BNC
- Company typePublic
- Founded1990
- HeadquartersBismarck, United States
- Headcount251–500
- GTM typeB2B and B2C
- OfferingServices
BNC firmographics
Firmographics- Name
- BNC
- Legal name
- BNCCORP, INC.
- Website
- https://bnc.bank
- Company type
- Public
- Founded year
- 1990
- Operating status
- Operating
- Headcount range
- 251–500 employees
- Ownership category
- akta.pro rank
Where BNC is headquartered
LocationHeadquarters
- HQ city
- Bismarck
- HQ country
- United States
- HQ region
- North America
Offices10 records
Markets served
BNC business model
Business model- GTM type
- B2B and B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales, Others
Revenue model
- Interest Income: Traditional banking revenue from interest rate spreads on loans and mortgages, including personal, business, agricultural, and SBA loans
- Deposit Account Fees: Monthly service charges on certain checking accounts, overdraft fees, and other account-related service fees
- Wealth Management Services: Investment management, retirement planning, and trust services for individuals and businesses
- Business Banking Services: Cash management, merchant services, and business credit card revenue
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Monthly | Free Business Checking - No monthly fee, basic business banking |
| Subscription | Monthly | Interest Business Checking - Earns interest with low balance requirement |
| Subscription | Monthly | Commercial Checking - For businesses with complex needs |
| Usage-based | Pay-as-you-go | Home Equity Line of Credit (HELOC) |
Go-to-market motion1 record
Distribution channels3 records
Marketing channels5 records
BNC product offering
Product offeringCore offering
BNC National Bank is a community bank providing personal banking (checking, savings, debit cards, personal/vehicle/HELOC loans, credit cards) and business banking (three tiers of business checking, savings, agricultural/SBA/commercial loans, 401(k) administration, merchant services, business credit cards) to consumers and SMBs across North Dakota and Arizona. The bank also offers wealth management, trust services, and a digital banking platform with mobile deposit, Zelle P2P, digital wallet tokenization, and business cash management tools.
Product overview
BNC National Bank offers a comprehensive community banking platform providing both personal and business banking services. Personal banking includes checking and savings accounts, personal and vehicle loans, Home Equity Lines of Credit (HELOC), credit cards, and wealth management. Business banking encompasses three tiers of checking accounts (Free, Interest, and Commercial), savings accounts, Ag and Business Loans, SBA loans, and 401(k) planning services. Digital banking services include online and mobile banking with mobile deposit, bill pay, digital wallet integration (Apple Pay, Google Wallet, Samsung Wallet), eDocs, card management with lock/unlock controls, secure messaging, and Zelle peer-to-peer payments. Business cash management tools include ACH origination, wire transfers, merchant services (via Elavon), positive pay fraud protection, and lockbox services. The bank also offers specialized services like Bounce Protection overdraft coverage, travel alerts, and fraud prevention tools. Financial planning tools include various calculators for loans, retirement, savings, and taxes.
Differentiator
Problem solved
Functional benefit
Products and services
- Personal Checking Accounts Checking accounts offering online and mobile banking access, debit cards, and bill pay for individual consumers.
- Personal Savings Accounts Savings accounts designed to help customers grow their savings with competitive interest rates.
- Personal & Vehicle Loans Installment loans for personal expenses and vehicle purchases with various term options for individual borrowers.
- Home Equity Line of Credit (HELOC) Revolving credit line secured by home equity, offering a promotional 5.49% APR fixed rate for the first 6 months (June 1 – July 31, 2026), minimum $10,000 and maximum $200,000 loan amount, converting to a variable APR thereafter (6.75% index + 0.50% margin = 7.25% as of June 1, 2026; APR never exceeds 18.00%).
- Personal Credit Cards Credit cards offering flexible purchasing power and zero fraud liability for personal banking customers, issued under joint marketing with Elan Financial Services.
- Personal Online & Mobile Banking Digital banking platform providing account management, mobile deposit, bill pay, card controls, secure messaging, and real-time alerts via unified dashboard for personal banking customers.
- Wealth Management Services Financial advisory services including wealth planning, investment planning, asset management, Traditional/Roth IRA accounts, and personal trust services for individual and business clients.
- Free Business Checking Business checking account with no minimum balance, no monthly service charge, up to 1,000 monthly transaction items, and up to $10,000 currency deposited per month; requires $50 opening deposit.
- Interest Business Checking Business checking account earning competitive interest rates, requiring $1,500 average daily balance to avoid $6 monthly service charge; $50 opening deposit required.
- Commercial Checking Business checking for complex needs with earnings credit allowance on deposit balances that may offset activity fees; transaction items 15 cents each; $50 opening deposit required.
- Business Savings Accounts Business savings accounts designed to help businesses grow their deposits with various term options.
- Ag & Business Loans Commercial lending products including agricultural loans, real estate loans, SBA loans, and general business financing for SMB and agricultural customers.
- 401(k) Planning & Administration Retirement plan services for businesses to develop and administer employee retirement plans via the Schwab Retirement Plan Services platform.
- Business Cash Management Suite of business banking tools including remote/mobile deposit, wire transfers, ACH origination, merchant services, positive pay, and lockbox services for business banking customers.
