Personal Banking
Personal Checking
| Personal Checking Features | Free Checking | Ultimate Checking |
|---|---|---|
| Free Standard Online Bill Pay | ||
| Free Online Check Images | ||
| Free Online Statements | ||
| Free Mobile Banking | ||
| Free Debit Card* with EMV Chip Security | ||
| Unlimited Check Writing Privileges | ||
| Free VISION check blanks** (If a check design other than the VISIONcheck is desired, you'll receive a $5.00 credit towards your check order.) | ||
| Free Visa Gift Cards** | ||
| Free issuance of Cashiers Checks, Money Orders, and/or Travelers Checks | ----- | |
| Minimum Balance Required | None | $400 |
| Variable rate of interest compounded monthly*** | None | |
| Monthly Service Fee | None | A service fee of $9.00 per calendar month will apply if the balance falls below $400 on any day in the month. Fees may reduce earnings. |
**When you open a Money Market Savings along with a free checking account.
***Interest is earned each day that the required minimum balance is maintained.
Personal Savings
| Personal Savings Features | Youth Savings | Regular Savings | Money Market Savings | Ultimate Money Market Savings |
|---|---|---|---|---|
| Free Online Statements (For Online Banking users enrolled in eStatements) | ||||
| 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.) |
| Personal Savings Details | Youth Savings | Regular Savings | Money Market Savings | Ultimate Money Market Savings |
|---|---|---|---|---|
| Minimum Balance Required | None | $50 | $500 | $100,000 |
| Monthly Service Fee | None | A service fee of $2.00 per calendar month will apply if the balance falls below $50.00 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 on any day in the month.** |
| Annual Percentage Yield (APY) | Variable rate of interest compounded Quarterly. (Interest is earned on all balances) | 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 rates. (See us for full details) |
| Age Requirements (If Under 18, parent or guardian required on account) | Only for ages 18 & younger. |
***Interest is earned each day that the required minimum balance is maintained.
CD - Certificates of Deposit
Certificates of Deposit provide a safe avenue to higher interest rates.
| Term | Interest Rate | APY* | |
|---|---|---|---|
| 3 Month | 0.10% | 0.10% | |
| 6 Month | 0.20% | 0.20% | |
| 9 Month | 0.20% | 0.20% | |
| 12 Month | 0.30% | 0.30% | |
| 15 Month | 0.35% | 0.35% | |
| 18 Month | 0.40% | 0.40% | |
| 24 Month** | 0.50% | 0.50% | |
| 36 Month | 0.80% | 0.80% | |
| 48 Month | 1.15% | 1.15% | |
| 60 Month | 1.40% | 1.40% |
Only $500 mimimum balance required to open account and earn APY*
*Annual Percentage Yield Penalty For Early Withdrawal May Apply.
**If interest rates increase, you may bump up your interest rate one time during the term of the CD.
Please contact a VISIONBank employee for further information about applicable fees and terms.
| Term | Interest Rate | APY* | |
|---|---|---|---|
| 17 Month | 0.75% | 0.75% | |
| 37 Month** | 1.35% | 1.35% | |
| 57 Month | 2.05% | 2.05% |
Only $500 mimimum balance required to open account and earn APY*
*Annual Percentage Yield Penalty For Early Withdrawal May Apply.
**If interest rates increase, you may bump up your interest rate one time during the term of the CD.
Please contact a VISIONBank employee for further information about applicable fees and terms.
IRA - Individual Retirement Accounts
Our retirement plans are the perfect savings vehicle for your future. By investing in our plans, you can secure your retirement dollars without the risk of market fluctuations. We offer the following types of investment options:
- Traditional IRA
- Roth IRA
- IRA Savings
- Education Savings
Debit Cards
Debit Card Features
- Make purchases at any VISA merchant worldwide.
- Receive alerts when purchases are approved, declined, or both.
- Purchase securely with debit cards that are equipped with EMV chip technology.
- Turn your debit card “on/off” through Online Banking.
- Cards are available to qualified applicants.
Instant Issue Debit Cards
Tired of waiting 7-10 business days for a new Debit Card? Now you can get a new one in minutes instead of days with VISIONBank’s Instant Issue Debit Cards.
Lost, Stolen, or Damaged Debit Cards
Please call us at 701.364.2020 during regular banking hours.
After hours call 866.815.7899.
Avoid unauthorized charges on lost/stolen cards by turning your debit card “off” via Online Banking.
Get a new card in minutes instead of days with VISIONBank’s Instant Issue Debit Card.
ATM Locations
Get cash from any PULSE network ATM, 24 hours a day. Avoid surcharge fees by using any of the 25,000+ MoneyPass ATM locations nationwide. Find a nearby MoneyPass ATM by downloading their free ATM Locator app, or click the logo to search now.
Credit Cards
With your VISIONBank credit card you can organize your finances quickly, safely, and securely. We offer a variety of options with the benefits you want.
VISA Platinum
Extended Intro Rate
Non-Rewards
VISA Bonus Rewards
25% Bonus
Rewards
VISA Bonus Rewards PLUS
50% Bonus
Rewards
Cash Rewards American Express Card
Up to 3% Cash Back
Rewards
Travel Rewards American Express Card
Up to 3% Travel
Rewards
College Rewards VISA Card
For College Students
Rewards
Secured VISA Card
Build Your Credit
Non-Rewards
Questions? Want to apply? Call us today at 701.364.2020
or click below for more information from elan card services.
Loans
| Loan | Loan Details | |
|---|---|---|
| Overdraft Protection * |
| |
| Personal Line of Credit* |
| |
| Auto Loans | Car shopping? VISIONBank offers a wide variety of financing options for new and used vehicles... or maybe you’d like a new toy? We’ll finance your boat, motorcycle, RV, or snowmobile too! Call us today for rates and terms. | |
| Home Equity Line of Credit | Use the equity in your home to secure a home equity line of credit. A home equity line of credit is a personal revolving line of credit, normally utilizing a variable rate, secured by a mortgage on your personal residence. | |
| Home Equity Loan | Utilize the equity in your home to obtain a home equity loan. A home equity term loan is normally a fixed loan with a fixed rate secured by a mortgage on your personal residence. | |
| Construction Loans | Building a home? We offer construction financing! Call us today to get your project started. | |
| Mortgage Loans | Buying a home? Whether it’s your first or you are looking to upgrade, VISIONBank has great rates for you! | |
Complete and Submit a Personal Loan Application today!
You can print and fax your application to 701.364.2319.
Or call us at 701.364.2020 and one of our personal bankers will assist you.
*A pre-approved loan that is attached directly to your VISIONBank checking account. You can advance on this line by simply writing a check for more than the balance in your account, up to your approved credit limit, by requesting an advance in person or by phone.
Safe Deposit Boxes
We offer the following options for Safe Deposit Boxes
(Subject to availability)
| Box Size | Price |
|---|---|
| 3 x 5 | $20.00 Annual Fee |
| 3 x 10 | $30.00 Annual Fee |
| 5 x 10 | $40.00 Annual Fee |
| 10 x 10 | $70.00 Annual Fee |
Payment Methods
For your convenience, fees may be set up to pay automatically from your:
- Checking account
- Savings account
- Money Market account
Replacement Costs
Safe Deposit Key Replacement:
- $25.00 per key*
Safe Deposit Box Drilling:
- $100.00*
* Prices effective as of January 2017. Please see a bank employee for current prices.
The contents of a safe deposit box are not insured by the FDIC or by VISIONBank. Please refer to your safe deposit box agreement for details or visit with a customer service representative.
