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Everyone has goals: a comfortable retirement, education for children, a new home, travel, and most of us are wondering how we are going to reach these goals. We'd like some guidance in achieving them. We'd like a plan that shows us where we are going and how to get there. We want investments that balance growth and security. And above all, we want professional assistance from people we trust. First International Bank & Trust is dedicated to helping you achieve your goals.

Start building a cash reserve for your future today.

Savings
  • Interest is compounded quarterly and paid on the average daily balance.
  • $6.00 per quarter service charge on accounts that do not maintain a $200.00 average quarterly balance.
  • Customers under 24 years of age or those 65 or older will be exempt from service charges and minimum balance requirement if they notify FIB & T of their birth date.
  • Quarterly statement
  • Annual percentage yield and interest rates subject to change at anytime.
  • Only 6 preauthorized or automatic withdrawals or transfers from the account per month are allowed. Exceeding the transaction limitation is prohibitied by regluation. In person transactions are not limited.
  • Tiered annual percentage yield and interest rate based on average daily balance:
    Tier 1: $0-$99,999.99
    Tier 2: $100,000-$499,999.00
    Tier 3: $500,000-$999,998.99
    Tier 4: $999,999 and up
  • Read the Disclosures regarding this account.
Christmas Club Savings
  • An easy way to save for that perfect Christmas!
  • No minimum deposit required to open the account.
  • Make as many deposits as you like for as much or as little as you wish.
  • Withdrawals are not allowed until maturity.
  • Account matures Novermber 15th each year so term varies.
  • Any withdrawals before maturity will close the account and all accrued interest will be forfeited.
  • Account balance must be transferred to another FIB&T savings or checking account at maturity.
  • Read the Disclosures regarding this account.
Kids Club
  • Customers 12 years and younger.
  • Newsletter and special benefits may be available.
  • No minimum balance required to open the account.
  • Interest is compounded quarterly and paid on the average daily balance.
  • Quarterly statements.
  • Annual percentage yeild and interest rates subject to change at any time.
  • Only 6 preauthrized or automatic withdrawals or transfers from the account per month are allowed.
  • Read the Disclosures regarding this account.
First Money Market
  • Tiered annual percentage yield and interest rate based on average daily balance:
    Tier 1: $1,000-$24,999.99
    Tier 2: $25,000-$99,999.99
    Tier 3: $100,000-$499,999.99
    Tier 4: $500,000-$999,998.99
    Tier 5: $999,999 and up
  • Minimum deposit of $1,000 required to open the account
  • Interest is compounded monthly and paid on the average daily balance.
  • Monthly statement.
  • Only 6 preauthorized withdrawals, automatic or telephone transfers, checks and draft transactions per month are allowed. Exceeding the transaction limitation is prohibited by regulation. In person transactions are not limited.
  • A service charge of $15 each statement cycle the balance in the account falls below $1,000 any day of the statement cycle.
  • CashCard and Check & CashCard are not available.
  • Annual percentage yield and interest rate subject to change at anytime.
  • Combined statement with checking account.
  • Read the Disclosures regarding this account.
Certificates of Deposit
With our Certificates of Deposit, you decide how long you want to invest your money. We offer a variety of terms providing just the right length for every savings plan.

We've designed a wide range of CD alternatives with your savings style in mind. Select from a menu of traditional, fixed rate CDs to one of our more flexible alternatives. Whichever you choose, you're sure to find the right product to meet your needs. Rates on all of our CDs are updated regularly to reflect market conditions.
  • Interest compounded, or deposited to an account with us or another financial institution.
  • Terms vary up to 120 months.
  • Minimum balance requirements and substantial penalties for early withdrawal vary based on term or type of certificate.
  • Special rates may be available to checking and savings account customers.
  • Annual percentage yield and interest rates subject to change at maturity.
  • Read the Disclosures regarding this account.
Health Savings Account
  • Tax-favored account in which funds are deposited to pay for qualified medical expenses of eligible individuals with high deductible health plans.
  • Check safekeeping
  • Tiered annual percentage yield and interest rate based on average daily balance
    Tier 1: $0 - $2,499.99
    Tier 2: $2,500 - 9,999.99
    Tier 3: $10,000 and up
  • Interest compounded monthly and paid on average daily balance.
  • Complimentary FIB&T custom design checks available.
  • No service charge during first 12 months.
  • $3 monthly service charge after first 12 months if balance is below $2,500 any day of the statement cycle.
  • Annual percentage yield and interest rate subject to change at any time.
  • Read the Disclosures regarding this account.
Higher Learning Fund
This is a certificate of deposit that is designed especially for the student(s) in your family. It is an excellent way to save for those future college years.
  • Minimum deposit of $100 to open the account.
  • Additional deposits can be made at any time with any dollar amount.
  • Maturity date based on date of opening and July of graduation year from high school.
  • Variable interest rate.
  • Substantial penalty for early withdrawal.
  • Read the Disclosures regarding this account.
Individual Retirement Account
You can benefit from an IRA today because you may be able to deduct all or part of your annual contribution from the gross income on your taxes.

We offer a variety of IRA plans. Please contact your local customer service representative for details.
  • Certificate of Deposit IRA Accounts: Traditional and Roth.
  • Terms vary up to 120 months.
  • Minimum opening balance requirement $100.00.
  • Substantial penalty for early withdrawal except for exempt distributions.
  • Annual percentage yield and interest rates subject to change at maturity.
  • Read the Disclosures regarding Roth IRAs.
  • Read the Disclosures regarding Traditional IRAs.
IRA Savings Accounts
  • Traditional and Roth IRAs.
  • Competitive interest rates.
  • Minimum opening balance requirement of $100.00.
  • Annual percentage yield and interest rates subject to change at anytime.
  • Read the Disclosures regarding the Roth IRA Savings.
  • Read the Disclosures regarding the Traditional IRA Savings.
Property For Sale
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Check out the properties we have for sale.
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First International Bank & Trust now offers the ability to download account information into Quicken® and QuickBooks®.
First International Bank & Trust © 2014
100 North Main
Watford City, North Dakota 58854
1-800-359-8092 webmaster@firstintlbank.com
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