Banking for Individuals > Deposits

Find the perfect fit. Open your account online, today.

Choice Bank offers a variety of checking and savings accounts to meet your needs.

Checking Accounts

 

Your checking account is a constant companion. It’s there for your weekly grocery trip, a night on the town, that special birthday gift or the occasional splurge.

Choice Bank offers a better way. We want to be your bank, so we created checking accounts that match your priorities – whether it’s simplicity or the ability to earn interest.

Choice Basic

Best if you like things simple.

  • No Minimum Balance.
  • $100 Minimum Opening Deposit.
  • Online account opening (for customers 18 years and older).
  • Free ATM withdrawals at over 32,000 MoneyPass ATMs nationwide. Plus: Rebates on your first two non-MoneyPass ATM withdrawals per statement cycle.6
  • eStatements.9
  • Online Banking & Bill Pay.
  • Mobile Banking App with card controls and mobile check deposit.8
  • First pack of checks is free.1
  • Protection against fraud (if reported in a timely manner).
Open Account Online

Choice Plus

Best if you want more for your money.

  • Earns Interest.2,4,5
  • $500 Minimum Opening Deposit.
  • Online account opening (for customers 18 years and older).
  • Free ATM withdrawals at over 32,000 MoneyPass ATMs nationwide. Plus: Rebates on your first two non-MoneyPass ATM withdrawals per statement cycle.6
  • eStatements.9
  • Online Banking & Bill Pay.
  • Mobile banking app with card controls and mobile check deposit.8
  • Protection against fraud (if reported in a timely manner).
  • Tiered rate account.4
  • First pack of checks is free.1
  • You must maintain a daily collected balance of $500 to earn interest.3,4,5
  • No annual fee for overdraft protection for the first year.2
  • Complimentary notary service, money orders, and cashiers checks.
  • Preferred rate on loans when your payment is automatically deducted from a checking account.1,2
  • Preferred rate on CDs.1
Open Account Online

1 Certain restrictions may apply. Subject to credit approval. 3 Interest is compounded and credited monthly on checking accounts. 4 Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example: checks).  5 Rates subject to change at any time. 6 You may be charged a foreign ATM fee. Choice Financial will refund the first two non-MoneyPass withdrawals per statement cycle.  7 The account must remain open and in good standing. 8 Some fees may be assessed by your Mobile Service Provider. 9 A paper statement fee of $2.00 will be charged each month if selected. The fee will be waived for electronic statements.

Savings Accounts

Whether you want a larger rainy day fund, stronger returns on larger savings amounts, or retirement savings, the goal for your money is clear: Grow baby grow! Choice Bank offers a better way. No matter your goal, our savings options will help you get there.

First Choice Savings

Best if you like things simple.

  • Earns market rate of interest when a $200 daily collected balance is maintained.1,2,3,4
  • No minimum opening amount.
  • There is an excessive transaction fee of $5 per month for each covered withdrawal over six per month.5
  • eStatements.6
Open Account Online

1 Certain restrictions may apply. 2 Rates subject to change at any time. 3 Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example checks). 4 Interest is calculated by the daily balance method which applies a daily periodic rate to balance in the account each day. 5 Federal regulation allows no more than six preauthorized transfers per month on any savings account. 6 A paper statement fee of $2.00 will be charged each quarter if selected. The fee will be waived for electronic statements.

Money Market Savings

Best if you want more for your money.

  • Tiered rate account.2
  • Earns market rate of interest when a $1,000 daily collected balance is maintained.1,2,3,4
  • If current balance drops below $1,000 any day during the statement period a $10 monthly service charge will be assessed.
  • There is an excessive transaction fee of $5 per month for each covered withdrawal over six per month.5
  • eStatements.6
Open Account Online

1 Certain restrictions may apply. 2 Rates subject to change at any time. 3 Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example checks). 4 Interest is calculated by the daily balance method which applies a daily periodic rate to balance in the account each day. 5 Federal regulation allows no more than six preauthorized transfers per month on any savings account. 6 A paper statement fee of $2.00 will be charged each quarter if selected. The fee will be waived for electronic statements.

