Agricultural Commercial Banking

At Union State Bank, we are committed to helping our community thrive and grow. We offer a full range of agricultural and business services including loan and deposit products along with Internet banking. Union State Bank has experienced agricultural / commercial loan officers to assist you with both your short-term and long-term financial goals. We will help you with your financial planning and, when appropriate, we work with the Farm Service Agency, Bank of North Dakota, Rural Development, Small Business Administration and other economic development and outside loan programs.

Flexible terms and interest rates are available for loans in the following areas:

Seasonal Operating Lines

Revolving Lines of Credit

Working Capital

Inventory Letters of Credit

Equipment

Livestock

Purchasing real estate, buildings or facilities? Please feel free to contact your Lending Team!


COMMERCIAL DEPOSIT INFORMATION                                                                  

Business Checking

   • Available to all businesses
   •  $10 initial deposit required
   •   $5 monthly maintenance fee
   •  Other fees determined by account activity
   •  Earning credit based on account balance may reduce or eliminate fees
   •  If account is active, a monthly statement with check images will be sent by mail

NOW Business Checking

NOW Business Checking is an interest bearing checking account available to sole proprietorships and non-profit organizations. Features include:

   •  A $1000 minimum initial deposit is required
   •  $500 balance is required to earn interest
   •  If a minimum balance of $1000 or an average collected balance of $2,500 is not maintained, a $10 per month service charge will be assessed.
   •   Variable rates are tiered based on minimum daily collected balance
   •  Interest compounded and credited monthly
    * Unlimited check writing
   •  We reserve the right to at any time require not less than 7 days written notice before any withdrawal
   •  If account is active, a monthly statement with check images will be sent by mail

Non-Profit Checking

   •  $10 initial deposit required
   •  No minimum balance required
   •  No monthly service charge
   •  Unlimited check writing
   •  If account is active, a monthly statement with check images will be sent by mail

Ready Reserve

Need protection from overdrafts? Ready Reserve is a line of credit (subject to loan officer approval), which can be added to any checking account. If an item presented would overdraw your account, funds are automatically advanced from your Ready Reserve. There is a one time set up fee of $10.
Business Savings Account

Account available to sole proprietorships and non-profit organizations. A $10 initial deposit and $10 minimum daily balance must be maintained each day to obtain disclosed Annual Percentage Rate. If more than 10 withdrawals per statement cycle are done, a $1.00 service charge is assessed per withdrawal. We reserve the right to at any time require not less than 7 days written notice before any withdrawal. Interest is calculated by the daily balance method. Interest compounded daily and credited monthly. Statements will be generated quarterly unless a combined checking and savings statement is requested.

Business HiFi Savings Account

This account is available to all businesses. This is our tiered rate money market savings plan. A $10 minimum initial deposit is required. Rates are based on account balance. This account requires a $1,000 minimum balance or an average collected balance of $2,500. If balance falls below, a $10 service charge will be assessed for the month. Limit of 6 preauthorized withdrawals per month. We reserve the right to at any time require not less than 7 days written notice before any withdrawal. Interest is calculated by the daily balance method. Interest is compounded and credited monthly. Statements are generated monthly.
Card Services                                                                  
ATM Cards

Union State Bank offers an automatic teller machine (ATM) Card to qualifying checking and savings account holders. Our ATM card will provide you with 24 hour access to your account locally or worldwide.
Instant Cash & Check Card

This is Union State Bank's Visa check card product, available to qualifying account holders. This allows you access to your checking account at any merchant that accepts Visa credit cards or to get cash at any ATM. The card looks like a credit card but acts like a check.

élan VISA Credit Cards

Union State Bank is proud to offer the élan VISA credit card. Elan offers a variety of credit cards to choose from – platinum, classic, cash rewards, travel, young adult, college, and business. You are certain to find a credit card that fits your needs at Union State Bank.

Lost or Stolen Cards
If your card is lost or stolen you need to immediately call one of the following numbers:
Instant Cash & Check Cards or ATM Cards:
During regular banking hours:
Hazen:1-877-684-2233 long distance or 748-2233 local

Beulah: 1-877-684-2233 long distance or 873-2221 local

After business hours: 1-800-253-0069
 
VISA Credit Cards: 1-800-558-3424

Locations: