Best Banks and Credit Unions in North Dakota

First up on our list of the best banks in North Dakota, VisionBank is dedicated to creating meaningful relationships with customers and helping each of their market communities be the best that it can be.

VisionBank has nine full-service branches in Ames, Boone, Grimes, Huxley, Ogden, Waukee and a VisionBank Mortgage office in West Des Moines. The bank is owned by VisionBankshares, Inc., a locally-owned bank holding company based in Central Iowa. The bank offers full service retail, mortgage, consumer, commercial, commercial real estate, and agricultural deposit and lending products and services.

Today, with nine full-service locations in six communities (Ogden, Ames, Boone, Grimes, Huxley, and Waukee), and an additional VisionBank Mortgage location in West Des Moines, VisionBank boasts more than $425 million in assets and 100 employees. Still committed to local decision-making and community investment, VisionBank is positioned for even more growth in the years to come, and it is looking forward to all that lies ahead in the next chapter.

Next on our list of the best banks in North Dakota, Border Bank has proudly served residents and businesses providing friendly, personalized service that is focused on its customers for 80 years. The bank has ten locations across Minnesota and North Dakota to serve its customers – Badger, Baudette, Clearbrook, Coon Rapids, Fargo, Greenbush, International Falls, Middle River, Roseau, and Thief River Falls. Our mission is to provide the highest quality of service and benefits designed around our customers’ needs and wants; this is the foundation of Border Bank and a guide that is used every day to serve our customers.

Border Bank is a Member FDIC, Equal Employment Opportunity Employer and an Equal Housing Lender .

Bell Bank is a privately owned interstate bank headquartered in Fargo, North Dakota,  with assets of $11 billion. Bell Bank, which employs more than 1,900 people (more than 560 in the Twin Cities region) has 20 full-service banking locations in North Dakota, Minnesota, and Arizona, and mortgage locations in Arizona, Colorado, Florida, Kansas, Illinois, Minnesota, Missouri, New Mexico, North Dakota, Tennessee, and Wisconsin. State Bankshares is Bell Bank’s parent company.

Bell Bank was founded as State Bank of Fargo in 1966 as a single location in the Northport Shopping Center in Fargo. Thomas “Buck” Snortland was one of the company’s founders.

In 2003, the bank bought Northern Capital Trust, a trusted company and flex spending adjudication business. Richard Solberg, who was then the bank’s president and CEO, had served on the board of directors for Northern Capital Trust since the company was established—16 years before the merger.

In 2022, Bell finalized its building lease for a new mortgage servicing center in Owensboro, Ky. Bell also opened its first loan production office in Denver, focused on commercial lending.

Bell has a 5-star rating from Bauer Financial, an independent bank research firm. Based on financial data from federal regulators, a 5-star rating, the highest rating the firm awards, means a bank is financially sound and is operating well above its capital requirements, easily making this one of the best banks in North Dakota.

Another one of the best banks in the state, Choice Bank is a commercial bank headquartered in Fargo, North Dakota. The bank is a PeopleFirst community bank that provides an array of banking solutions to individuals and businesses. The bank is a division of Choice Financial Group.

A $3.1 billion mutual bank founded in 1923, Gate City Bank is the region’s leading financial institution, as well as the recipient of many community-based awards. We employ more than 770 team members at 43 locations in 22 communities across North Dakota and central Minnesota.