First International Bank & Trust
Popular Accounts at this Bank
| APY | ACCOUNT TYPE | ACCOUNT NAME |
|---|---|---|
| 0.20% | Savings | Regular Savings |
| 0.75% | Checking | Advantage Account 0.90% - nbkc bank Personal Account |
| 0.20% | Money Market | First Money Market 0.29% - National Average |
First International Bank & Trust is headquartered in Watford City and is the 2nd largest bank in the state of North Dakota. It is also the 351st largest bank in the nation. It was established in 1910 and as of March of 2018, it had grown to 548 employees at 27 locations. First International Bank & Trust has a B+ health rating.
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Best Bank Ever! Period.
Ever since I transferred all my accounts from my previous bank to this one I have been happy. I use to bank with a larger bank, and whenever I would call in all I would get is the computer. Not here. At First International I call and get a friendly voice willing to help me, and even though I don't have a lot of money they treat me like family. I would suggest this bank to anyone!
Horrible Bank
Feeling robbed?? Me too! I opened an account that charged more fees than I could afford. I was broke every payday trying to get caught up! They boast about convenience but they’re more concerned with their convenience. Don’t trust First International Bank
Just Wow.
I made an account just to warn people about this bank. Worst banking experience ever, and I thought I had it bad before they bought our accounts from Bank of the Cascades! They'll literally hold any money you put in your account for days, unless you are rich and already have that amount in the account to "cover it". We can't even cash checks unless we have enough to cover it in our account "just in case" (I.e: you have $25 bucks in your account and want to cash a check for $40, they won't let you; you'll have to deposit it and wait first, you have to have $40 minimum to cash the check). Never have I EVER heard of a bank so paranoid of its own customers. We are new customers and are already being treated like enemies. We called customer service and got NO HELP, and they made a huge hassle out of us just wanting the money we HAD. They'll even remove and hold money returned to your card/account, and then charge you for any overdraft it causes even if they remove the money a day later. Absolutely horrendous stuff going on here.
They also charge an overdraft fee ever 5 days, before you can even (hopefully) get paid generally. And it doesn't matter if you made NSF purchases, you get that charge no matter what.
They also handled the transition extremely poorly and instead of rerouting direct deposits (I know it's possible even for small banks, I was with Bank of the Cascades when they took over Bank of America branches, and they routed people's direct deposits for multiple months to give people time to transition), they made no effort to do so and therefore broke any direct deposits for customers, causing many issues. I never agreed to these new terms and conditions for the account, and we will be closing our accounts with this bank ASAP.
I can't even believe they have customers. Just wow.
Data as of Q1 2018
Learn why bank health mattersHealth Grade Components
| Overall | |
|---|---|
| FDIC Certificate # | 10248 |
| Year Established | 1910 |
| Employees | 548 |
| Primary Regulator | FDIC |
| Profit Margin | |
|---|---|
| Return on Assets - YTD | 1.39% |
| Return on Equity - YTD | 15.95% |
| Annual Interest Income | $26.7MM |
| Assets and Liabilities | ||
|---|---|---|
| Assets | Q1 2018vs Q1 2017 | $2.58B$2.31B |
| Loans | Q1 2018vs Q1 2017 | $1.78B$1.72B |
| Deposits | Q1 2018vs Q1 2017 | $2.31B$2.05B |
| Equity Capital | Q1 2018vs Q1 2017 | $219.5MM$206.6MM |
| Loan Loss Allowance | Q1 2018vs Q1 2017 | $19.5MM$19.5MM |
| Unbacked Noncurrent Loans | Q1 2018vs Q1 2017 | $12.2MM$20.6MM |
| Real Estate Owned | Q1 2018vs Q1 2017 | $18.6MM$25.2MM |
Always verify rates and promotions with the bank or credit union. We are not First International Bank & Trust; we are a rate comparison website and cannot provide official rates or promotions.
* The APY shown varies based on the deposit amount. Expand the listing to see APYs for other deposit amounts.
First International Bank & Trust Savings Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.75%* | $10k* | - | Health Savings Account | ||
| OTHER TIERS: 0.35% → Up to $2,500 | 0.55% → $2,500 - $10k | |||||
| 0.50%* | - | $10k | Christmas Club | ||
| OTHER TIERS: 0.15% → $10k+ | |||||
| 0.20%* | $1000k* | - | Regular Savings | ||
| OTHER TIERS: 0.05% → Up to $100k | 0.10% → $100k - $500k | 0.15% → $500k - $1mm | |||||
| 0.20%* | $1000k* | - | Special Age Savings Account | ||
| OTHER TIERS: 0.05% → Up to $100k | 0.10% → $100k - $500k | 0.15% → $500k - $1mm | |||||
First International Bank & Trust Money Market Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 0.20%* | $1000k* | - | First Money Market | ||
| OTHER TIERS: 0.05% → $1k - $25k | 0.10% → $25k - $500k | 0.15% → $500k - $1mm | |||||
First International Bank & Trust Checking Account Rates
| APY | MIN | MAX | ACCOUNT NAME | VIEW DETAILS | |
|---|---|---|---|---|---|
| 1.00%* | - | $25k | Advantage Account w/ Loan | ||
| OTHER TIERS: 0.03% → $25k+ | |||||
| 0.75%* | - | $25k | Advantage Account | ||
| OTHER TIERS: 0.03% → $25k+ | |||||
