Look Beyond Your Bank

ChoiceDirect is an exclusive online service of Choice Bank, a strong Midwestern community bank. Together with your financial advisor, we’ll provide a foundation for your financial plan.

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Products & Current Rates

Current Rates
  • 13 Month CD = 1.75% APY1,2
  • 24 Month CD = 2.00% APY1,2
  • 36 Month CD = 3.10% APY1,3
Product Details
  • Deposit Additional Funds At Any Time
  • $5,000 Minimum Opening Deposit
  • Open your account online (for customers 18 years and older)
  • Free e-maturity notice
  • Personal or Trust assets accepted
  • Online Banking and Mobile Banking App to monitor your account
  • Dedicated customer service helpline
  • Insured up to the FDIC maximum

Open Account

Annual Percentage Yield. Minimum $5,000 opening deposit. You may make additional deposits to your CD; the total balance in your CD may not exceed $1,500,000. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example: checks). Early withdrawal penalties apply. Other terms may apply. Fees May Reduce Earnings. Other terms may apply. 2 Rates effective as of 10/22/2018 and are subject to change at any time. Offer valid from 05/22/19-09/30/19. 

Current Rate
  • 2.05% APY1

A Choice Direct Money Market account earns a competitive interest rate based on your account balance. 2

Product Details
  • Open your account online (for customers 18 years and older)
  • eStatements
  • Online Banking and Mobile Banking App to monitor your account
  • Dedicated customer service helpline
  • Insured up to the FDIC maximum

Open Account

1Annual Percentage Yield. 2 Minimum opening balance is $1,000. Balance must exceed $500 to earn interest. Interest is compounded and credited monthly. No more than six preauthorized transfers to another account per month. If you exceed the transfer limitations, your account may be subject to closure. Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example: checks). Rates effective as of 10/22/2018 and are subject to change at any time. Fees May Reduce Earnings. Other terms may apply.  

Current Rates
  • 0.25% APY1 = Balances $0-2,499
  • 0.35% APY1 = Balances $2,500 – 4,999
  • 0.45% APY1 = Balances $5,000 – 14,999
  • 0.60% APY1 = Balances $15,000+

 

Fee Schedule
  • $2.50/month=daily minimum balances $0-$2,9995
  • No fee=daily minimum balances $3,000+5
Features and Benefits
  • Interest earned on every dollar2
  • Mobile Banking App with card controls3
  • Debit Card with unlimited point-of-sale transactions
  • Access to over 32,000 fee-free ATMs with MoneyPass4
  • Checks (price varies by order)
  • Online Banking and Bill Pay
  • Monthly eStatements for viewing transactions ($2 monthly fee for paper statements)
  • Enhanced investment options with our partner, Devenir, a leader in investment solutions for employee health benefit services6

More Info on Choice HSAs ›

Open Account

1 Annual Percentage Yield. Rate effective 1/11/19. Interest is compounded and credited monthly. Rates subject to change at any time. 2 Interest begins to accrue no later than the business day we receive credit for the deposit on non-cash items (for example: checks). Rates subject to change at any time. 3 Fee may be assessed by your Mobile Service Provider. 4 You may be charged a foreign ATM fee. 5 A monthly service charge of $2.50 will apply, waived on daily minimum balances over $3,000.

6 Investment Products are: NOT A DEPOSIT * NOT FDIC INSURED * NOT INSURED BY ANY FEDERAL GOVERNMENT AGENCY * NOT GUARANTEED BY THE BANK * MAY GO DOWN IN VALUE

Dedicated Support Team

(877) 380-3623

Email

   
8:00AM – 6:00PM CST | Monday – Friday

Online Services

Online Banking

Glance at your account on the go, track your savings progress or transfer funds between accounts. You expect – and deserve – a great online banking experience.

Mobile Banking

Feed your App…etite with our Mobile Banking App for iPhone and Android phones. With all of our Mobile Banking options, you first need to be enrolled in Online Banking.

eStatements

Tired of paper? Conveniently located in Online Banking, eStatements are identical to paper statements and you get them up to 2 days faster than paper statements.

What is Choice Direct?

You expect competitive products and rates from an online bank, and Choice Direct delivers. Even better: we’re part of an organization that has remained true to our values, our customers, and our communities.

Choice Bank was formed in 2001 through the merger of four local banks in North Dakota. We began with six locations and assets of $170 million. Today, we’ve grown to assets of more than $2.2 billion across Minnesota and North Dakota.

We believe your financial relationships should feel effortless and comfortable. We offer:

  • Banking for people who desire big-bank products and services without big-bank frustrations.
  • Banking for people who believe that their bank should be available when – and where – they need it.
  • Banking for people who believe in their communities and region.

Your funds are managed and serviced by a strong, proven community bank. Our People First values represent the heartbeat of our organization. It is the steady drum that has and always will drive our decisions and how we treat people.

More about Choice Bank