Why do credit scores differ?
Three major credit-reporting bureaus (Equifax, Experian and Transunion) and two scoring models (FICO and VantageScore) determine credit scores. Financial institutions use different bureaus, as well as their own scoring models. Over 200 credit factors may be considered when calculating a score, and each model may weight credit factors differently, so no scoring model is identical.
Ag Banking Team
Our South Dakota roots run deep, and so does our knowledge of agricultural banking. Speak to an Ag Banker to learn how we can help you today.
ACH Services
Simplify payroll and expense reimbursement, pay vendors, set up recurring payments, initiate wire transfers, and so much more. Our ACH services help you manage payments electronically, reducing overhead and costs.
Virtual Account Management
Virtual Accounts are a cost-effective means of centralizing and streamlining enterprise account management, simplifying account management while eliminating the need for a complex and costly network of physical accounts.
Positive Pay
Positive Pay is a powerful, affordable fraud management solution that helps detect fraudulent checks and ACH charges before they impact your business. Learn More about Positive Pay here.
Bill Pay - Personal
A FREE feature of Online and Mobile Banking, Bill Pay helps you avoid the hassle of sending paper checks by mail. Pay your bills in less time and track payment history in one, secure place through online or from your mobile device!