Personal Banking

Remember Back When Banking Was So Much Simpler

...Those days still exist at Bison State Bank

We've seen a lot of things change since our bank was founded way back in 1901. Some things have gotten better with time, others were fine just the way they were. Annoying fees, fine print, tricks and traps to generate fees from customers have become a way of business at many banks.

The bottom line for us is that we keep banking simple with our All American Classic Banking approach …

All-American SIMPLISTIC Checking

Have you ever wondered how the big banks always have the latest everything, most glitzy marketing, the finest branches, up-to-the-minute ATM’s, and the state-of-the-art technological advances? They nickel and dime their customers to death with confusing fees, fine print and legal jargon.

Our approach to bank checking is unique today and simple. We offer just one checking account that includes everything you could possibly need including free online and mobile banking, bill pay and standard checks. You can use any ATM and get reimbursed up to $15 per statement cycle for other bank surcharges from ATMs. Better yet, there are no monthly maintenance fees. Online Statements and instant issue debit cards are also included, without fees or other costs.

All-American SIMPLISTIC Interest-Bearing Checking Account (Now Accounts)

We are located in one of the smallest towns in America with low overheads. Hence, we are able to operate without gouging our customers or taking advantage of them by profiting from nickel and dime fees or low rates on interest-bearing checking accounts.

There is no monthly maintenance fee if the average daily balance for the monthly statement cycle is above $500. If the balance falls below $500 a fee of $7 will be assessed. Rates vary and are dependent on daily average balance. Please call the bank for more information on rates. Debit cards are available for this account.

All-American SIMPLISTIC Savings

While customer loyalty does not mean much in many banks today, it does to us. Our savings account rates are among the highest anywhere. You shouldn’t have to pay to use your own money; therefore, we do not impose any maintenance fee or charge for any type of debit transaction. Rates are subject to change, please call the bank for information on savings account rates. Online Statements are provided.

All-American SIMPLISTIC CDs and IRAs

Certificate of Deposit (CD)

Our competitive rates are among the best of any bank and offered in a safe environment that is FDIC insured. Deposit as little as $750 for a term from 6 to 60 months. All certificates are automatically renewable with an early withdrawal penalty of only one month of interest. Interest is paid every six months and is compounded back to the CD.

Individual Retirement Accounts (IRA)

We offer ROTH and Traditional IRAs. For business owners we offer SEP and SIMPLE IRAs that are FDIC insured. We also offer Educational IRAs.