Public

Bank of North Dakota (BND) offers basic checking and savings accounts to North Dakota residents. To prove North Dakota residency, an individual must have a North Dakota driver’s license or North Dakota government-issued photo identification card, and a physical address in North Dakota. A business must have a physical address in North Dakota and at least one signatory on the account must be a North Dakota resident.

Because of our unique structure as a state-owned bank, it is the Bank’s policy not to compete with the private sector for retail deposits. Therefore, convenience products such as debit cards, credit cards or online bill pay are not offered. BND has one location at 1200 Memorial Highway in Bismarck, North Dakota. In order to open a checking or savings account or purchase a CD, you must schedule an appointment to come to the Bank location during lobby hours, 8 a.m. – 5 p.m. CT, Monday – Friday.

ABLE Plan

An Achieving a Better Life Experience Act (ABLE) savings account is for individuals with disabilities and their families. ABLE is similar to a 529 college savings plan. Earnings grow tax free when saved for a variety of qualified expenses. Click here to learn more about the ABLE Plan.

Certificate of Deposit

Certificate of Deposit (CD) are available to North Dakota residents for a minimum of $100. You must come to BND in order to establish the certificate. Click here to learn more about CDs.

Checking and Savings Accounts

Checking and savings accounts are available to North Dakota residents. You must come to the Bank location to open the account. BND does not offer debit cards nor have ATMs. Click here to learn more about BND’s Checking and Savings Accounts.

Foreign Currency

BND customers with an established checking or savings account for at least 90 days can order foreign currency in person at BND. Place the order five business days before you will pick up the funds. Click here to learn more about Foreign Currency.

Foreign Drafts

BND customers with an established checking or savings account for at least 90 days can order foreign drafts in person at BND. Click here to learn more about Foreign Drafts.

Loan Payments

Loan payments may be made online or by mailing your payment to BND Loan Operations. Click here to learn more about Loan Payments.

Wire Transfers

Wire transfers are available for customers with a BND deposit account. All wire transfers must be initiated in person at BND. Click here to learn more about Wire Transfers.