- Merchant Services Payment acceptance solutions via Elavon offering in-person, online, mobile, smart terminals, EMV/chip card terminals, ecommerce integrations, loyalty/gift cards, and next-day business funding for merchants.
- Business Bounce Protection Discretionary overdraft service for business checking accounts providing up to $500 (Interest/Free) or $1,000 (Commercial) in coverage with $32.98 fee per item.
- Business Credit Cards Credit card products designed for business spending with flexible purchasing power for SMB and commercial customers.
- Business Online & Mobile Banking Digital banking platform for businesses offering account management, cash flow tools, and SecureID token two-factor authentication.
Companies that use BNC
Customer profileNamed customers4 records
Segments3 records
Ideal customer profiles3 records
BNC technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Integration8 records
Feature6 records
BNC partnerships and signals
Strategic signalPartnerships
Six partnerships are on record, tiered minor and core.
- Elan Financial ServicesminorJoint marketing partner for credit card services. Elan Financial Services provides credit card processing and services under the joint marketing agreement.
- MoneyPasscoreMoneyPass provides the surcharge-free ATM network for BNC National Bank customers, offering access to over 25,000 surcharge-free ATMs nationwide.
- Apple PaycoreDigital wallet integration allowing customers to add BNC debit cards to Apple Pay for contactless payments.
- Google WalletcoreDigital wallet integration allowing customers to add BNC debit cards to Google Wallet for contactless payments.
- Samsung WalletcoreDigital wallet integration allowing customers to add BNC debit cards to Samsung Wallet for contactless payments.
- ZellecoreZelle integration enables fast, secure money transfers between BNC accounts and accounts at other participating banks.
Scale indicators6 records
Recent moves7 records
Expansion highlights4 records
BNC competitors and assessment
Company assessmentDirect peers
- Bell Bank: Fargo-based community bank with similar North Dakota and broader Midwest footprint offering personal, business, and ag banking. Highly comparable in scale, regional focus, and product mix to BNC.
- Cornerstone Bank: North Dakota community bank serving consumer and ag customers with similar branch network and lending products. Comparable in scale, market, and community-bank profile.
- Bremer Bank: Upper Midwest community bank operating across Minnesota, North Dakota, and Wisconsin with personal, business, and ag banking. Comparable scale and regional community-banking positioning relative to BNC.
- First International Bank & Trust: Community bank with heavy presence in North Dakota and western markets offering consumer, business, ag, and mortgage lending. Comparable regional focus, agricultural lending expertise, and customer profile to BNC.
- Starion Bank: North Dakota-domiciled community bank serving consumers, businesses, and ag clients across the state. Closely comparable in market footprint, customer segments, and community banking model to BNC.
- Choice Financial Group: North Dakota-headquartered community bank with branches across the state and ag/SMB lending focus. Directly comparable in customer segments, geographic concentration, and product offering to BNC.
- Western State Bank: North Dakota-based community bank providing personal, business, and agricultural lending. Comparable regional footprint and customer base to BNC's core markets.
Broad incumbents
- Glacier Bancorp: Multi-state community bank holding company operating across the Western U.S. with community banks in similar rural/regional markets. Comparable community-banking model, though at materially larger scale than BNC.
- Heartland Financial USA (HTLF): Multi-state community bank holding company serving Midwest and Western markets through community banking subsidiaries. Similar diversified community-banking strategy across rural and mid-sized markets.
Regional players
- Kirkwood Bank & Trust: Bismarck-headquartered community bank in North Dakota serving consumers and businesses with a full-service banking platform. Direct local market overlap with BNC's Bismarck home base.
Market position
Strengths4 records
Weaknesses5 records
Competitive moat4 records
Key risks6 records
Key highlights6 records
Customer concentration
BNC social profiles
Digital presenceBNC compliance and trust
Trust signalCompliance1 record
BNC financial estimates
Financial estimateRevenue estimate
Valuation estimate
BNC leadership team
Management profileNumber of profiles
Profiles9 records
BNC subsidiaries and ownership
Company hierarchySubsidiaries1 record
BNC funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
BNC M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about BNC
What does BNC do?
BNC National Bank is a community bank providing personal banking (checking, savings, debit cards, personal/vehicle/HELOC loans, credit cards) and business banking (three tiers of business checking, savings, agricultural/SBA/commercial loans, 401(k) administration, merchant services, business credit cards) to consumers and SMBs across North Dakota and Arizona. The bank also offers wealth management, trust services, and a digital banking platform with mobile deposit, Zelle P2P, digital wallet tokenization, and business cash management tools.
Is BNC a public or private company?
BNC is a public company. It is classified as public and is currently operating.
When was BNC founded?
BNC was founded in 1990. It employs 251 to 500 people.
Where is BNC based?
BNC is headquartered in Bismarck, United States, in the North America region.
How does BNC make money?
Four revenue lines are on record. Interest Income is the primary driver. The others are deposit Account Fees, wealth Management Services and business Banking Services.
Who are BNC's main competitors?
Direct peers on record are Bell Bank, Cornerstone Bank, Bremer Bank, First International Bank & Trust, Starion Bank, Choice Financial Group and Western State Bank. Broad incumbents are Glacier Bancorp and Heartland Financial USA (HTLF). Kirkwood Bank & Trust is listed as a regional player.
Does BNC have an API?
No public API is recorded for BNC.