Financial Institutions

Originate ACH payments, move money electronically and process payroll files and accounts payable files. Submit your own NACHA-formatted files and upload them to BND. Use BND templates if you are unable to create a NACHA-formatted file.

Conduct cash management activities from multiple points within your institution through a secure Internet connection. Activities include administration, ACH services, Balance Reporting, Bank Reporting, Book Transfers, Loan Payments, Participation Loan Activity, Messaging and Wire Transfers. Learn more

BND provides monthly portfolio accounting reports along with updated market values for all securities. Learn more

An authorized officer, employee or agent of the institution may order coin and currency through Rochester Armored Car Services’ online ordering system: https://cashservices.rochesterarmoredcar.com/app/. The financial institution must sign a contract with Bank of North Dakota prior to accessing this service. Click on the forms button above to access the form.

BND provides Collateral Valuation Services to any North Dakota financial institution. Learn more

Your deposit account at BND allows you to move money freely for correspondent banking activities.

Interest rate risk analysis is performed on securities held in bond accounting. Price volatility is calculated under rate shocks of up or down 100, 200, 300 or 400 basis points. Learn more

Settle your Fed activity through your account at BND

BND provides a daily market for the purchase and sale of funds. Learn more

Fed Funds Sweep can assist you in maintaining your target DDA balance. The Fed Funds Sweep occurs automatically when your DDA balance is above or below the target balance determined by your financial institution.

Maintain your pass-through reserves through your account at BND.

We will place orders for foreign drafts. Contact us for information.

Customers can request the purchase or sale of any government security through BND with corresponding safekeeping fees for deliveries waived.

BND provides electronic clearing of checks and return items. Use BND to receive Federal Reserve Bank cash letter files.

To issue an LOC, a North Dakota financial institution submits a written request to BND for the LOC. Learn more

View your participation loan activity, submit payments and request advances.

BND holds investments pledged as security for the repayment of public deposits. Learn more

BND facilitates your issuance of repurchase agreements in place of excess deposit insurance. If additional liquidity is needed, securities can be pledged to BND following the same procedure as the Secured Federal Funds Program. Repurchase agreements are more commonly used to securitize your non-public deposits.

BND provides a safekeeping service for U.S. Treasury securities, federal agency securities, corporate bonds, municipal bonds, money market investments and mortgage-backed securities. Learn more

Delivery Instructions

Fed Book Entry
Bank of North Dakota Bismarck/1020
ABA #091300285

Depository Eligible DTC Book Entry
JP Morgan Chase
DTC Participant Account No. 00902
Agent ID 25787
Institutional ID 26097
Reference: G54194 Bank of North Dakota

Utilize this Excel-based tool to stress multiple portfolios based on loan to value, cash flow and interest rate.

Farm & Commercial Stress Testing Model (Excel)

Farm Real Estate Stress Testing Model (Excel)

Wire transfers move quickly and safely through BND. Domestic wires can be initiated by phone or online; international wires must be initiated by phone. The outgoing international wire deadline is 3:30 p.m. CT and domestic is 4:00 p.m. CT.