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First International Bank & Trust

Popular Accounts at this Bank

0.20%SavingsRegular Savings
0.75%CheckingAdvantage Account
0.20%Money MarketFirst Money Market

Overview / Commentary
100 North Main Street
Watford City, ND 58854

First International Bank & Trust is headquartered in Watford City and is the 2nd largest bank in the state of North Dakota. It is also the 367th largest bank in the nation. It was established in 1910 and as of June of 2017, it had grown to 515 employees at 27 locations. First International Bank & Trust has a B+ health rating.

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Reviews (2)

Best Bank Ever! Period.

Posted by: Anonymous | Sep 5, 2012

Ever since I transferred all my accounts from my previous bank to this one I have been happy. I use to bank with a larger bank, and whenever I would call in all I would get is the computer. Not here. At First International I call and get a friendly voice willing to help me, and even though I don't have a lot of money they treat me like family. I would suggest this bank to anyone!

Just Wow.

Posted by: Liora | Sep 15, 2017

I made an account just to warn people about this bank. Worst banking experience ever, and I thought I had it bad before they bought our accounts from Bank of the Cascades! They'll literally hold any money you put in your account for days, unless you are rich and already have that amount in the account to "cover it". We can't even cash checks unless we have enough to cover it in our account "just in case" (I.e: you have $25 bucks in your account and want to cash a check for $40, they won't let you; you'll have to deposit it and wait first, you have to have $40 minimum to cash the check). Never have I EVER heard of a bank so paranoid of its own customers. We are new customers and are already being treated like enemies. We called customer service and got NO HELP, and they made a huge hassle out of us just wanting the money we HAD. They'll even remove and hold money returned to your card/account, and then charge you for any overdraft it causes even if they remove the money a day later. Absolutely horrendous stuff going on here.
They also charge an overdraft fee ever 5 days, before you can even (hopefully) get paid generally. And it doesn't matter if you made NSF purchases, you get that charge no matter what.
They also handled the transition extremely poorly and instead of rerouting direct deposits (I know it's possible even for small banks, I was with Bank of the Cascades when they took over Bank of America branches, and they routed people's direct deposits for multiple months to give people time to transition), they made no effort to do so and therefore broke any direct deposits for customers, causing many issues. I never agreed to these new terms and conditions for the account, and we will be closing our accounts with this bank ASAP.
I can't even believe they have customers. Just wow.


Health Grade Components

FDIC Certificate #10248
Year Established1910
Primary RegulatorFDIC
Profit Margin
Return on Assets - YTD1.34%
Return on Equity - YTD15.02%
Annual Interest Income$51.0MM
Assets and Liabilities
AssetsQ2 2017vs Q2 2016$2.37B$2.21B
LoansQ2 2017vs Q2 2016$1.78B$1.69B
DepositsQ2 2017vs Q2 2016$2.11B$1.91B
Equity CapitalQ2 2017vs Q2 2016$213.8MM$211.4MM
Loan Loss AllowanceQ2 2017vs Q2 2016$20.0MM$20.5MM
Unbacked Noncurrent LoansQ2 2017vs Q2 2016$17.6MM$26.7MM
Real Estate OwnedQ2 2017vs Q2 2016$11.7MM$11.9MM
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First International Bank & Trust Savings Account Rates

0.75%*$10k*-Health Savings Account
OTHER TIERS: 0.35% Up to $2,500 | 0.55% $2,500 - $10k
0.50%*-$10kChristmas Club
OTHER TIERS: 0.15% $10k+
0.20%*$1m*-Regular Savings
OTHER TIERS: 0.05% Up to $100k | 0.10% $100k - $500k | 0.15% $500k - $1mm
0.20%*$1m*-Special Age Savings Account
OTHER TIERS: 0.05% Up to $100k | 0.10% $100k - $500k | 0.15% $500k - $1mm

First International Bank & Trust Money Market Rates

0.20%*$1m*-First Money Market
OTHER TIERS: 0.05% $1k - $25k | 0.10% $25k - $500k | 0.15% $500k - $1mm

First International Bank & Trust Checking Account Rates

1.00%*-$25kAdvantage Account w/ Loan
OTHER TIERS: 0.03% $25k+
0.75%*-$25kAdvantage Account
OTHER TIERS: 0.03% $25k+