Holiday Hours

Holiday Hours

For “Regular Hours”, please visit the Locations and Hours section of our website: Hours can be viewed by clicking on the location name. For up-to-date openings and closing times, please contact our Customer Care Center at 1-800-359-8092.

Saturday, December 24 | Christmas Eve

Our Customer Care Center will be open Regular Hours from 8 AM to 2 PM.

Regular Hours
  • Bismarck
  • Elgin
  • Fessenden
  • Harvey
  • Killdeer
  • Staples
  • Watford City Branches
  • West Fargo
  • Williston Cashwise (8 AM to Noon)
  • Williston Plaza (8 AM to Noon)
Regular Hours (Drive Through Only)
  • Fargo North
  • Fargo South
  • Fargo Southwest
  • Gilbert, AZ
  • Minot Branches
  • Moorhead

Sunday, December 25 | Christmas

All Branches Closed

Monday, December 26 | In Recognition of Christmas Day

All Branches Closed

Saturday, December 31 | New Year’s Eve

Our Customer Care Center will be open Regular Hours from 8 AM to 2 PM.

Regular Hours
  • Bismarck
  • Elgin
  • Fargo North
  • Fargo South
  • Fargo Southwest
  • Fessenden
  • Harvey
  • Killdeer
  • Moorhead
  • Rugby
  • Staples
  • Watford City Branches
  • West Fargo
  • Williston Cashwise (8 AM to Noon)
  • Williston Plaza (8 AM to Noon)
Regular Hours (Drive Through Only)
  • Gilbert, AZ
  • Minot Branches

Sunday, January 1 | New Year’s Day

All Branches Closed

Monday, January 2 | In Recognition of New Year’s Day

All Branches Closed

Merry Christmas and Happy New Year from all of us at First International Bank & Trust!

Holiday Fraud Trends

This year is expected to be one of the highest online shopping years ever. With the ease of being able to shop at home on your couch, consumers are realizing there is no need to face busy crowds and wait in long lines when you can order virtually every gift online.

With this in mind, here is what you need to be cautious of:

  • Click Here Emails: Be careful with emails that state you are being given a holiday
    gift or free gift from a popular merchant – similar to the one on the right. Beware of the ‘Click Here’ catch.
  • click-here-scamAmazon Email Scam: Be cautious of emails you receive from Amazon that say your account is about to expire and your account will be de-activated if you don’t follow the provided steps.
  • Bargain Shopper: If you are a bargain shopper, make sure to check online for reviews on Google or the Better Business Bureau. Type in the seller’s name/business with “scam” and see if it checks out.
  • Gift Cards: If you are purchasing gift cards for that hard to buy person, make sure to check the back of the card to verify that the area with the protective scratch-off hasn’t been tampered with.
  • Charity Giving: The holidays bring out the warm side of people and the desire to spread holiday cheer. If you decide to donate to a charity, make sure it’s one that you are familiar with. Research before donating.

When shopping online, you can follow these steps:

  • padlockOnly provide card or account details on secure websites when checking out. Look for the padlock symbol (see example on the right).
  • Use PayPal to check out, if possible.
  • Always keep your device’s security software up-to-date.
  • Check account statements and report any suspicious transactions immediately.

Happy holidays and safe shopping!

Cyber Security: Threats, Prevention & Education

Stop. Think. Connect.

Did you know that October is National Cyber Security Awareness Month (NCSAM)? This is a month to raise awareness about protecting yourself against security threats, and staying safer and more secure online. Take this opportunity to raise awareness by educating yourself, your family and your friends.

Current Threats

As cyber security threats continue to grow in quantity and sophistication, it is critical that we remain educated on the latest attack methods and scams. Recent threats include social engineering, impersonating calls, email phishing and ransomware.

Impersonating calls are becoming more common and have included fraudsters pretending to be the IRS, the lottery saying you have won, the authorities saying they have a warrant for your arrest, or even vendor who have ‘detected’ a threat on your PC. If you receive a call, Stop, Think and Take Action. These sources would never call you regarding this information, how would they have known your phone number, and if it sounds too good to be true it probably is. Never visit a website as instructed over the phone, and don’t let them access your computer.

Email phishing themes can include invoices, past due messages and even an announcement of a tragic event, such as the death of a loved one.

Ransomware is when the files on your PC or mobile device are encrypted and held for ransom. Avoid ransomware by being proactive; patch all software on your devices as updates are available, remain on current operating systems and practice safe web browsing and email processing habits.

Prevention Steps

Taking preventive steps will help to protect your personal devices and information.