Adventure Club

Best for kids up to age 14 to learn savings basics.

  • A savings program just for kids up to age 14.
  • $25 minimum opening deposit.
  • Earns interest on entire balance.1,2,3,4
  • Free gifts.1
  • Fun mailings with activities, games, or art projects.
  • eStatements.5
Visit a Location

1 Certain restrictions may apply. 2 Rates subject to change at any time. 3 Interest begins to accrue no later than the business day we receive credit for the deposit of non-cash items (for example checks). 4 Interest is calculated by the daily balance method which applies a daily periodic rate to balance in the account each day. 5 Federal regulation allows no more than six preauthorized transfers per month on any savings account. 6 A paper statement fee of $2.00 will be charged each quarter if selected. The fee will be waived for electronic statements.

Certificates of Deposit (CDs)

Lock in your rate with a Choice Bank CD and select from a variety of term options. Our fixed rate of investment is guaranteed through the term of your CD and your money is insured up to the FDIC maximum.

  • $1,000 minimum opening deposit
  • Earns market rate of interest
  • Automatically renews
  • 3, 6, 12, 24, 36, 48 and 60 month terms available

Visit a Location

Certain restrictions may apply. Rates subject to change at any time. Early withdrawal penalties apply.

Individual Retirement Accounts (IRAs)

Plan your retirement with an IRA. We offer Coverdell Education, Roth and Traditional IRAs. They’re FDIC insured and tax-deferred – what a great way to save.

  • $100 minimum opening amount
  • Earns market rate of interest
  • Convenient 3, 6, 12, 24, 36, 48, or 60 month terms available
  • Automatically renews
  • Coverdell Education, Roth, and Traditional IRA options available
Visit a Location

Certain restrictions may apply. Rates subject to change at any time. Early withdrawal penalty may apply. FDIC insured up to the maximum amount allowed.

Returns on Large Investments (CDARS)

CDARS® is a safe and smart investment vehicle if you’re looking to protect large-dollar investments. You earn CD-level returns that may compare favorably to Treasury and money-market-fund yields.

CDARS provides access to multi-million-dollar FDIC insurance. That’s why thousands of safety-conscious institutional investors, businesses, non-profits and public funds/governments choose CDARS. It’s the easiest way to access multi-million-dollar FDIC insurance through our bank.  (Limits apply.)

With CDARS you have:

  • The ease of working through one trusted relationship, earning one rate per maturity, and receiving consolidated statements.
  • The ability to forego ongoing collateral tracking if you are accustomed to doing so.
  • The power of daily compounding.
  • A finite maturity date (in contrast to auction-rate or some adjustable-rate securities).
Visit a Location

 

More About CDARS

CDARS CDs are considered bank deposits. They are not Depository Trust Company (DTC) eligible and, currently, no secondary market exists. Early withdrawals are available, but require the payment of a substantial penalty.

You should compare the current rates and features of CDs (including CDs placed through the CDARS service) to other investment alternatives. Past performance may not be representative of future performance or success.

Weekly and overall limits apply. If a depositor is subject to restrictions with respect to the placement of funds in depository institutions, it is the responsibility of the depositor to determine whether the placement of the depositor’s funds through CDARS or a particular CDARS transaction satisfies those restrictions. Funds may be submitted for placement only after a depositor enters into a CDARS Deposit Placement Agreement with our bank. The agreement contains important information and conditions regarding the placement of funds by our bank through CDARS.

