before acting. Seek advice from trusted friends or family.

Protect yourself further with alerts, controls, and notifications provided by Freedom Bank

  1. Set up alerts: Through online banking or the mobile app you can set up custom alerts to be sent to your email and/or cell phone.
    • Stay updated on all transactions to your checking account and receive alerts whenever your debit card is used.
    • Establish alerts when withdrawals from your checking account exceed a predefined threshold or a set a low balance alert.
    • Receive alerts when changes are made to your online banking, including lockouts.
  2. Download the Freedom Bank MT mobile app: The Freedom Bank MT mobile app provides a variety of functions that help keep your accounts secure. You have the ability to establish controls for your debit card, activate or deactivate lost debit cards, configure various account alerts, monitor your accounts, view statements, and much more.
  3. Respond to fraud notifications: Freedom Bank utilizes 24/7 fraud monitoring for suspicious debit card transactions. If a transaction is identified as suspicious, the transaction will be blocked and you will receive a text message from 37268 within 15 seconds of the transaction attempt. You have two options for responding to the text:
    • If the transaction is legitimate and has been initiated by you, respond ‘YES” to the message and you will have the opportunity to reattempt the transaction, which should then be successful.
    • If you did not participate in the transaction or believe it to be fraudulent, reply ‘NO’. Your response will restrict further transactions until you either contact the fraud number provided in the message, or Freedom Bank at (406) 892-1776.
  1. Utilize card controls: Freedom Bank offers a variety of tools to help you secure and manage your debit card including but not limited to:
    • Set spending limits based on location, amount, and merchant type.
    • Set travel plans internationally and within the United States.
    • Gain total transparency in every transaction with each business identified.
    • Immediately turn off a lost or stolen card from your mobile device.