Ultimate Banking | Frandsen Bank | MN, WI, ND

Asegurado por la FDIC- Respaldado por la plena fe y el crédito del Gobierno de los estados Unidos

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Ultimate Results Checking

A premium checking experience that rewards your balance with preferred rates, everyday ease, and attentive service.

Earn a premium interest rate of 6.17%² APY^* on your first $20,000 when the following conditions are met during the monthly statement cycle:
- $5,000 in direct deposits AND
- 12 posted debit card purchases³ monthly
Elevated purchase and withdrawal limits with your Ultimate black debit card
No Monthly Maintenance Fee
Free eStatements or $3 Paper Statement Fee

Flexible Financing

When Every Detail Matters, We Deliver.

You focus on your next move. We’ll handle the logistics.

Ultimate Mortgage

Tailored financing with personalized guidance — designed to fit your goals, not a formula.

Owner-occupied and second homes
Adjustable-rate mortgage options
Up to $1.25 million
5% minimum down payment
No private mortgage insurance
Half-off origination fees
Loans are subject to credit approval

Ultimate HELOC

Strategically access your home’s equity with the insight and support of your dedicated banker.

Available to Frandsen Ultimate Mortgage customers
60 months
Competitive, variable rates
No origination fee⁴
100% loan-to-value financing options

Ultimate Line of Credit

An elegant solution for liquidity — seamless access to funds whenever opportunity arises.

Unsecured line of credit up to $75,000
24 months
Competitive, variable rates
No origination fee⁵

Resources

Tarjetas de Crédito

Ya sea que quieras reducir tus saldos más rápido, maximizar el reembolso en efectivo (cash back), ganar recompensas o comenzar a construir tu historial crediticio, tenemos una tarjeta para ti.

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Wealth Management

Build a goals-based investment plan and asset strategy designed to manage risk and grow with you, all while valuing diversification.

No asegurado por FDICPuede Perder ValorSin Garantía de Banco

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Información y Divulgaciones Legales Importantes

Qualifying criteria include a minimum annual income of $200,000 for individuals or $300,000 for households.

All loans are subject to credit approval. Rates and terms may vary based on credit and account relationship. Additional fees may apply.

When Premium interest rate conditions are met and your daily available balance is $20,000 or less, the Annual Percentage Yield (APY) is 6.17%.
When Premium interest rate conditions are met and your daily available balance is over $20,000, the APY will range from 0.01 - 6.17%, depending on the balance in the account.
When Premium interest rate conditions are not met, the APY is 0.01% on the entire daily available balance.

Rates effective as of July 01, 2026 and are subject to change without notice at any time at the discretion of Frandsen Bank & Trust.

Fees may reduce earnings.

Una transacción incluye depósitos, documentos depositados, cheques pagados, débitos y créditos electrónicos, compras con tarjeta de débito y débitos en cajeros automáticos.

No incluye retiros en cajeros automáticos. Las compras con tarjeta de débito registradas no incluyen compras pendientes ni preautorizadas.

No origination fee for customers with a Frandsen Bank & Trust checking account that includes direct deposit. Customers without direct deposit receive a 0.50% Origination Fee.

"No origination fee for customers with a Frandsen Bank & Trust checking account that includes direct deposit OR for Ultimate Mortgage customers. Customers without qualifications receive a 1.00% Origination Fee.

APY = Rendimiento porcentual anual

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