Montgomery Bank on Your Credit Report
In short: Headquartered in Sikeston, MO, Montgomery Bank has operated under FDIC certificate 8255 since its charter was established in 1934. Its 06/30/2026 call report shows $1.18 billion in total assets and 12 FDIC-reported offices. It is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator. When Montgomery Bank reports an account, it is the furnisher of record, and FCRA §623 obliges it to investigate a dispute you send straight to the bank rather than only through a bureau. Information that is inaccurate, incomplete, or unverifiable can be disputed under the FCRA. Outcomes depend on what the furnisher can verify, and results vary.
Who Montgomery Bank actually is
Charter details above are from the FDIC BankFind public database.
What makes this creditor different
Montgomery Bank was chartered January 1, 1934 and is insured under FDIC certificate 8255. It reported $1.18 billion in total assets and 12 FDIC-reported offices on its 06/30/2026 call report — about $99 million per reported office across its MO footprint.
How Montgomery Bank appears on your credit report
Montgomery Bank furnishes its own tradelines rather than selling them to a servicer, and at $1.18 billion over 12 FDIC-reported offices it does so from a single MO operation. A 92-year-old charter of this size often carries accounts through legacy core systems, which is exactly where date and status fields get mangled — so ask in writing what the furnished date of first delinquency is and compare it against your own records.
Names it may report under
Products that commonly show up
- ◆Construction and lot loans that convert to permanent financing
- ◆Residential mortgages retained in portfolio rather than sold to an investor
- ◆Auto and other secured consumer loans booked at Montgomery Bank offices
Grounds to dispute a Montgomery Bank entry
Each of these is a reason a Montgomery Bank tradeline may be inaccurate or unverifiable. None of them assures removal — they are the angles worth checking on your own report.
- ◆Business loan reporting on a personal credit file with no personal pledge on record
- ◆Automatic-payment enrolment that lapsed at Montgomery Bank without notice, producing a late mark
- ◆Account transferred between Montgomery Bank systems after a core conversion and duplicated
- ◆Account balance or credit limit reported incorrectly
- ◆Payment reported late when it was made inside the grace period
- ◆Date of first delinquency re-aged to extend how long it can report
- ◆Account still reporting as open after it was closed, or vice versa
- ◆Duplicate tradeline for the same account after an internal transfer
- ◆Account belongs to someone else with a similar name, or is the result of identity theft
Disputing an original creditor is not the same as disputing a collector
Montgomery Bank is an original creditor — the institution whose name was on the account when it was opened. That matters for two reasons. First, the FDCPA, which governs debt collectors, generally does not apply to a creditor collecting its own debt in its own name, so the “debt validation” request that works against a collection agency is not the right tool here. Second, as the furnisher of the tradeline, Montgomery Bank has direct obligations under FCRA §623 to investigate a dispute you send it and to correct or delete information it cannot verify as accurate.
Dispute with the bureaus — FCRA §611
File with Equifax, Experian and TransUnion. They must generally investigate within 30 days and tell the furnisher. Free, and you can do it yourself.
Dispute with the furnisher — FCRA §623
Send Montgomery Bank a direct written dispute. It must investigate and must not continue reporting information it knows is inaccurate. Keep copies and proof of delivery.
Montgomery Bank questions, answered
Is Montgomery Bank FDIC-insured, and what is its certificate number?
Yes. Montgomery Bank holds FDIC certificate 8255. The FDIC record shows a charter established January 1, 1934, headquarters in Sikeston, MO, and 12 FDIC-reported offices with $1.18 billion in total assets as of the 06/30/2026 call report. It is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator.
Who regulates Montgomery Bank, and where do I escalate if a dispute fails?
Montgomery Bank is a state-chartered commercial bank that IS a member of the Federal Reserve System, supervised by the Federal Reserve and its state regulator, so its primary federal oversight comes from the Federal Reserve, working alongside the state banking department. If a dispute with the bank and the bureaus both fail, you can complain to the Federal Reserve, to the MO state regulator, or to the CFPB. That does not replace your FCRA rights — it is an escalation path on top of them.
