First Reserve Loan
Overdraft coverage for Your Checking Account
Protect your accounts from costly and inconvenient overdrafts. A First Reserve Loan can be added to all qualified checking accounts. Contact Us to apply.
No Interest Is Charged Until Date of Advance
Your overdraft coverage is there for you if you need it. If you don’t use it, you don’t pay. There is a $0 fee per advance, subject to 21.00% APR on advances.
A First Reserve Loan may be advanced automatically each time your account is overdrawn by writing a check, ACH, Point of Sale, or ATM transaction, telephone transfer, online banking transfer or in-person withdrawal.
24 days after your monthly statement, payments are withdrawn from your checking account automatically. Payment amounts are based on the outstanding balance of your First Reserve loan.
Who is FIBT?
First International Bank & Trust (FIBT) is a full-service, family-owned, independent community bank serving a wide range of communities across North Dakota, South Dakota, Minnesota, and Arizona.