PERSONAL BANKING

From your first checking & savings, to your first car, home loan, and onto your retirement. All of the products and services of a big bank with the personalized care of a small town one. 

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Products + Services

Personal Banking with VISIONBank means you get all of the banking products you need paired with the absolute best customer service in town. Our clients mean everything to us; we want to get to know you and your family (including your pets)!

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CHECKING ACCOUNTS

  • Mortgage-CheckMark-WebIcon

    Free Checking

    No Minimum Balance Required

    No Monthly Service Fees

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    Ultimate Checking

    $400 Minimum Balance Required¹

    Variable Rate of Interest Compounded and Credited Monthly²

¹ A service fee of $9 per calendar month will apply if the balance falls below $400.00 on any day in the month. Fees may reduce earnings.

² Interest is earned each day that the required minimum balance is maintained.

 

Dark blue circle with light blue dollar coins to indicate savings account

SAVINGS ACCOUNTS

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    Regular Savings

    $50 Minimum Balance Required¹

    Variable Rate of Interest Compounded and Credited Quarterly²

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    Money Market Savings

    $500 Minimum Balance Required³ 

    Variable Rate of Interest Compounded and Credited Monthly²

  • Mortgage-CheckMark-WebIcon

    Ultimate Money Market Savings

    $100,000 Minimum Balance Required⁴

    Variable Rate of Interest Compounded and Credited Monthly.

    Tiered Rates (Click here)

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    Youth Savings

    No Minimum Balance Required

    Only for Ages 18 and Younger. Parent or Guardian Required on The Account.

     

¹ A service fee of $2 per calendar month will apply if the balance falls below $50.00 any day in the month. Fees may reduce earnings.

² Interest is earned each day that the required minimum balance is maintained.

³ A service fee of $9 per calendar month will apply if the balance falls below $500.00 on any day of the month. Fees may reduce earnings.

⁴ A service fee of $9.00 per calendar month will apply if the balance falls below $100,000 on any day of the month. Variable rate of interest is compounded and credited monthly. Interest is earned on all balances. Fees may reduce earnings.

Dark blue circle with light blue hand with interest rate sign above it to indicate loans.

PERSONAL LOANS

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    Auto Loans

    Wide variety of financing options for new and used vehicles.

     

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    Recreational Loans

    We'll finance your boat, motorcycle, RV, or snowmobile.

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    Home Equity Loan + Line of Credit

    Use the equity in your home to secure a home equity loan or line of credit.

     

  • Mortgage-CheckMark-WebIcon

    Home Loans

    We offer financing for construction loans, first time homebuyers, second homes, and more.

     

Dark blue circle with light blue check with a pen to indicate checking account

CHECKING ACCOUNTS

  • Mortgage-CheckMark-WebIcon

    Free Checking

    No minimum balance required

    No monthly service fees

  • Mortgage-CheckMark-WebIcon

    Ultimate Checking

    $400 minimum balance required¹

    Variable rate of interest compounded and credited monthly²

¹ A service fee of $9 per calendar month will apply if the balance falls below $400.00 on any day in the month. Fees may reduce earnings.

² Interest is earned each day that the required minimum balance is maintained.

Dark blue circle with light blue dollar coins to indicate savings account

SAVINGS ACCOUNTS

  • Regular Savings

    $50 minimum balance required¹

    Variable rate of interest compounded and credited quarterly²

  • Money Market Savings

    $500 minimum balance required³ 

    Variable rate of interest compounded and credited monthly²

  • Ultimate Money Market Savings

    $100,000 minimum balance required⁴

    Tiered Rates (Click here)

  • Youth Savings

    No minimum balance required

    Only for ages 18 and younger. Parent or guardian required on the account.

¹ A service fee of $2 per calendar month will apply if the balance falls below $50.00 any day in the month. Fees may reduce earnings.

² Interest is earned each day that the required minimum balance is maintained.

³ A service fee of $9 per calendar month will apply if the balance falls below $500.00 on any day of the month. Fees may reduce earnings.

⁴ A service fee of $9.00 per calendar month will apply if the balance falls below $100,000 on any day of the month. Variable rate of interest is compounded and credited monthly. Interest is earned on all balances. Fees may reduce earnings.

