Business Banking


Small Business Accounts

Monthly Maintenance Fee            $3.00
Per Check Written Charge   $0.05
Credit for Average Available Balance     $0.10 per $100.00
Charge-Backs   $2.00


Large Business Accounts
Deposit more than 100 checks per month

Monthly Maintenance Fee            $5.00
Per Check Written Charge   $0.10
Per Check Deposited Charge   $0.06
Charge-Backs   $2.00
Credits   N/C
Credit for Average Available Balance     NOW/Classic Rate
Stop Payments - Check/ACH   $30.00


Domestic Wire Transfers                   
    • Incoming
    • Outgoing   $25.00
    • Non-customer outgoing wires   $50.00
International Wire Transfers   $50.00

ACH Origination

ACH for Direct Deposit:  Conduct Payroll through Automated Clearing House (ACH) transactions.  This allows you to electronically deposit funds into employees checking and/or savings accounts.  Direct Deposit eliminates the possibility of lost, stolen or altered checks.

ACH for Direct Debit Payments:  Conduct Billing through ACH.  Debit your customers accounts for rent, membership fees, donations, utilities, premiums or other services.  Collection of funds is timely and automated, never lost in the mail. 

Monthly fees apply.

Visa® Debit Card – for Business Accounts
Use your Visa® Debit Card to make purchases. Payment is automatically deducted from your business checking account. Or use your Visa® Debit Card to make withdrawals from Automated Teller Machines (ATM’s) worldwide.

Lost Cards – For lost or stolen Visa® Debit Cards/Cash Cards call 1-877-CAN-CEL1 (1-877-226-2351).


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Ag Loans

Agricultural Loans

  • Operating lines of credit
  • Term loans for machinery and livestock
  • Real estate loans for land purchase
  • FSA guarantees available
  • Farmer Mac loans
  • Minnesota Rural Finance participations
  • Finpack financial services available

Ag Loan Contacts

Hawley Office        Jim        218-483-3361
    Dave   218-483-3361

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Business Loans

Business Loan

  • Revolving Lines of Credit
  • Equipment Term Loans
  • Commercial Real Estate Loans
  • SBA Guaranteed Loans
  • Letters of Credit

Business Loan Contacts

Moorhead Office        Robby        218-233-2544
    Dale   218-233-2544
    Bruce   218-233-2544
Hawley Office   Dave   218-483-3361
    Dan   218-483-3361


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Business Credit Cards

Choosing the right business credit card is easier than ever. 

No matter which card you choose, you'll enjoy important features like:

  • Award-winning expense management tools
  • Free employee cards
  • EMV smart chip technology for added security
  • Mobile purchasing for added convenience

See one of our Personal Banking Officers for more information.


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