Public

Bank of North Dakota (BND) offers basic checking and savings accounts and other retail banking services to North Dakota residents. To prove North Dakota residency, an individual must have a North Dakota driver’s license 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. Learn more

BND offers this service to residents of North Dakota. If you have questions, contact us or call 701.328.5880.

Canadian Currency Exchange Rates

Canadian Currency Exchange Rates
Rate last changed May 13, 2021
Canadian Currency Exchange Rates
Rate last changed May 13, 2021
BND buys Canadian currency at BND sells Canadian currency at
0.76% 0.87%
Canadian Currency Exchange Rates
Rate last changed May 13, 2021
BND buys Canadian currency at 0.76%
BND sells Canadian currency at 0.87%
Please note that the above rate is subject to change without notice due to the periodic volatility of foreign currency exchange rates.

BND offers this service to North Dakota residents who have a BND checking or savings account. If you have questions, contact us or call 701.328.5615

CDs

CDs are available to North Dakota residents for a minimum of $100. You must come to Bank of North Dakota at 1200 Memorial Highway in Bismarck, North Dakota in order to establish the certificate.

CD Rates
Effective as of 06/14/2021
CD Rates
Effective as of 06/14/2021
Term Interest Rate
30 Days 0..07% APY
60 Days 0..07% APY
90 Days 0.10% APY
180 Days 0.10% APY
1 Year 0.20% APY
2 Year 0.25% APY
3 Year 0.35% APY
4 Year 0.40% APY
5 Year 0.50% APY
CD Rates
Effective as of 06/14/2021
Term 30 Days
Interest Rate 0..07% APY
Term 60 Days
Interest Rate 0..07% APY
Term 90 Days
Interest Rate 0.10% APY
Term 180 Days
Interest Rate 0.10% APY
Term 1 Year
Interest Rate 0.20% APY
Term 2 Year
Interest Rate 0.25% APY
Term 3 Year
Interest Rate 0.35% APY
Term 4 Year
Interest Rate 0.40% APY
Term 5 Year
Interest Rate 0.50% APY
Annual Percentage Yield (APY): The effective annual rate of return taking into account the effect of compounding interest.
The minimum balance of $100 is required to obtain the advertised annual percentage yield. Fees may reduce earnings on this account. Early withdrawals may be subject to a penalty.

CDs are available to North Dakota residents for a minimum of $100. You must come to Bank of North Dakota at 1200 Memorial Highway in Bismarck, North Dakota in order to establish the certificate.

CD Rates
Effective as of 06/14/2021
CD Rates
Effective as of 06/14/2021
Term Interest Rate
30 Days 0..07% APY
60 Days 0..07% APY
90 Days 0.10% APY
180 Days 0.10% APY
1 Year 0.20% APY
2 Year 0.25% APY
3 Year 0.35% APY
4 Year 0.40% APY
5 Year 0.50% APY
CD Rates
Effective as of 06/14/2021
Term 30 Days
Interest Rate 0..07% APY
Term 60 Days
Interest Rate 0..07% APY
Term 90 Days
Interest Rate 0.10% APY
Term 180 Days
Interest Rate 0.10% APY
Term 1 Year
Interest Rate 0.20% APY
Term 2 Year
Interest Rate 0.25% APY
Term 3 Year
Interest Rate 0.35% APY
Term 4 Year
Interest Rate 0.40% APY
Term 5 Year
Interest Rate 0.50% APY
Annual Percentage Yield (APY): The effective annual rate of return taking into account the effect of compounding interest.

BND offers this service to residents of North Dakota. If you have questions, contact us or call 701.328.5615.

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 ATM machines. Starting February 16, 2021, you may schedule an appointment at 701.328.5840 to open a new account at BND.  Learn more

BND offers this service to residents of North Dakota. If you have questions, contact us or call 701.328.5615.

Foreign Currency

BND customers with a checking or savings account can order foreign currency in person at BND. Place the order five business days before you will pick up the funds.

If you do not have an account with BND,

  • Ask your financial institution if they have foreign currency
  • Order from an online foreign exchange website, such as CXI, where the funds will be shipped to your home
  • Use a currency exchange service at an international airport
  • Use an ATM in the country they are visiting
  • Pay by credit card instead of foreign currency

Fee: You must pay a fee plus the U.S. equivalent of the amount you wish to receive when ordering.

BND offers this service to North Dakota residents who have a BND checking or savings account. If you have questions, contact us or call 701.328.5615.

Foreign Drafts

BND customers can order a foreign draft in person at BND. North Dakota residents who are not customers or live outside the Bismarck-Mandan area can order a draft through their local financial institution. You will be charged a fee for a foreign draft. Please contact us for more information.

BND offers this service to North Dakota residents who have a BND checking or savings account. If you have questions, contact us or call 701.328.5615.

Loan Payments

Loan payments may be made online or by mailing your payment to:

BND Loan Operations
PO Box 5509
Bismarck, ND 58506

BND offers this service to residents of North Dakota. If you have questions, contact us or call 701.328.5759.

Wire Transfers

Wire transfers are available for customers with a BND deposit account. All wire transfers must be initiated in person at BND.

BND offers this service to residents of North Dakota. If you have questions, contact us or call 701.328.5615.