Welcome to Frontier

Both First Citizens and Frontier want to better serve our community. First Citizens saw that partnering with Frontier would help it grow and offer more to customers, all while keeping the personal, local service you trust. Frontier has more resources and services it can share, and First Citizens brings deep local experience and relationships. By joining forces, we believe we can do more for you, our employees, and our community.

Frontier Credit Union is headquartered in Idaho Falls, Idaho. It has been around since 1935 and is well-established in the region with multiple branch locations. As a Frontier customer, you’ll also have access to a nationwide network of thousands of surcharge-free ATMs through the CO-OP network. In short, Frontier is a strong local credit union with a broad reach to serve your needs.

You can expect to see the First Citizens branch rebranded with Frontier’s name and signs very shortly after the merger is finalized. In fact, the plan is to update the signage within the first few days of February 2026. So, you’ll see the Frontier Credit Union name on the building very soon after everything is complete.

The branch’s phone number will not change. After the transition, our staff will receive new Frontier email addresses (for example, ending in @frontiercreditunion.com), but that change may take a bit of time to roll out. During the changeover and even after, any emails or calls to the current First Citizens contacts will still reach us. We want to make sure you can easily get in touch with the same people you know, without any hassle.

We don’t expect any major staffing changes at this time. The same friendly folks you’ve come to know at First Citizens will continue to be there to help you, just as part of the Frontier team now. The First Citizens branch in Butte will remain open and will become a Frontier Credit Union branch. As our teams come together, there might be a few small adjustments behind the scenes, but our focus is on working together to keep serving local families and businesses just like we always have.

Frontier’s current President and CEO, Dan Thurman, will continue to serve as the President/CEO after the transition. This means the combined organization will have the same leadership guiding it forward, providing stability and continuity.

Frontier’s Board of Directors will stay the same, with no planned changes. The First Citizens board will continue to oversee First Citizens’ operations until the acquisition is complete, then they will step aside once everything is finalized. In other words, once the acquisition is wrapped up on February 1, 2026, Frontier’s existing board will govern the credit union going forward.

No. We are not closing any branches as a result of this acquisition. The First Citizens Bank of Butte location will remain open and simply become one of Frontier’s branch locations. We’re adding this branch to Frontier’s network of locations, so you’ll gain the benefits of Frontier’s other branches without losing your local office in Butte.

First Citizens Bank of Butte accounts will need to be transitioned to Frontier before August 2026, at which time account numbers and related account details will change. Our team will work with customers to ensure a smooth transition of account details. As of August 1, 2026 all checks, debit cards, credit cards and automatic payments associated with First Citizens Bank of Butte will no longer be valid. To transition accounts to Frontier customers should visit the Butte branch in person or call 406-494-4400 to schedule an in-person or virtual appointment.

Checks, debit cards and credit cards associated with First Citizens Bank of Butte accounts will change when accounts are transitioned to Frontier Credit Union. For safety and security cards associated with Frontier accounts can be instant issued in branch while you wait. Replacement checks, if needed, will be provided at no cost.

Yes. Online banking access will change when accounts are transitioned to Frontier Credit Union. Customers will need to download the Frontier mobile app and set up online banking access once accounts are transitioned. To transition accounts to Frontier, customers should visit the Butte branch in person or call 406-494-4400 to schedule an in-person or virtual appointment. Our team will be happy to help walk you through the set-up of online banking with Frontier should you need assistance.

When your account is transitioned to Frontier Credit Union, account numbers will change. Customers will need to update direct deposit and automatic payment details with your new Frontier account information.

Your safe deposit box will remain at the Butte branch location with Frontier. Customers will need to come into the branch to update the safe deposit box agreement and transition the account to Frontier.

Yes. To keep your accounts after the transition, you will need to be a Frontier Credit Union member by August 2026. If you prefer not to become a Frontier member, you have the option to opt out (see below).

To become a Frontier Credit Union member, you will need to transition your First Citizens Bank of Butte accounts to Frontier Credit Union accounts. Call us at 406-494-4400 to schedule an in-person or virtual appointment. If you choose not to become a Frontier member, you have the option to opt out (see below).

To opt out, complete and return the opt-out notice that you received in the mail by April 1, 2026.

As of February 2, 2026, First Citizens Bank of Butte customers are eligible to apply to join Frontier Credit Union. Frontier Credit Union serves eligible individuals who live, work, or attend school within its scope in Idaho and Montana, including Silver Bow County. Eligibility is determined during the application process. For questions about whether someone qualifies, contact or visit a Frontier Credit Union branch.

Frontier Credit Union offers a broad range of financial products and services including lending and deposit account options. Availability of specific products and services depends on eligibility and membership requirements.

Frontier Credit Union is a not-for-profit, member-owned financial institution. This means the credit union does not have outside shareholders and is operated for the benefit of its members rather than investors. Frontier Credit Union’s customers have an ownership interest in the credit union through their membership, and the organization is governed under the credit union structure rather than a shareholder model.

Deposits held at Frontier Credit Union are federally insured by the National Credit Union Administration (NCUA) through the National Credit Union Share Insurance Fund (NCUSIF). Coverage is provided up to the applicable insurance limit. NCUA insurance is backed by the full faith and credit of the U.S. government.

If you have accounts at both Frontier Credit Union and First citizens Bank of Butte, those accounts will be held at Frontier following the acquisition on February 1, 2026. First Citizens Bank of Butte accounts will need to be transitioned to Frontier. To transition these accounts to Frontier customers should visit the Butte branch in person or call 406-494-4400 to schedule an in-person or virtual appointment.

Products and services held at First Citizens Bank of Butte will be transitioned to comparable products and services offered by Frontier Credit Union. Terms, features and availability may differ based on Frontier’s product structure and membership requirements. For specific details on comparable products contact or visit the branch and our team will be more than happy to walk you through your account options.

Treatment of loans and other non-deposit accounts held at First Citizens Bank of Butte will depend on the specific account type and applicable requirements. Customers should call the Butte branch at 406-494-4400 or visit in person to receive information about how their individual loans or non-deposit accounts may be handled as part of the transition.

Customers should continue making loan payments as they do today. When you transition your account to Frontier any loans currently with First Citizens Bank of Butte will be transitioned as well. Updated details about when and how to make payments to the transitioned loan will be provided to you by our branch team.

Beneficiary designations will need to be reviewed on an individual basis. How beneficiaries are handled may depend on the account type and applicable requirements. Customers should call the Butte branch at 406-494-4400 or visit in person to receive information about their specific accounts and any steps that may be required.

Customers are encouraged to transition accounts to Frontier before systems conversion is complete in August 2026. Once customers transition their accounts to Frontier online access will be available through Frontier’s website and mobile application. Before transitioning their accounts, First Citizens Bank of Butte customers should continue using fcbob.com for online banking access to their First Citizens accounts. Once the systems conversion is complete in August 2026 First Citizens Bank of Butte banking access, cards and checks will no longer be valid. For questions, updates or to transition your account to Frontier customers should visit the Butte branch in person or call 406-494-4400 to schedule an in-person or virtual appointment.