Business Banking Services of North Dakota


Checking	Savings & CDs	Credit Card
Personal Checking Accounts, Business Checking Accounts, Student Checking, Direct Deposit and N.O.W. Accounts.	Personal Savings Account, Business Savings Accounts, Money Market Accounts and Certificates of Deposit and IRA Accounts.	Business, Rewards Cards and Young Adults.

Wire Transfer
Contact your local bank office for instructions and applicable fees

Regular Checking (Personal & Business Accounts)

Non-interest bearing.
$25 minimum deposit required to open an account.
Monthly minimum balance charge of $3 plus $.10 per check/paper debit if the daily balance drops below $0.

N.O.W. Account (Personal & Eligible Business Accounts)

Interest earned on the average daily balance.
$500 deposit required to open an account.
Monthly minimum balance charge of $5 plus $.15 per check/paper debit if average daily balance drops below $500 for the statement period.
This account is available to First Club Members with no service charge. Limit 1 account per couple with the service charge waived.
Interest rate and annual percentage yield will depend upon the average daily balance in the account. Interest will compound monthly and be credited to the account monthly.

Money Market Account (Personal & Business Accounts)

Interest earned on the average daily balance.
$2500 deposit required to open an account.
Monthly minimum balance charge of $10 if average daily balance drops below $2500 for statement period.
Interest rate and annual percentage yield will depend upon the average daily balance in the account. Interest will compound monthly and be credited to the account monthly.
6 transfers may be made from the account per month by pre-authorized or automatic transfer, check, draft or debit card. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Student Club Checking (Personal)

Available to students any age through their first year after high school graduation. This account will be transferred to a Regular Checking Account one year after graduation from high school.
Non-interest bearing.
$25 deposit required to open an account.
No service charge.
One free box of checks upon opening an account.

Regular Savings Account (Personal & Business)

$25 deposit is required to open an account.
Minimum average daily balance of $25 must be maintained to earn interest.
No service charge.
Interest will compound quarterly and be credited to the account quarterly.
6 transfers may be made from the account per month by pre-authorized or automatic transfer, check, draft or debit card. Transfers and withdrawals made in person, by messenger, by mail or at an ATM are unlimited.

Certificate of Deposit

3, 6, 12, 24, 36, 48 and 60 month.
24 month and greater terms have a 1 time adjustable rate option each term. Customer may request that the rate be adjusted to our current board rate once during each term.
Interest is paid annually for terms of 12 months and greater.
Interest is paid at maturity for 3 and 6 month terms.