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North Dakota is known for its scenic beauty, wide-open spaces, and strong sense of community. But beyond the landscapes and agriculture, it’s also home to a number of solid banking options for residents and business owners alike.
Whether you prefer the personal touch of a local bank or the convenience of a national one, North Dakota has something for everyone. From low-fee checking to competitive CD rates, the right bank can help you manage your money with ease.
11 Best Banks in North Dakota
North Dakota has more community banks than most states, but that doesn’t mean you’re limited. You’ll also find well-known national names and strong online options. Here are the best banks in North Dakota worth considering.
U.S. Bank combines the advantages of local accessibility with the broad offerings of a national bank. You’ll find more than 2,000 branch locations in the U.S., including throughout North Dakota.
U.S. Bank is currently welcoming new applicants with a special offering:
Subject to certain terms and limitations. Offer valid through May 6, 2025. Member FDIC.
Offer may not be available if you live outside of the U.S. Bank footprint or are not an existing client of U.S. Bank or State Farm.
The account includes a free debit card that can be locked or unlocked if ever misplaced or stolen. There are no ATM transaction fees at U.S. Bank ATMs and no surcharge fees at over 40,000 MoneyPass® Network ATMs.
The checking account requires a $25 opening deposit and a $6.95 monthly fee. This fee can be waived for those 24 and under, 65 and over, or military members (must self-disclose).
Additionally, the fee can be waived with monthly deposits of $1,000+, an average balance of $1,500+, or holding an eligible U.S. Bank credit card. Qualifying for any Smart Rewards® tier (Primary, Plus, Premium, or Pinnacle) also waives the fee.
Gate City Bank is a local bank with 45 branches across North Dakota and central Minnesota, including cities like Bismarck, Fargo, Grand Forks, Mandan, Minot, and West Fargo.
A standout feature is its generous ATM fee policy—Gate City Bank refunds all third-party ATM fees, no matter where you are in the world.
That kind of flexibility can make a big difference if you travel or use out-of-network ATMs.
The bank’s Totally FREE Checking account is a simple, no-fuss option that requires just a $50 opening deposit.
There are no monthly maintenance fees and no minimum balance requirements, making it ideal for everyday use.
Although savings account rates are on the lower side, Gate City Bank offers more competitive returns through its CDs and money market accounts.
It also provides a range of loan products, including home and auto loans, plus free custom debit cards to personalize your account.
SoFi is an online bank that’s ideal for anyone who prefers digital banking. It offers strong interest rates—up to 3.80% APY on savings and 0.50% APY on checking balances.
New customers can also earn a welcome bonus of $50 to $300, depending on their initial deposit.
There are no monthly fees or minimum balance requirements, and you’ll get perks like early direct deposit, which can get your paycheck up to two days early.
SoFi provides up to $2 million in FDIC insurance and up to $50 in fee-free overdraft coverage for those with qualifying direct deposits.
You’ll also have access to over 55,000 Allpoint® ATMs, making it easy to withdraw cash whenever you need it.
Bell Bank, headquartered in Fargo, has a strong presence across North Dakota, with branches in cities like Fargo, Grand Forks, Wahpeton, and more.
The bank is known for its customer-first approach and generous ATM policy—you can use any ATM nationwide, and Bell Bank will refund the first four third-party ATM fees you incur each month.
Checking accounts come with no monthly maintenance fees, no minimum deposit to open, and no balance requirements, making it easy to manage your money without extra costs.
Bell Bank also includes free identity theft recovery insurance and offers the ChangeSaver™ program, which rounds up debit card purchases and moves the spare change into your savings.
For savers, Bell Bank provides competitive rates on money market accounts and CDs, with promotional offers available for both short- and long-term savings.
The bank also offers wealth management services and competitive rates on auto and personal loans, giving you access to a wide range of financial tools all in one place.
GO2bank is an online-only bank that simplifies the process of opening a checking account.
You can also benefit from a high-yield savings account with an impressive 4.50% APY for balances up to $5,000.
Depositing cash is straightforward with more than 90,000 accessible locations, and you can use up to 55,000 ATMs without incurring additional fees.
One highlight is the option to receive your paycheck or government checks a few days early. There’s a $5 monthly fee for the checking account, but this can be easily waived if you set up a recurring direct deposit.
If you happen to spend more than you have, GO2bank has a feature that covers you for up to $200, providing a bit of a safety net.
