Personal Banking Service Options

If you want a full suite of personal banking options matched with unrivaled customer service, Minnesota Lakes Bank is the place to be. Our products match those of any big financial institution, with all the friendliness and personal touch of your small-town bank. We are always more than happy to work with our customers to find the best financial solutions that help them reach their goals.

“Minnesota Lakes Bank staff is personable and professional.” – Jennifer Thompson, MNLB Customer

Jennifer Thompson, MNLB Customer

Personal Banking Service Options

Minnesota Lakes Bank offers personalized banking solutions paired with unmatched service. See what makes our checking, savings and online banking solutions the right choice for you.

At Minnesota Lakes Bank, we offer a variety of checking accounts to suit your personal needs. Please contact a bank representative for further details and current rates.

  • Essential Checking
  • Superior Checking
  • Prime Time Checking
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Build a bright future with help from a savings account personalized to your needs. See what Minnesota Lakes Bank has to offer.

  • Personal Savings
  • Money Market Savings
  • Health Savings Accounts
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Minnesota Lakes Bank proudly offers all account holders online banking, a safe, secure and easy way to bank from anywhere that you can access the Internet. Anytime, anywhere; Minnesota Lakes Bank online banking is available 24 hours a day, 7 days a week. No special software is needed.

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Minnesota Lakes Bank offers FREE direct deposit to our customers. Direct deposit is safe, reliable, convenient and confidential.

Sign-up with your employer for direct deposit of your payroll checks to enjoy all the benefits of this service

  • With direct deposit there is no possibility of lost, stolen or damaged checks.
  • Direct deposit is virtually error-proof.
  • With direct deposit you do not need to worry about getting to the bank on payday.
  • If you are on vacation or simply too busy to get to the bank, your deposit is made for you.
  • Direct deposit is confidential because it reduces the number of people who see your checks.
  • Your deposit is made electronically.

For our customers who receive Social Security benefits, contact your local Social Security Administration office for further information. The Social Security Administration processes more than 300 million benefit payments by direct deposit each year and not a single one has been lost. For more information, follow this link: Social Security Administration.

DIRECT DEPOSIT – Safe, Reliable, Convenient, Confidential, Free

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Minnesota Lakes Bank’s Delano location offers a range of sizes of safe deposit boxes.*

Applicable fees based on box size.

* Safe deposit boxes are not FDIC insured.

Certificates of Deposit (CDs)

Minnesota Lakes Bank offers certificates of deposit as a financially secure investment. Certificates of deposit offer flexibility of terms with competitive rates.

Features and Benefits:

  • Terms from 91 days to 60 months
  • Competitive interest rates
  • Multiple interest payment options
    • Compounded
    • Paid by check
    • Automatically deposited to your checking or savings account
  • Convenient renewal process
    • A maturity notice is mailed prior to the maturity date
    • Certificates are automatically renewed at maturity
    • A 10-day grace period allows you to make changes without a penalty
  • FDIC insured

Penalties may apply for early withdrawal. Access our Financial Calculators to do “what if” scenarios for home budget, loans, savings and retirement.

Individual Retirement Accounts (IRAs)

Minnesota Lakes Bank offers both traditional and Roth IRAs for your benefit. Individual retirement accounts (IRAs) provide a viable option for planning and saving for a secure retirement. IRAs offer flexibility, accessibility, and independence from other forms of retirement plans. Minnesota Lakes Bank IRAs are federally insured unlike other instruments such as bonds and stocks. You can invest your money in certificates of deposit or variable rate savings accounts. Consult your tax advisor about the IRA best suited for you.

Features and Benefits:

  • No maintenance fees
  • Certificates of deposit are automatically renewed at maturity
  • Penalties may apply for early withdrawal
  • IRA transfers, rollovers, direct rollovers and regular contributions are available
  • FDIC insured up to $250,000

Your trusted source for personalized banking solutions

For personal banking solutions, Minnesota Lakes Bank offers the top-notch products and industry-leading customer service to match. Work with our team to find an account that meets your needs.

Resources

Find greater detail on our checking, savings and online banking options here. As always, reach out to our team if you have any questions.

Meet our knowledgeable service team.

Kimberley Rostis

Vice President, Operations, CBAP

Kimberley Rotis

Brittany Bennis

Customer Service Representative

Kara Loehrs

Customer Service Representative

Jessie Micka

Customer Service Representative