The bank that is chosen to handle one’s personal finances is an important decision that should not be taken lightly. One of the main criteria factors that is involved in this decision process is the level of service that banks offer to their customers. Fortunately, Minnesota bank services are not only outstanding but they are also regarded as some of the best in the country.

For those who believe that all banks offer the same services, they are sorely mistaken; Minnesota bank services are superior.

What Services Are Offered?
Minnesota state banks are full service banks offering the best in checking and savings accounts, CD’s, credit and debit cards, and twenty four hour banking.

Checking Accounts
There are numerous checking account options that are offered which are tailored to each individual customer’s need. Green accounts are eco friendly and utilize twenty four hour online banking. Accounts are interest paying with free online account transfers, bill pay, direct deposit, plus the availability of credit and debit cards but there are many more services available. Depending on the type of account that is selected, there are safe deposit boxes, theft insurance, discounted loan rates and a myriad of other services offered by the bank. For those who desire the premium checking account, the services offered are unbelievable. With these accounts, a personal banker is assigned along with retirement planning, investment and insurance analysis, custom CD rates and accidental insurance.

Savings Accounts
Similar to checking accounts, there are a multitude of options available with savings accounts that will assist in meeting financial goals. These accounts maximize ease and flexibility while offering many of the great services that are available with checking accounts. These accounts will help turn hard earned money into large savings.

Certificates of Deposit
Minnesota state banks offer additional short term saving services in the form of certificates of deposit. The traditional CD account is available that offers a better interest rate than a savings account. The special CD account requires a higher minimum deposit but pays an even higher interest rate. For those planning for the future, the IRA CD account is a great vehicle to secure a steady income after retirement.

Online and Telephone Banking
Want to check your bank accounts without leaving your home? Do you want the convenience of online banking or checking your account over the telephone? If this sounds appealing, they are available through the Minnesota state banks. Accounts are available seven days a week, twenty four hours a day and are easily accessible from the convenience of your home.

Choose Minnesota Bank Services
Bank services that are offered through the Minnesota state banks are, without doubt, excellent. Accounts can be designed so that they exceed the expectations of their customers while, at the same time, maximizing ease and flexibility. Examine these great services for your banking needs and you will not be disappointed.

Try a secure Minnesota bank that provides business and personal banking solutions, including online banking, personal checking accounts, savings accounts, credit cards, and certificates of deposit.

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Imagine a bank that offers so many ways to save your money! We offer many kinds of savings accounts, such as; Statement Savings, which is an easy way to start saving, Prestige Savings, where the interest paid is based upon your account balances, and Money Market Savings, which requires a higher balance but also pays the highest rates while still allowing you the ability to write checks and have easy access to your funds. For the long-term saver, we offer Certificates of Deposit to those who prefer a safe and guaranteed rate when it comes to their money.

Imagine a bank that finds so many ways to lend you the money that you need, such as; consumer loans, auto loans, and home equity lines of credit as well as both fixed and adjustable rate mortgages with competitive rates, construction loans, and first time home buyer plans. The friendly loan officers here will gladly help you decide what kind of loan makes the most sense for you and your personal needs.

Imagine a bank that encourages the success of most non-profit religious, fraternal and educational organizations by offering them free basic checking account banking services that require no minimum balance, that have a free Visa check card and also allows unlimited activity on most banking activities such as checks, deposits, electronic credits and debits and check cards. Additionally, we promote growth in those same agencies through another type of account called nonprofit interest checking in which the non-profit agency must maintain a specified minimum balance and offset any activity charges the account may incur. If the non-profit account meets those two requirements, and it holds any money in excess of the amounts already mentioned, the bank then pays any interest on that money into the non-profit account.

Imagine a bank that offers so many ways to plan for your future economic stability. We offer services such as; retirement planning with both individual and group retirement plans, education planning with 529 College Savings Plans, and estate planning with Annuities Insurances which include life, health, disability and long-term care. We offer a virtual cornucopia of investment opportunities, such as; stocks, bonds, mutual funds, and tax managed funds. We also offer Real Estate Investment Trust (REIT) Managed Accounts.

Imagine a bank that also keeps the business community in mind. A bank that is experienced in business planning as well as in portfolio analysis and offers business accounts to fill every need, large or small, such as; Basic Business Checking, Business Checking, Business Money Market, and Commercial Preferred Money Market as well as Certificates of Deposit and other lending products.

We think great banking shouldn’t be left to your imagination. Come by one of our convenient locations today and see for yourself that we are real.

Learn more about business banking in Minnesota, including services like business checking, loans, certificates of deposit, and insurance.

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When it comes to daily money management, few products are as necessary as a checking account. Most financial institutions have a wide variety of checking accounts available, and most are designed for specific groups. For example, there are those designed specifically for senior citizens and there are those designed specifically for students. A checking account is typically a crucial component of personal banking, and most other products revolve around it. An important component of a typical checking account is a check card, which enables the account holder to quickly access their funds without the hassle of writing a check. The check cards are very versatile and can normally be used anywhere that ATM or credit cards are accepted.

Another important bank offering is a savings account, which also plays a very important role in managing one’s personal finances. Most individuals realize that money in their checking account usually gets spent, so it is necessary to be able to set aside some funds. There are a number of different things to save for, and a special type of account for each one. There are even accounts intended for socking away money towards retirement, and these are usually titled as IRA savings accounts. Each savings account has separate restrictions on withdrawing money, and there are various methods available to access the funds.

Safe deposit boxes, which are often available in a number of different sizes, are a feature that many individuals seek simply because of security. The boxes allow storage of valuables and important documents, all under the watchful eye and advanced security of the bank.

Online banking services have really become popular over the last few years, and include the ability to check balances and transactions quickly and easily. Most online services even allow the users to print copies of old checks, and even order new ones when necessary. Online bill pay services are very convenient and allow the customer to pay all of their bills without wasting any stamps or envelopes.

Some retail banks even offer credit cards to their clients, which allow purchases to be made immediately and payments to be made later. There are many different options with credit cards, and most can even be used as overdraft protection when necessary.

For individuals that have a specific amount of money to save for a period of time, certificates of deposit can prove to be an excellent investment. The CDS, as they are commonly referred to, have a number of different terms available and can usually be started with as little as $1,000. Interest rates on CDS are commonly found to be a little better than those of savings accounts.

With the wide variety of choices available to a consumer, it is important that they understand the role of each common traditional banking service. A mixture of the products provides an excellent foundation for strong money management skills. A good banker can help determine which solutions will meet an individual’s needs, and that simply cannot be done with a completely virtual bank.

Try a secure Minnesota bank that provides personal and business banking solutions, including personal checking accounts, savings accounts, credit cards, and certificates of deposit.

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