For those interested in building or improving their credit score, GO2bank offers a Secured Visa Credit Card that can help you accomplish just that.
Bremer Bank is a regional bank serving North Dakota, Minnesota, and Wisconsin, with North Dakota locations in cities like Bismarck, Fargo, Grand Forks, Jamestown, and Minot.
Its broad Midwest footprint and customer-focused approach make it a reliable choice for those who want both convenience and personalized service.
The bank’s basic checking account has a modest $3 monthly fee, but it’s easy to waive. You can skip the fee by enrolling in paperless statements, maintaining a $1,500 average balance, or if you’re under 21 or over 64.
Opening an account requires a $100 minimum deposit, but there are no ongoing balance requirements. You’ll also get fee-free access to Bremer Bank and MoneyPass ATMs across the country.
Bremer Bank offers competitive rates on CDs and money market accounts, while standard savings rates tend to be lower.
Extra perks include a complimentary financial plan with your checking account and your first set of checks at no cost, giving you added value without the added fees.
Bravera Bank is a small local bank with branches in Bismark and Dickinson in North Dakota, and also extends its reach to Great Falls and Billings in Montana. What makes this bank special is its strong focus on lending.
They offer an array of loan options that aren’t just limited to home and personal loans; they also provide specialized loans for things like boats, RVs, and even snowmobiles.
The bank stands out for its small business services, offering various loans and multiple business checking account options to meet the needs of local business owners.
There are no monthly service fees, and you also don’t have to worry about maintaining a minimum balance, making it straightforward to manage your accounts. A noteworthy perk is their $1,000 bonus for new homeowners who decide to refinance their mortgage within two years of the initial loan.
Once you qualify for membership, you have access to a range of financial products, including three different fee-free checking accounts.
Two of these accounts come with rewards for your purchases, while the third allows you to earn interest on your balance.
One of the standout features is their extensive ATM coverage. Not only can you use First Community Credit Union ATMs for free, but you also have fee-free access to 32,000+ MoneyPass locations, 30,000+ CO-OP machines, and 6,700+ NYCE Network ATMs nationwide.
When it comes to savings, FCCU offers highly competitive rates on CDs. They also have attractive loan rates and various offerings tailored for small business owners.
Wells Fargo is a national bank that’s a convenient option for frequent travelers or those who appreciate widespread accessibility.
With branch locations and ATMs across 37 states, including multiple locations in North Dakota, you’re rarely far from a Wells Fargo facility.
They currently have a special promotion where you can earn a $300 bonus. To qualify, you just need to open a new account with an initial deposit of $25 and make at least $1,000 in direct deposits within the first 90 days.
One of their most popular checking options is the Everyday Checking account. Although it comes with a $10 monthly maintenance fee, it’s fairly easy to get this fee waived.
You can do so by maintaining a $500 daily balance, receiving $500 or more in electronic deposits, being between the ages of 17 and 24, or linking your account to a Wells Fargo Campus card.
Wells Fargo offers competitive returns on both savings accounts and CDs. Additionally, the bank provides a variety of credit cards that feature rewards and bonuses.
VISIONBank is a local gem for residents in the Fargo area, boasting three strategically placed locations in South Fargo, West Fargo, and North Fargo.
While it’s a community bank, you aren’t limited to just its branches for ATM use. You can use any MoneyPass ATM across the country without incurring fees, which adds a layer of convenience.
There are no monthly fees or no minimum daily balance requirements for checking accounts, which makes it easier to manage your finances without worry.
This North Dakota bank also has appealing rates, particularly on CDs. While the savings account rates are low, the high-yield CDs can be a great way to grow your money over time.
If you’re a small business owner, you’ll appreciate VISIONBank’s dedicated business banking services, including competitive loan rates.
To top it all off, VISIONBank offers robust mobile banking options, allowing you to manage your finances easily from your smartphone.
BNC National Bank strikes a balance between the feel of a local bank and the reach of a national bank.
With branches located across North Dakota, particularly in the Bismarck area, as well as Minnesota and Arizona, customers have convenient access to the bank.
Opening a checking account is relatively simple, requiring just a $50 deposit. There are no monthly fees or minimum balance requirements.
ATM access is also versatile. You can withdraw cash without fees at BNC Bank, MoneyPass, and even Pulse ATMs. This extensive network ensures you’ll likely find a convenient ATM wherever you are.
