According to the United States Census Bureau, the city has a total area of 0.99 square miles (2.56 km2), all land.

Cut Bank experiences a semi-arid climate (Köppen BSk), with long, cold, dry winters and short, warm, wetter summers.

In winter, bitterly cold arctic air masses move south and impact the eastern side of the American Continental Divide.

During such invasions, Cut Bank, with its comparatively high elevation and topography, is frequently the coldest location in the lower 48 U.S. States.

Being close to the eastern slopes of the Rocky Mountains also makes the area subject to occasional Chinook winds that can rapidly increase the local temperature.

[18] Cut Bank is served by Amtrak's Empire Builder long-distance train on its route from Chicago to Seattle/Portland.

The city, in conjunction with Amtrak and the current track owner BNSF Railway, recently repainted its historic train station in the traditional Great Northern depot colors.