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Helpful Personal Banking Services by Minnesota Banks
Minnesota banks offer many exceptional services for personal account holders. Checking accounts, savings accounts, certificates of deposit, and a variety of loans are all available at local banks. Find banking options in Minnesota that have outstanding benefits and are designed to meet the individual needs of the local area residents.
Checking Accounts
Choose the paper-free e-Checking account and enjoy the convenience of being able to do all of your banking online with this "green account". There is no service charge if a direct deposit of $100 or more is made every month and you can even make five free ATM withdrawals per month at any machine. Take advantage of a checking account with no services charges with the Home Free Checking. This is an interest-free account that offers overdraft protection too. However, if you can maintain a minimum account balance, have your money working for you in a Preferred Interest Checking or Prestige Checking account. Seniors can enjoy the perks of a 55+ Checking account that offers rewards points, free checks, and live phone support. Students can make withdrawals for free at affiliated ATM machines and also have the security of overdraft protection with a Student Checking account.
Savings Accounts
Find premium rates and even have the ability to write checks with savings accounts offered by Minnesota banks. Statement Savings is a great way to receive quarterly interest on your funds. Prestige Savings offers a higher interest rate for larger accounts and requires a $1,000 minimum balance. Money Market Savings is available for accounts with a value of $20,000 or more and offer the most attractive rates in addition to the ability to access your money with checks.
Certificates of Deposit
Make a profitable long-term investment with a Certificate of Deposit offered form a reputable Minnesota bank and you can rest easy knowing that your CD is FDIC insured up to $250,000. This option is a safe way for account holders to earn an attractive savings rate with an option to reinvest the funds upon maturity.
Loans
Minnesota banks offer many loan options with both fixed and adjustable rates for home purchase and construction. Fixed Rate Mortgages are offered at different loan terms and give borrowers the security of knowing exactly what they will have to pay each year. Adjustable Rate Mortgages are often offered with a lower initial interest rate making it easier to qualify for your dream home. Biweekly Mortgages are designed to help the borrower pay off their principal mortgage and interest faster than with a traditional payment plan. Growing Equity Mortgages are another option for those who want to prepay their loan and create more spending power for themselves. A First Time Home Buyers Mortgage offers a low fee to open and only requires low down payment making it ideal for new families. Construction/Permanent Loans allow buyers who are building their own home to only pay interest for the first year on the part of the loan they have used. It also offers the convenience of only having to go through the closing process once.
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