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Credit is the key to affording the things you want. But before you borrow, it's good to understand how the credit process works. We'll show you how a bank charges for loans, what type of loans are available and how to calculate the right loan for you. Serving the credit needs of our area, ND, AZ, SD, MN, and MT, is a primary goal of First International Bank & Trust. First International Bank & Trust is firmly committed to serving the banking needs of the communities in which we do business. Whether your need is personal, business, or farm, you will receive personal professional attention.

Personal Loans
  • Auto
  • Vacation
  • First Plus Line of Credit
  • Recreational Vehicles
First Reserve
Overdraft protection line of credit attached to your checking account.
  • Available on all checking accounts to qualified applicants.
  • No interest is charged until date of advance.
  • Automatically advances increments of $1000 or remaining available credit into your checking account when needed.
  • Automatically deducts monthly payments from your checking account 24 days after your monthly statement generates.
  • Payment amount based on outstanding balance of loan.
  • A First Reserve Loan may be advanced automatically each time your account is overdrawn by writing a check, ACH, Point of Sale, or ATM transaction, telephone transfer, on-line banking transfer or in-person withdrawal.
  • How Finance Charges are Calculated
  • Statement of Billing Rights
Mortgage Loans
  • Purchase, refinance, construction
  • Conventional
  • FHA
  • VA
  • First time home buyers
  • Rural Housing Development
Home Equity
  • Open End Credit
  • Closed End Credit
First International Bank & Trust makes loans without regard to race, color, religion, national origin, sex, handicap, marital status, age, receipt of public assistance income, or an applicant's good faith exercise of any rights under the Consumer Credit Protection Act.
Property For Sale
Property For Sale >
Check out the properties we have for sale.
Export Transactions
Export Transactions >
First International Bank & Trust now offers the ability to download account information into Quicken® and QuickBooks®.
First International Bank & Trust © 2014
100 North Main
Watford City, North Dakota 58854
Equal Opportunity Lender
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