Start your savings account to set a path to reaching your goals, whatever they may be. Whether you’re gearing up for a comfortable retirement, hoping to buy a new home, or planning for your child’s education, we can help you get there. Chose the account that’s right for you.
Regular Savings Account
Earn interest, and keep your money accessible
Save for life’s necessities, goals, and emergencies with a convenient, simple savings account. It’s perfect at any stage in life. Earn interest based on your average daily balance and enjoy unlimited in-person withdrawals.
Truth in Savings Disclosure Regular Savings Account
First Money Market
Great returns for long-term goals
With a money market savings account, keep a higher balance for a great interest rate, while maintaining the flexibility of our other savings accounts. Account service charge fees are waived when you maintain a minimum balance. The more you save, the more you earn.
Truth in Savings Disclosure Money Market Account
Premium Money Market
Secure savings at industry-leading rates
Our highest-yield traditional savings option. Earn dividends on your high-balance account at a healthy rate, while maintaining anytime access.
Truth in Savings Disclosure Premium Money Market Account
Savings Accounts at a Glance
|Regular Savings||First Money Market||Premium Money Market|
|Service Charges||$6 per quarter (on accounts that do not maintain an average quarterly balance of $200)||$15 per month if balance falls below minimum for service charges||$15 per month if balance falls below minimum for service charges and/or interest|
|Transaction Charges||N/A||Only 6 pre-authorized withdrawals, automatic or telephone transfers, and debit card transactions per month. In person transactions are not limited. A $5 fee will be applied for each transaction over the limit.||Only 6 pre-authorized withdrawals, automatic or telephone transfers, and debit card transactions per month. In person transactions are not limited. A $5 fee will be applied for each transaction over the limit.|
|Minimum Balance for Service Charges||$200||$1,000||$1,000|
|Minimum Balance to Earn Interest||None||None||$25,000|
|Online Banking and Bill Pay||Available||Available||Available|
|eStatement||No Charge||No Charge||No Charge|
|Checks||None||Fee depending on style of checks ordered||Fee depending on style of checks ordered|
|FIBT ATM access||Free||N/A||N/A|
|Non FIBT ATM||Fees may be refunded3||N/A||N/A|
Christmas Club Savings Account
Prepare for annual shopping and spending
The holiday season should be a time of joy, not stress. Avoid the strain that can come with holiday spending. Set up contributions to be set aside on a weekly, bi-weekly or monthly basis. Start saving and making interest now.
Open Christmas Club Savings Account
Truth in Savings Disclosure Christmas Club Savings Account
Health Savings Account
Pay for medical expenses using pre-tax, HSA dollars
An HSA Paired with a qualified health plan allows you to make tax-free contributions to a federally insured savings account. HSA qualified plans typically cost less than traditional plans, and the money saved can be placed in your HSA to earn tax-free interest.
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.