How old is the Montgomery Bank charter, and why does that matter for my credit report?
Montgomery Bank was chartered in 1934, after federal deposit insurance existed but long before the FCRA was enacted in 1970. A bank of this vintage has usually absorbed smaller institutions along the way, so a 92-year-old account may still be reporting under a predecessor's name. If the furnisher name on your report is not one you recognise, ask Montgomery Bank to identify which institution originated the account — an inaccurate furnisher name is itself disputable.
How big is Montgomery Bank, and what does that mean for disputing an account?
Montgomery Bank reports $1.18 billion across 12 FDIC-reported offices — roughly $99 million per office. The FDIC's office figure counts all reported locations, including non-retail ones such as loan-production sites, so it should be read as a reported footprint rather than a branch count. For a dispute, the practical point is that an institution this size normally handles consumer files with identifiable staff rather than a fully automated queue.
How do I dispute a Montgomery Bank account on my credit report?
You have two free routes and you can use both yourself without paying anyone. Under FCRA §611 you may dispute with Equifax, Experian and TransUnion, and under FCRA §623 you may dispute directly with Montgomery Bank as the furnisher. Put it in writing, identify the account by its last four digits and open date, state specifically what is inaccurate rather than simply saying you disagree, and keep copies and proof of delivery. Whether an item changes depends entirely on what Montgomery Bank can verify, and results vary from case to case.
Does MO law change anything about a Montgomery Bank account?
Keep two clocks separate. The FCRA reporting window is federal and does not vary by state. Your state's statute of limitations — how long anyone can successfully sue you — is separate and independent: a debt can be too old to sue over yet still report legitimately, or drop off your report while remaining collectable. Montgomery Bank being headquartered in Sikeston, MO does not make MO law automatically yours; the limitation period usually follows where you live and what the contract says. Check your own state's rule, and note that making a payment restarts that clock in many states.
How long can a Montgomery Bank account stay on my credit report?
Seven years from the date of first delinquency is the general rule for a Montgomery Bank tradeline. The date that matters is when the account first went delinquent and stayed that way — not when Montgomery Bank charged it off or when it was last reported. If the account has been re-aged so that it will report longer than it should, the wrong date is an FCRA inaccuracy in its own right and can be disputed separately from the debt.
Does Montgomery Bank appear in the CFPB complaint database?
We do not publish a complaint figure for Montgomery Bank. The CFPB database is keyed to company names that do not map cleanly onto FDIC certificate 8255, and attributing another company's complaint volume to this bank would be inaccurate. If you want to check for yourself, search the CFPB's public complaint database directly by company name. If you have an unresolved problem with this bank you can also file your own complaint there at no cost.
What is the difference between disputing with Montgomery Bank and disputing with a collection agency?
The distinction decides which statute you are using. Montgomery Bank is the original creditor and the furnisher of the tradeline, so your route is FCRA §623 — a duty to report accurately, with no 30-day validation window attached. A debt collector that later acquires the account is covered by the FDCPA instead, and FDCPA §809 gives you a validation demand within 30 days of its first contact. Read the furnisher name on your report first; a validation letter sent to Montgomery Bank is aimed at the wrong statute.
Other creditors on credit reports
This page is general information about consumer rights, not legal advice, and does not create an attorney-client relationship. Crowned Credit is not affiliated with, endorsed by, or sponsored by Montgomery Bank; company names are used only to identify the institution a consumer may see on a credit report. Crowned Credit does not promise any particular outcome; results vary by individual circumstances and by what a furnisher is able to verify. Accurate, verifiable information generally cannot be removed from a credit report. You have the right to dispute inaccurate information yourself, for free, directly with the credit bureaus and with the furnisher.
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