Minnesota Bank & Trust Deposits and Operating Accounts

Put your cash reserves to work with strategies that optimize your cash flow. Our knowledgeable commercial bankers will help you identify checking and savings account services that work best for you.

BUSINESS ANALYSIS CHECKING

Receive earnings credit on balances that can offset monthly service charges.

$100

Minimum Deposit To Open

$25 monthly maintenance fee

BUSINESS INTEREST CHECKING

Get the best of both worlds – checking account flexibility, plus interest at competitive rates.

0.05% APY

On All Balances1

$100 minimum deposit to open

BUSINESS CHECKING

Designed as a workhorse account to manage payroll, petty cash, or other operational needs.

$1,500

Average Daily Balance

to avoid $5 monthly mainteance fee6

BUSINESS SAVINGS

Allows business to earn interest on smaller balances.

0.10% APY

On All Balances2

$100 minimum deposit to open

BUSINESS HIGH-YIELD SAVINGS

Allows businesses to earn more on higher balances.

0.30% APY

On Balances $50,000+3

$10,000 minimum deposit to open

BUSINESS MONEY MARKET

This low minimum balance business money market account makes your money work harder for you.

0.20% APY

On Balances $25,000+4

$1,000 minimum deposit to open

BUSINESS PREMIUM MONEY MARKET

Earn the highest interest rates on the highest balances with no monthly maintenance fee.

0.85% APY

On Balances $250,000+5

$25,000 minimum deposit to open

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1Annual Percentage Yields (APY) are accurate as of: 10/20/2019. The rates and terms may change after the account is opened. Account fees could reduce earnings. Truth in Savings Disclosures are available upon request.

2Annual Percentage Yields (APY) are accurate as of: 10/20/2019. The rates and terms may change after the account is opened. Account fees could reduce earnings. Truth in Savings Disclosures are available upon request. First 25 deposited items are free, then $0.50 per item. This fee applies regardless of the balances maintained in the account.

3Annual Percentage Yields (APY) are accurate as of: 10/20/2019. The rates and terms may change after the account is opened. Account fees could reduce earnings. Truth in Savings Disclosures are available upon request. 0.05% APY to balances $0-9,999.99, 0.25% APY applies to balances of $10,000-$24,999.99, 0.25% APY applies to balances $25,000-$49,999.99, 0.30% APY applies to balances of $50,000-$99,999.99, and 0.30% APY applies to balances of $100,000 and up. Fees may reduce earnings. Rates and terms may change after account is open. First 25 deposited items are free, then $0.50 per item. This fee applies regardless of the balances maintained in the account.

4Annual Percentage Yields (APY) are accurate as of: 10/20/2019. The rates and terms may change after the account is opened. Account fees could reduce earnings. Truth in Savings Disclosures are available upon request. 0.13% APY to balances $0-$2,499.99, 0.13% APY applies to balances of $2,500-$4,999.99, 0.15% APY applies to balances $5,000-$9,999.99, 0.15% APY applies to balances of $10,000-$24,999.99, 0.20% APY applies to balances of $25,000-$99,999.99, 0.20% APY applies to balances of $100,000 and up. Fees may reduce earnings. Rates and terms may change after account is open. First 25 deposited items are free, then $0.50 per item. This fee applies regardless of the balances maintained in the account.

5Annual Percentage Yields (APY) are accurate as of: 10/20/2019. The rates and terms may change after the account is opened. Account fees could reduce earnings. Truth in Savings Disclosures are available upon request. 0.05% APY to balances $0-24,999.99, 0.15% APY applies to balances of $25,000-$49,999.99, 0.55% APY applies to balances $50,000-$99,999.99, 0.65% APY applies to balances of $100,000-$249,999.99, 0.85% APY applies to balances of $250,000-$999,999.99, 0.85% APY applies to balances of $1,000,000-4,999,999.99, 0.85% APY applies to balances of $5,000,000-$9,999,999.99, and 0.85% APY applies to balances of $10,000,000 and up. Fees may reduce earnings. Rates and terms may change after account is open. First 25 deposited items are free, then $0.50 per item. This fee applies regardless of the balances maintained in the account.

6 The average balance is calculated by adding the current balance in the account for each day of the cycle month and dividing that figure by the number of days in the cycle month.