Credit Cards

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Call 406-651-2328 or log into online banking, click “settings” then “cards” to block your card.

Yes! You can pay Altana loans and credit cards directly from our digital banking.

Credit cards allow you to borrow money up to a certain credit limit to make purchases for goods or services or access cash advances. You’re required to make at least the minimum payment each month, and if you don’t pay off the full balance by the due date then interest is charged on the remaining balance. Managing a credit card responsibly involves paying the balance on time and in full whenever possible to avoid interest and build a positive credit history.

Credit card interest is charged on any unpaid balance from your previous billings cycle. If you don’t pay off the full balance by the due date, interest is applied to the remaining amount, often at a high annual percentage rate (APR). This interest compounds, meaning you will pay interest on both the principal and any previously accrued interest.

Credit cards can be secured or unsecured. Unsecured credit cards do not require collateral, approval is based on your creditworthiness, and you are given a credit limit based on your credit score and income. Secured credit cards require funds from a share account as collateral, which acts as your credit limit, and is often used to build or rebuild credit.

Yes, credit cards can be used at ATMs to withdraw cash, known as a cash advance. However, there are important considerations like fees and interest rates on cash advances that generally start accruing immediately. The amount you can withdraw is usually limited and depends on your credit card’s cash advance limit.

Credit cards let you borrow money up to a limit and pay back later. Debit cards use funds directly from your checking account.