Create My Online Account Today

Simplify. You can manage student loans online with Bank of North Dakota (BND). Whether you’re a borrower or cosigner, there are benefits to creating an online account. 

  • More control with your payments! Schedule a payment the same day or for a future date or set recurring payments with BND to be automatically withdrawn monthly, weekly, or biweekly to fit your needs. Reduce your interest rate by 0.25% when you sign up for recurring payments. 
  • Cosigners can set up automatic payments that only withdraw if the borrower misses their payment and view scheduled payments.

Steps to create my online account

  1. Click the Create My Account button below to create an account. 
  2. Provide the information requested and consider the following: 
    • The email address for your account must match the one BND has on file for you.
    • If you do not wish to enter your Social Security Number, you may use the Loan Number found on documentation from BND.
    • You will need access to your email or cellphone to validate your account.
  3. Review and accept the privacy policy and terms and conditions.
  4. Click the Sign Up button.
  5. Validate your account by clicking the link sent to your phone or email.
  6. Start managing your account online. 

Helpful tips

Here are some helpful how-to tips to get you started on managing your account online. If you have questions, please contact us Monday through Friday from 8 a.m. to 5 p.m. CT.

Create and set up my account

Create and access my online account

Set up my account and preferences including electronic alerts and paperless documents

  1. Log in to your account.
  2. Select Account Settings under My Account.
  3. Check the box under Electronic Account Alerts if you would like to receive account alerts, such as payment reminders and confirmation, by email.
  4. Select your Preferred Overpayment Method.
  5. Select your Preferred Delivery Method for important documents, like statements, notices, and 1098 tax documents.
  6. Review the TCPA Agreement. Providing your consent and phone number allows Bank of North Dakota to text or call you through the use of any dialing equipment.
  7. Click the Save Changes button.

Update my contact information and authorized users under My Account

Update my contact information

  1. Log in to your online account.
  2. Choose Contact Information under My Account and add or edit information as needed.

Add an authorized user to my account

  1. Log in to your online account.
  2. Select Authorized Users under My Account and follow the steps on the page.

Make payments

Make one-time payments online

  1. Log in to your online account.
  2. Use one of the following buttons to make a one-time payment.
    • Make a payment for one or more loans, to the right of your screen.
    • Make a Payment under the individual loan detail.
    • Make a Payment under the Your Loan dropdown.
  3. Choose all loans or an individual loan in the Select Loan dropdown.
  4. Select or enter the Amount to Pay.
    • Note that if you selected all loans in the dropdown, you must enter an amount for each loan. If you enter a Custom Amount that is more than the amount due, the overpayment will be applied as indicated under your Account Settings.
  5. Enter the Payment Date.
  6. Select the Payment Method.
    • If needed, you can use the buttons toward the bottom of the screen to add or manage payment methods.
  7. Click Submit Payment.
  8. Review the payment details, along with the important notices in the blue box, and click Confirm Payments.


Set up my recurring payments and reduce my interest interest rate by 0.25%

  1. Log in to your account.
  2. Click on Payment Methods under My Account to add/edit banking information.
  3. Choose Manage Recurring Payments from Useful Links on the home page to add/edit recurring payments.
  4. Continue to add recurring payments for each loan as needed.

Please note that if you have a variable interest rate loan, the rate and minimum monthly payment amount may change quarterly. The amount you enter for your recurring payment is a fixed amount and will not change based on your interest rate or minimum payment amount. If your rate increases, review your account online or contact our office to verify the recurring payment will be enough to satisfy the minimum monthly payment.

Cosigners: View scheduled payments and schedule a backup payment if needed

  1. Log in to your online account.
  2. Click Manage Backup Payment Plans under Useful Links.
  3. Choose Add Payment Method (if none exist).
  4. Select Create Backup Payment Plan.

Note that backup payment plans must be created for each loan.

View account status and documents

Find and access my documents

  1. Log in to your online account.
  2. Choose View Documents under Your Loan on the home page to view loan statements and applicable 1098-E tax forms.

View and print my payment history

  1. Log in to your online account.
  2. Click on View Transaction History under the loan information on the home page.
  3. Click the Payments tab and choose Export to CSV to generate a spreadsheet.

Please note that this information is based on an individual loan. If you have more than one loan, you will have to complete steps two and three for the additional loans.

Find my payoff balance

  1. Sign in to your online account.
  2. Look for the Total Current Balance on the main page to see the balance as of that day.

Note that the Current Payoff Amount displayed under Loan Balance Details is effective for the payoff date listed. If you were to enter a payment for this amount prior to the future payoff date, you would get an error message because it’s more than the current day’s balance.

For general information on student loan repayment

Visit the Manage Your Loan page for more detailed information about BND student loan repayment. If you have questions, please contact us.

  • Call Us


  • Email Us

  • Start A Live Chat

    See icon in the lower right corner to connect.