VISIONBank is a leader in North Dakota SBA lending; having been recognized with the District Director’s Award consecutively since 2010. We understand local business… because we are one. #BankWithVISION

Business Checking
Business Checking
ACCOUNT FEATURES
Community CheckingClassic Business CheckingClassic Business Interest CheckingCorporate Plus Business Checking
DescriptionDesigned for small clubs and non-profit organizationsOur most popular account for general small business useFor sole proprietorships and non-profit organizations onlyFor businesses with numerous transactions
FREE Standard Online Bill Pay
FREE Online Check Images
FREE Online Statements (For Online Banking users enrolled in eStatements)
FREE Mobile Banking (Download FREE Mobile App)
FREE Debit Card*
with EMV Chip Security
*For qualifying applicants.

Business Checking
Account Details
Community
Checking
Classic Business CheckingClassic Business Interest CheckingCorporate Plus Business Checking
TransactionsNo charge for a total of 100 checks, debit items or items deposited per month. A $0.30 fee for each additional item after limit is exceeded.No charge for a total of 75 checks, debit items or items deposited per month. A $0.30 fee for each additional item after limit is exceeded.No charge for a total of 75 checks, debit items or items deposited per month. A $0.30 fee for each additional item after limit is exceeded.A $0.15 fee for each item (includes checks, withdrawals, deposits, and deposit items).
Minimum Balance RequiredNone$200$500None
Monthly Service FeeNoneA service fee of $10.00 per calendar month will apply if the balance falls below $200.00 on any day in the month.A service fee of $10.00 per calendar month will apply if the balance falls below $500.00 on any day in the month.$8.00 monthly maintenance charge
Annual Percentage Yield (APY)------Variable rate of interest compounded monthly. **---
The monthly service charge is based on the activity level of the account combined with the balance that is maintained. The average collected balance will earn a credit and the activity costs listed above will be deducted from it. Thee earnings credit is tied to the 91-day Treasury bill rate based upon the average collected balance (after the 10% reserve requirement). If the earnings credit exceeds the activity cost, there is no service charge for the month. Accounts with average monthly uncollected balances will be charged current lending rates on those uncollected balances.

**Interest is earned each day that the required minimum balance is maintained.

Business Savings

Business Savings Account Features

 Regular Business SavingsBusiness Money Market SavingsUltimate Business Money Market Savings
FREE Online Statements
(For Online Banking users
enrolled in eStatements)
QuarterlyMonthlyMonthly
FREE Mobile Banking
6 FREE automatic withdrawals or transfers may be made during each calendar month.*
(See us for full details.)
Check Writing Privileges

Limited to 6 per calendar month.*
(See us for full details.)
---
*A transaction fee of $1.00 will be charged for each withdrawal or debit over 6 in a calendar month.

Business Savings Account Details

 Regular Business SavingsBusiness Money Market SavingsUltimate Business Money Market Savings
Minimum Balance Required $200$500$100,000
Monthly Service FeeA service fee of $2.00 per calendar month will apply if the balance falls below $200.00 on any day in the month.**A service fee of $9.00 per calendar month will apply if the balance falls below $500.00 on any day in the month.**A service fee of $10.00 per calendar month will apply if the balance falls below $100,000.00 on any day in the month.**
Annual Percentage Yield (APY)Variable rate of interest compounded quarterly. ***Variable rate of interest compounded monthly. ***Variable rate of interest compounded MONTHLY. (Interest is earned on all balances)
Tiered rate. (See us for details)
**Fees may reduce earnings.
***Interest is earned each day that the required minimum balance is maintained.

Business Loan Services

Let VISIONBank help you grow your business!

From ongoing lines of credit to fixed term loans, we have the right products and services that will take your business to the next level.

Business Line of Credit

Generally used for short-term working capital needs. Funds can be advanced as needed and repaid as cash fl ow allows. Business lines of credit are generally reviewed with the client on an annual basis.

Business Loans

Can be used for a wide variety of purposes, which could include the purchase of an existing business, a business expansion, or the purchase of additional equipment. Loan terms will vary based on the purpose of the loan.

Commercial Real Estate

Generally used to purchase real estate, expand or remodel an existing property, or refinance an existing real estate loan. Loan terms will vary based on the purpose of the loan and the property being financed.

SBA Financing

Available for qualified businesses and can be used for a wide variety of purposes, including lines of credit, business purchases, equipment purchases, and commercial real estate financing.

BIA Loans

VISIONBank offers several loan programs through the Bureau of Indian Affairs (BIA). These loan programs are similar to SBA financing, but are offered for Native American owned businesses.

Bank of ND Loans

VISIONBank works closely with the Bank of ND to offer a variety of additional loan programs. The Bank of ND offers programs for businesses of all types and sizes, ranging from beginning entrepreneurs to seasoned business owners.

Credit Cards

What do you want most from your business credit card? Now you have a choice.
Whatever your needs, we have a credit card that’s right for you.

VISA Business Card

Extended Intro Rate
Non-Rewards

VISA Business Cash Card

Up to 3% Cash Back
Non-Rewards

VISA Business Bonus Rewards Card

25% Bonus
Rewards

VISA Business Bonus Rewards PLUS Card

50% Bonus
Rewards

Questions? Want to apply? Call us today at 701.364.2020
or click below for more information from elan card services.

Learn More
Business Certificates of Deposit

Certificates of Deposit provide a safe avenue to higher interest rates. All of our CD’s require a minimum deposit of only $500.00 and are available in various terms from 3 months to 60 months.

See us for specific terms, interest rate information, interest payment information and withdrawal restrictions. A penalty may be imposed if funds are withdrawn before the specified maturity date.

Business Services

ACH Collection and Disbursements

Use this feature to make the following types of payments right from your office:

  • Direct Deposit of payroll, Social Security and other government benefi ts, and tax refunds
  • Direct Payment of consumer bills such as mortgages, loans, utility bills and insurance premiums
  • Busines-to-business payments
  • E-commerce payments
  • Same day ACH is NOW AVAILABLE

Login to VISIONBanks ACH service

Remote Deposit

Deposit checks electronically rather than delivering the paper originals to VISIONBank by
using our Remote Deposit.

Credit Card Processing

VISIONBank will help you optimize your payment processing to maximize your business’ cash flow. Process
credit cards, recurring payments, mobile payments, electronic invoicing, eCommerce and much more! We
are here to give you all the essential information and training about the upcoming changes and how they may
affect you and your business.

Get started today!

  • FREE, no obligation cost comparison of your current provider today to see how much you could save!
  • Clients have saved up to $17,000 per year in credit card processing fees just by switching to VISIONBank!

Actual savings will vary depending on business type, transaction volume, and other variables.

Interested in accepting credit card payments but just don’t know where to start?
VISIONBank can help incorporate the best products and services for your specific business type.

Call Now! (701) 364.2020

Wire Transfers

Wire Funds to VISIONBank:

Receiving Bank: United Bankers Bank
Bloomington, MN
Routing Number:091001322
Beneficiary Bank:VISIONBank
3000 25th St. S
Fargo, ND 58103
701.364.2020
Beneficiary Bank Account Number:2503662
For Further Credit:Client Name
Account Number:Client Account Number

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