Border State Bank of Badger, Greenbush, Baudette, International Falls, Middle River, Thief River Falls, Roseau, Minnesota

Commercial / Ag Business
Checking
Savings
Cash Management
Loans / Lines of Credit
Merchant Services
Credit Cards
Direct Deposit
HSAs
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Commercial / Ag Business Savings

Get your money to work faster!

Put your money to use, quickly and more efficiently.

Remote deposit capture

Make deposits from your desktop instead of making another trip

to the bank anytime, day or night with a portable scanner and

an Internet connection. It’s the quickest way to turn check

deposits into cash! DEMO HERE!

Merchant credit card services

Give your customers the convenience of paying with plastic by

accepting credit and debit card payments. Your business will

benefit with increased and quicker sales that direct deposit into

your business checking account. Already accepting credit

cards? Let us give your Merchant Account a thorough checkup!

We’ll review all the rates and fees that you currently pay to see if

we can save you money!

Wire transfer

Electronically move funds directly into your account.

ACH debit origination

Our web based Automated Clearing House services allow clients

to create one-time and recurring transactions such as collect

fees, donations and bills.

Bank and night depository

Deposit funds 24 hours a day, seven days a week in drop boxes

at any of our 7 locations.

Your money at work, when you’re not.

Maximize profit and control operating costs by monitoring accounts and using available cash.

Online business banking

Free unlimited access to your accounts. Many features for

easy, convenient banking.

Monitor account 24/7

View check images & online statements

Schedule online BSB loan payments, stop payments

Schedule online BSB account transfers

Advance from lines of credit

Exportable statements to your accounting software

Address changes

User management, for multiple online account users.

Other Add-on Services:

Online bill pay

Schedule wire transfers

ACH origination

Account analysis

We can track commercial account activity to determine if the

earnings credit on balances is sufficent to compensate for the

cost of services provided.

Keep your money working.

Save money by making secure, timely payments to

employees and vendors.

Direct deposit payroll

Send your employee payroll conveniently and affordably from

anywhere.

ACH credit origination

Our web based Automated Clearing House services allow you

to create one-time and recurring transactions such as payroll,

reimbursements, bonuses and royalties.

Outgoing wire transfers

Electronically generate a designated payment immediately.

Transactions deducted directly from your business checking

account. Multiple users can be added to each account and

you can track expenses of individual cardholder spending.

Track expenses of individual cardholder spending through

easy-to-read online reporting.

If you have questions, please contact your Business Officer or a Personal Banker.

Funds are FDIC insured:

As of July 21st, 2010, The permanent standard insurance amount is $250,000 per depositor.

"With this permanent increase of deposit insurance coverage to $250,000, depositors with CDs above $100,000 but below $250,000 will no longer have to worry about losing coverage on those CDs maturing beyond 2013. We strongly encourage all bank depositors who have questions about their insurance coverage to go to our Web site at www.fdic.gov and use our Electronic Deposit Insurance Estimator (EDIE) or call our toll-free number at 1-877-ASK-FDIC. Insured deposits provide the comfort and peace of mind to depositors that their money is 100 percent safe – provided they keep their deposit balances within the insurance limits," said FDIC Chairman Sheila C. Bair.

FDIC Guarantee Program:

As of December 19th, 2008, Border State Bank is participating in the FDIC’s Transaction Account Guaranty Program. Under this program, through December 31, 2010, all non-interest bearing transactions (including Border State Bank’s NOW checking account) are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guaranty Program is in addition to and separate from the coverage available from the FDIC’s general deposit insurance rules.