Bank

Moorhead, MN

801 Main Ave Suite 103

Moorhead, MN 56560

Phone

Bank:

(218) 359-3600

Lobby Hours

Monday – Friday

9:00AM – 5:00PM

Bank | Wealth

West Fargo, ND

210 Sheyenne St

West Fargo, ND 58078

Phone

Bank:
(701) 277-9258

 

Wealth:
(701) 282-3100

Lobby Hours

Monday – Friday
9:00AM – 5:00PM

Drive-up Hours

Monday – Friday
7:30AM – 6:00PM

Saturday
9:00AM – 12:00PM

Bank | Insurance

Walhalla, ND

407 12th Street

Walhalla, ND 58282

Phone

Bank:
(701) 549-3761

Insurance:
(701) 549-3761

Lobby Hours

Monday – Friday
8:00AM – 4:00PM

Drive-up Hours

Monday – Friday
8:00AM – 4:30PM

Saturday
9:00AM – 12:00PM

Bank | Insurance

Steele, ND

115 Broadway E

Steele, ND 58482

Phone

Bank:
(701) 475-2301

Insurance:
(701) 475-2360

Lobby Hours

Monday – Friday
9:00AM – 4:30PM

Drive-up Hours

Monday – Friday
8:00AM – 5:00PM

Bank

Medina, ND

101 Second Avenue SW

Medina, ND 58467

Phone

Bank:
(701) 486-3184

Lobby Hours

Monday – Friday
8:30AM – 4:00PM

Bank | Insurance

Langdon, ND

210 Eighth Avenue

Langdon, ND 58249

Phone

Bank:
(701) 256-2141

Insurance:
(701) 256-2101

Lobby Hours

Monday – Friday
8:30AM – 4:00PM

Drive-up Hours

Monday – Friday
8:00AM – 5:00PM

Saturday
9:00AM – 12:00PM

Bank | Insurance

LaMoure, ND

119 South Main Street

LaMoure, ND 58458

Phone

Bank:
(701) 883-8282

Insurance:
(701) 883-7777

Lobby Hours

Monday – Friday
8:00AM – 4:00PM

Drive-up Hours

Monday – Friday
8:00AM – 4:30PM

Bank | Wealth

Grand Forks, ND

4501 S Washington Street

Grand Forks, ND 58201

Phone

Bank:
(701) 738-4300

Wealth:
(701) 738-4330

Lobby Hours

Monday – Friday
9:00AM – 5:00PM

Drive-up Hours

Monday – Friday
8:00AM – 6:00PM

Saturday
9:00AM – 12:00PM

Bank | Wealth

Grand Forks, ND

1697 S 42nd Street

Grand Forks, ND 58201

Phone

Bank:
(701) 746-6010

Wealth:
(701) 775-8666

Lobby Hours

Monday – Friday
9:00AM – 5:00PM

Drive-up Hours

Monday – Friday
8:00AM – 6:00PM

Saturday
9:00AM – 12:00PM

Bank | Insurance

Grafton, ND

645 Hill Avenue

Grafton, ND 58237

Phone

Bank:
(701) 352-0242

Insurance:
(701) 352-0242

Lobby Hours

Monday – Friday
8:00AM – 4:00PM

Drive-up Hours

Saturday
9:00AM – 12:00PM

Insurance | Wealth

Fargo, ND

3050 Sienna Drive S

Fargo, ND 58104

Phone

Insurance:
(701) 356-9895

 

Wealth:
(701) 282-3100

 

