March 24, 2014

  Union State Bank Customers

Thank you for your loyalty and support which has allowed Union State Bank to grow over these past 40 years.


We want to inform you of changes that are coming soon to make your banking experience easier.


We continue to invest in enhancing our online banking features. You will see more and more updates to online banking capabilities throughout the year. We're proud of the progress we've made since becoming the first local bank to offer online banking almost a decade ago, and pleased to see that many of our customers are using online banking at If you haven't tried it yet, please contact us and we would be happy to walk you through the online banking enrollment process.


To increase efficiency,we are streamlining our operations by consolidating our locations.  Our West Acres branch will be closing on June 30, 2014. After that our West Acres customers can visit our 4530 17th Ave. S. location (in front of Home Depot), which is less than a half mile away. We also have a north Fargo location at 3820 12th Ave. N. Oust off 1-29). To help make this transition easier, we've enclosed some Frequently Asked Questions with this mailing. If you have any questions or concerns, please let us know.



We appreciate all the questions we have received from our valued customers about the location consolidation and the June 30 closing of the West Acres branch.  Here's a list of questions and answers to help inform you about our transition.


Q: Why are you closing the West Acres branch?

A: We found that most of our customers were not using that branch.  Instead, they were using electronic banking or visiting our other two locations.  The merchants in the mall have changed their business practices

significantly over the past several years, moving to mostly credit or debit card payments which they run through national accounts.


Q: Where's the next closest location?

A: 4530 17th Ave. S., less than a half mile away, with the convenience of drive up.

Q: With all the news of the increasing number of Fargo bank locations, why is Union State Bank consolidating? A: First, our locations are well situated with easy access and in major traffic areas.  Secondly, we see that customers have changed their banking habits with remote direct deposits, Internet banking and mobile banking.


Q: Do you plan to close any more branches?

A: No.

Q: Are employees going to lose their jobs?

A: No, we have already relocated one full time employee and plan to work the other part-time employees into

our other 2 locations


Q: Do Ineed to talk to anyone to move my checking, savings or loans to a new location?

A: You will see no changes in how your accounts are handled with us.

Q: Will Ibe assigned a different personal banker?

A: You probably already have been assigned someone new. Just call 701-282-4598 to confirm.

Q: What's the future of Union State Bank?

A: We have seen great growth in size.  We are locally owned with local decision making, enjoying enhancing

the financial opportunities of our customers and the investment in this vibrant community.


Q: Will your two ATMs still be in West Acres?

A: Yes. The food court ATM and the Sears wingATM will still be available for use.

 December 22, 2013



Target is investigating a potential data breach that may have affected millions of debit and credit cards nationwide.  Initial reports indicate the breach appears to have started around November 27th and run through December 15th.

If you used a debit card, credit card or gift card at a Target store between these dates, please be sure to monitor your account activity closely for fraudulent transactions and report any transactions that you did not initiate to the financial institution that issued your card. At this time they believe transactions on were not compromised.

We have not yet received notification that any Union State Bank credit cards or debit cards were involved in the breach, and even though we have fraud monitoring security in place, we strongly encourage Union State Bank customers to monitor their own Union State Bank credit card and Union State Bank debit card accounts for any suspicious activity.  For customers who would prefer the peace of mind of having their current debit card(s) closed and new ones reissued, please feel free to call as at (701) 282-4598 and we will prepare a replacement card for you.

To monitor union State Bank Credit Card activity, please go to and click on Credit Card Login.  Twenty four hour support can be found by dialing 1-866-234-4691.

To monitor Union State Bank Debit Card activity, please go to and login to your Online Banking account.  You may also access Dial-a-bank at 701-281-6097 or toll free at 1-877-292-5701.

If you notice any fraudulent activity on a Union State Bank credit card please call the 24-hour support line at 1-866-234-4691.  If you notice fraudulent activity on your Union State Bank debit card, please report it as soon as possible by calling 701-282-4598. If the bank is not open please call our after-hours debit card hotline at 800-264-5578.

This would be a great time to introduce you to our Personal Financial Manager (PFM).  This service enables you to centralize balances and transaction activity on checking, savings, credit cards, mortgage loans, installment loans, investment accounts, retirement accounts, personal assets, and more.  From this one tool you can easily monitor all of your credit, and debit cards for any suspicious activity.

Our PFM solution connects to almost every US financial institution that has internet banking capability.  PFM automatically pulls all your financial information into one place so you can finally get a full financial picture.

No more tedious data entry or managing access to numerous online banking sites.  Within minutes after a simple setup process you will have all of your financial activity in one convenient place.  More information can be found at

As always, please remember that you are not responsible for any unauthorized charges to your Union State Bank credit card or debit card accounts.



April 5, 2013

International debit card purchases and atm withdrawals temporarily blocked

Due to an increased level of fraudulent international debit card and ATM transactions, Union State Bank has temporarily blocked all international transactions. Even though you may not have experienced such fraud, the potential for it happening has greatly increased leading us to take this precautionary step for your benefit and ours.

If you plan to travel internationally (outside the domestic United States) please do the following:

1.  Notify Union State Bank before traveling.  Advance notification will help ensure that legitimate purchases and withdrawals are approved.

2.  Our daily debit card purchase limit is $1,500.  ATM withdrawal limits are $400 daily.  If you need these limits adjusted please give us a call - 701.282.4598.

3.  Memorize your PIN.  Memorizing your PIN will allow you to safely obtain cash from ATM machines.  Never write your PIN number on your card.

*To report a lost or stolen card, call 701.282.4598 or 800.264.5578.





Notice of FDIC Insurance Coverage for Transaction Accounts

By operation of federal law, beginning January 1, 2013, funds deposited in a noninterest-bearing transaction account (including an Interest on Lawyer Trust Account) no longer will receive unlimited deposit insurance coverage by the Federal Deposit Insurance Corporation (FDIC). Beginning January 1, 2013, all of a depositor’s accounts at an insured depository institution, including all noninterest-bearing transaction accounts, will be insured by the FDIC up to the standard maximum deposit insurance amount ($250,000), for each deposit insurance ownership category.

For more information about FDIC insurance coverage of noninterest-bearing transaction accounts, visit