Dark blue circle with light blue hand with interest rate sign above it to indicate loans.

PERSONAL LOANS

  • Mortgage-CheckMark-WebIcon

    Auto Loans

    Wide variety of financing options for new and used vehicles.

  • Mortgage-CheckMark-WebIcon

    Recreational Loans

    We'll finance your boat, motorcycle, RV, or snowmobile. 

  • Mortgage-CheckMark-WebIcon

    Home Equity Loan + Line of Credit

    Use the equity in your home to secure a home equity loan or line of credit.

  • Mortgage-CheckMark-WebIcon

    Home Loans

    We offer financing for construction loans, first time homebuyers, second homes, and more.

3 MONTH CDS AT 4.06% APY, 6 MONTH CD AT 4.04% APY

Certificates of Deposit

We offer a wide variety of CDs with competitive interest rates. 

*Annual Percentage Yield effective as of February 27, 2023. Penalty for early withdrawal may apply.

FAQs

Q: What is VISIONBank’s Routing Number?

The routing number for all VISIONBank locations is 091311106.

 

 

Q: Can I Cash A VISIONBank Check Without A VISIONBank Account?

Yes, if you do not have a VISIONBank account you can come inside one of our branches and cash your check with a valid photo ID.

 

 

Q: How Can I Manage My Debit Card in Digital Banking?

Our digital banking interface allows you to issue travel requests, change your PIN, turn your card on or off, report a card lost or stolen, and enroll in debit card transaction alerts.

 

 

Q: Does VISIONBank Text Me About My Digital Banking Credentials?

No, we will never ask you to provide your credentials such as your username, password, or security questions over text, email, or phone call. If you have any questions or concerns, please contact us at 701.364.2020 or cs@visionbanks.com.

 

 

Q: Can I Use Apple Pay, Samsung Pay, or Google Pay With My VISIONBank Debit Card?

Yes! For instructions on how to set these up, please visit our Digital Banking page.

 

 

Q: What Do I Need to Open An Account?

All you’ll need is a valid photo ID, phone number, email address, and your SSN. If your address on your driver’s license is not current, we will need proof of address such as a bill, lease, statement, etc..

 

 

Q: Can I Transfer Money From My Child’s UTMA Account To Another Account Internally?

No, everything that involves UTMA accounts must be done over the phone or in person.

 

 

Q: How Many Locations Does VISIONBank Have?

We have three conveniently located branches in Fargo and West Fargo! Learn more about our locations such as contact information and addresses by clicking here.

 

 

Q: Do You Provide Credit Cards?

Yes, we offer a variety of consumer and business credit cards. Apply online today by clicking here, or give us a call and we will help you with the application!

 

 

Q: Does VISIONBank Offer Text Message Alerts For Debit Cards?

Yes, you can turn on debit card transaction alerts for every successful and denied transaction. Click here for enrollment instructions.

 

 

Why #BankWithVISION?

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Rated One Of The Best!

Don’t just take our word for it. Our customers have left hundreds of 5-star reviews on Google and Facebook complimenting our friendly team and top-notch banking services. Check out our reviews for yourself!

 

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User Friendly Digital Banking

Our Digital Banking gives you easy and convenient control of your money through online and mobile banking! It allows you to manage your accounts, track your spending, and so much more!

 

 

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Top-Notch Customer Service Team

Our team will guide you through everything banking and make sure your experience is the best it can possibly be.

 

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WE ARE 100% LOCALLY OWNED.

We are a locally-owned community bank that was started in 2003 by a team of experienced bankers who were committed to providing exceptional service and building an organization that would never lose that small town bank connection to its clients.

 

Contact Us!

Customer Testimonials

VISIONBank's staff are simply incredible! They are caring, professional. and always going beyond the call of duty. I feel like family each time I stop by. They not only call me by name, ask about my kids.... but they even know my voice when I call them. I can't say enough good things about VISIONBank. It's an experience everyone should have!

Orange circle with white L for Laetitia Hellerud Review

Laetitia Hellerud

 

 

Dude! The best banking experience ever! Vision has some of the best customer service I've ever seen. When I walk in it makes me feel like I am at my former small town bank where everyone knows everybody by name. I also love how involved they are with the community! A bank that really cares!

Orange circle with white A for Adam Larson Review

Adam Larson