Lobby Hours

Monday – Friday
9:00AM – 5:00PM

Bank | Insurance

Fargo, ND

4501 23rd Avenue S

Fargo, ND 58104

Phone

Bank:
(701) 356-9700

Insurance:
(701) 356-9895

Lobby Hours

Monday – Friday
9:00AM – 5:00PM

Drive-up Hours

Monday – Friday
7:30AM – 6:00PM

Saturday
9:00AM – 12:00PM

Bank

Ellendale, ND

83 Main Street

Ellendale, ND 58436

Phone

Bank:
(701) 349-8282

Lobby Hours

Monday – Friday
8:00AM – 4:30PM

Bank | Insurance | Wealth

Dickinson, ND

323 18th Street W

Dickinson, ND 58601

Phone

Bank:
(701) 483-8282

Insurance:
(701) 483-1864

Wealth:
(701) 456-3390

Lobby Hours

Monday – Friday
8:30AM – 5:00PM

Drive-up Hours

Monday – Friday
7:30AM – 5:30PM

Saturday
8:30AM – 12:30PM

Bank | Insurance | Wealth

Bismarck, ND

207 E Front Ave

Bismarck, ND 58504

Phone

Bank:
(701) 258-3300

Insurance:
(701) 224-7044

Wealth:
(701) 250-5126

Lobby Hours

Monday – Friday
9:00AM – 5:00PM

Drive-up Hours

Monday – Friday
7:30AM – 6:00PM

Saturday
9:00AM – 1:00PM

Bank | Insurance

Bismarck, ND

1313 Skyline Boulevard

Bismarck, ND 58503

Phone

Bank:
(701) 224-9200

Insurance:
(701) 250-8395

Lobby Hours

Monday – Friday
9:00AM – 5:00PM

Drive-up Hours

Monday – Friday
7:30AM – 6:00PM

Saturday
9:00AM – 1:00PM

Wealth

Beulah, ND

117 Highway 49 N

Beulah, ND 58523

Phone

Wealth:
(701) 873-4117

Lobby Hours

Tuesday
9:00AM – 4:00PM

Bank | Insurance

Belfield, ND

201 Main Street N

Belfield, ND 58622

Phone

Bank:
(701) 575-8282

Insurance:
(701) 575-8178

Lobby Hours

Monday – Friday
8:30AM – 4:30PM

Drive-up Hours

Monday – Friday
8:00AM – 5:00PM

Bank

Roseville, MN

2100 W County Road C

Roseville, MN 55113

Phone

Bank:
(651) 900-8888

Lobby Hours

Monday – Friday
9:00AM – 5:00PM

Brett Lawrence

VP & Commercial Loan Officer

612-524-5856

Boyd Malo

VP & Commercial Loan Officer

612-524-5857

Nate Urfer

Location President

612-524-5858

Kevin Doyle

VP & Commercial Loan Officer

763-398-5813

Bank

Eagan, MN

2640 Eagan Woods Drive

Eagan, MN 55121

Phone

Bank:
(651) 289-2222

Lobby Hours

Monday – Friday
9:00AM – 5:00PM

Charles Bauman

Commercial Loan Officer

651-289-2231

Rosie Davis

VP & Cash Management Officer

651-289-2223

Bryan Frandrup

VP & Commercial Loan Officer

651-289-2232

Stephanie Hansen

SVP, Chief Deposit & Cash Management Officer

651-289-2226

Colleen Karst

NMLS #486231

SVP Mortgage Loan Officer

(651) 289-2221

Dan McCarvel

VP & Commercial Loan Officer

651-289-2235

Dion Muchow

Location President

651-289-2230

Steve Peterson

SVP & Commercial Loan Officer

651-289-2236

Bank

Golden Valley, MN

6210 Wayzata Boulevard

Golden Valley, MN 55416

Phone

Bank:
(763) 398-3333

Lobby Hours

Monday – Friday
9:00AM – 5:00PM

Team Members

Abbi Deringer

VP & Cash Management Officer

763-398-5811

John Fritz

Location President

763-398-5824

Kriss Griebenow

SVP & Commercial Loan Officer

763-398-5822

Brett Howells

AVP & Commercial Loan Officer

763-210-7735

Colleen Karst

NMLS #486231

SVP Mortgage Loan Officer

(651) 289-2221

Cristen Purdy

VP & Commercial Loan Officer

763-398-5817

Chris Young

SVP & SBA Program Manager

763-398-5815

Bank

Bloomington, MN

4470 W 78th Street Circle

Bloomington, MN 55435

Phone

Bank:
(952) 830-9999

Lobby Hours

Monday – Friday
9:00AM – 5:00PM

Jeff Elden

VP & Commercial Loan Officer

952-837-0662

Mark Haug

Location President

952-837-0663

Rob Olson

VP & Commercial Loan Officer

952-837-0683

Patty Pawlik

VP & Cash Management Officer

952-837-0673

Bob Rausch

SVP & Commercial Loan Officer

952-837-0664

Phouvieng Sivilay

VP & Commercial Loan Officer

952-837-0674

Pang Xiong

Cash Management Officer

952-837-0684