Additional perks include free checking for individuals aged 50 and over, which could be beneficial for those in that age bracket. Small business owners aren’t left out, either; the bank offers various business loans to suit different needs.
How to Choose the Best Bank in North Dakota
Selecting the right bank is a crucial decision that can have a significant impact on your financial well-being. Here are the key factors that will help you choose the best bank in North Dakota for your specific needs:
Location: Proximity to branches and ATMs is important if you prefer in-person interactions or need regular access to cash.
Fees and requirements: Be sure to scrutinize the bank’s fee structure. Monthly maintenance fees, overdraft charges, and other potential costs should be factored into your decision.
Interest rates: Consider the annual percentage yields (APYs) offered on checking, savings, and CDs. Competitive rates are often a strong indicator of the best banks in North Dakota.
Account types: Make sure the bank or credit union has the kinds of bank accounts you require, whether it’s checking, savings, or even business accounts.
Online and mobile banking: A user-friendly online platform and mobile app are essential for straightforward financial management.
Customer service: Accessible and reliable customer service is invaluable, especially in emergencies. Look for options like 24/7 support and online chat features.
FDIC or NCUA insurance: Ensure that the institution is insured by the Federal Deposit Insurance Corporation (FDIC) or the National Credit Union Administration (NCUA) to protect your funds up to certain limits.
Additional services: Beyond basic banking needs, consider whether the financial institution offers other services like loans, credit cards, or investment advice.
Bonuses and rewards: Incentives such as sign-up bonuses or cash-back offers can be attractive but should be weighed against other factors like fees and interest rates.
Types of Banks in North Dakota
When looking for the right place to manage your money in North Dakota, you’ll find various types of banks to suit your financial needs. Here’s a closer look at each type, complete with examples:
National banks: These institutions have an extensive footprint with branches and ATMs across multiple states. They offer a comprehensive range of financial services, including everything from basic bank accounts to specialized investment products. In North Dakota, national banks like Wells Fargo and Bank of America are prominent options.
Regional banks: Operating primarily in specific geographic locations such as the Midwest, regional banks often strike a balance between broad access and localized service. Bremer Bank and BNC National Bank are notable examples in North Dakota.
Community banks: Focused on serving their local communities, these smaller banks provide personalized service. Bravera Bank, Dakota Community Bank & Trust, First International Bank & Trust, Gate City Bank, and VISIONBank, are such community banks in North Dakota.
Online banks: Online-only banks provide services exclusively online and usually offer competitive interest rates on savings accounts and lower fees. Examples include SoFi, GO2bank, and American Express National Bank.
Credit unions: Owned by their members, credit unions often offer favorable interest rates and a more personalized service experience. Black Hills Federal Credit Union, Dakotaland Federal Credit Union, and First Community Credit Union are credit unions open to residents of certain communities in North Dakota.
Final Thoughts
North Dakota may not have the biggest banks in the country, but it offers a strong mix of local service and national access. Whether you’re looking for face-to-face help at a neighborhood branch or a mobile-first experience, there’s something for everyone.
From no-fee checking to high-yield savings and generous welcome bonuses, the best banks in North Dakota offer practical features for everyday life. Take a little time to compare options, and you’ll find a banking partner that fits your financial goals.
Frequently Asked Questions
Which bank has the most branches in North Dakota?
Gate City Bank has the largest presence, with 44 branches across the state and Central Minnesota. Among national banks, U.S. Bank has the widest reach in North Dakota, with 11 locations.
How much do I need to deposit into a savings account in North Dakota?
Requirements vary. Some banks have no minimum, while others may require $100 or more to earn interest or avoid fees. For example, Gate City Bank requires a $100 balance to earn interest, while Wells Fargo waives its $5 monthly fee if you keep $300 in the account.
If you can keep a higher balance, look into the best interest for your money, whether that’s a high-yield savings account, a CD, or a retirement savings account.
Are online banks a good option in North Dakota?
Yes. If you’re comfortable with digital banking, online banks like SoFi and GO2bank offer competitive interest rates, no monthly fees, and perks like early direct deposit. Just make sure you’re okay with not having physical branch access.
Stephanie Faris is a professional finance writer with more than a decade of experience. Her work has been featured on a variety of top finance sites, including Money Under 30, GoBankingRates, Retirable, Sapling, and Benzinga.