  • Patch your PC and mobile device Operating Systems
  • Patch all software on your PC and remain on current versions
  • Utilize anti-virus and make sure it is current
  • Practice safe web browsing habits
  • Create backups of sensitive information in order to avoid loss due to ransomware.
  • Use unique passwords on various websites:
    • Unique: Use different passwords between systems. A compromise of one system doesn’t place access to another at risk
    • Strong: Avoid dictionary words which are easily guessed or cracked. “Fall2016” is a very weak password!
    • Long: Long passwords are harder to guess and crack

Having layers of protection helps to protect your systems. Stop, think and consider your actions on a mobile device. Consider, do you have the same security controls as you have in place on your PC?

Educate Family

We often allow children to utilize our devices. This may place the devices at risk. The Internet can be a dangerous place for children. Learn how to protect them! Enable web browsing protection ( and talk to your children about the dangers of the internet (

Additional Resources

Live First: Shop Simple with Apple Pay®

Now Available: Apple Pay for First International Bank & Trust Debit and Credit Cards

Welcome to a New Way to Pay!

Apple PayWe are excited to announce that we are now offering Apple Pay® with your First International Bank & Trust debit or credit card. Use Apple Pay to change the way you pay! It’s easy, secure, private and works at thousands of stores and participating apps. To see a complete list of Apple Pay merchants, click here.

Apple Pay allows you to make payments for goods or services directly from your mobile device, without having to provide card information at each transaction. Once you add and verify your FIB&T debit or credit card information on your device, you will be ready to make secure payments with Apple Pay.

Why Use Apple Pay?

Ever find yourself digging through your purse for your wallet? Have you gotten to the checkout line and realized you’ve forgotten your credit card at home? Let Apple Pay relieve those frustrations by paying in-store using just your phone! It’s easy, confidential, safe and reliable.

  • Simpler Payments | Hold your phone near an NFC reader and approve with your fingerprint or passcode.
  • Greater Privacy | Apple will not track your transactions and store that data.
  • Safe & Secure | Transactions are made without using card details, which reduces the chance of fraud. With Apple Pay, the device account number, along with a transaction specific dynamic security code is used to process the payment.
  • Better Experience | Apple is known for their exceptional user experiences, and Apple Pay doesn’t disappoint.

Pay with a Single Touch.

Rest easy. Apple Pay transactions are authorized with TouchID® thumbprint security or your passcode, and transactions never use your card number.

It’s a snap to get started

  1. Make sure your iPhone, iPad Air or iPad mini is running the latest version of iOS.
  2. Add your First International Bank & Trust debit or credit card to Apple Pay by opening Passbook® on your mobile device.
  3. Using iSight® camera, capture an image of your First International Bank & Trust
    card or type your information in manually.
  4. You will be prompted to call First International Bank & Trust to verify your
    card with Apple Pay.
  5. You’re ready to go! Use it within apps or hold your device near a contactless
    reader with your finger TouchID.

Look for these icons at checkout:

Apple Pay Logos




Looking for more information?
For more information on Apple Pay, including a list of FAQs, click here.

Apple, the Apple logo, iPhone, iPad Air and Passbook are trademarks of Apple Inc., registered in the U.S. and other countries. Apple Pay, iPad mini, Apple Watch, iTunes and Touch ID are trademarks of Apple Inc.

First International Bank & Trust does not charge a fee for the use of Apple Pay or First International Bank & Trust Mobile Banking. If you do not already have a data plan with your wireless service provider, normal data rates will apply.

NEW: iPhone and Android Mobile
App Enhancements

Our iPhone and Android Mobile Banking app enhancements continue with the newest, widely anticipated Instant Balance feature.

On Wednesday, July 13 you will be able to update your FIB&T iPhone or Android app to view:

  • Instant Balance Feature. Allows you to enable the feature to view the balance of up to six of your accounts without having to log into your app.
    Questions on this feature? Click here for more info.
  • View the What’s New? Tutorials. Going forward, you will learn about our apps new feature deployments when they happen with in-app notifications, including the Instant Balance feature in this release.

Haven’t downloaded the iPhone or Android apps yet? There’s no better time than now.


Recent updates include:

  • Remember Me Login. Allowing multi-user logins (similar to our iPad app); you will now have the ability to log in with different sets of credentials, thereby accessing different sets of accounts.
  • New and Improved Design. Sleek and modern user interface with a fast, touch-optimized workflow for key tasks, including paying bills and sending money to friends & family.
  • Increased Mobile Check Deposit Limits. Standard limits for all users is $2,500/check and daily limit. Don’t see the ‘Deposit’ icon in your mobile app or need a different limit? Contact us today to request a different limit today.
  • Custom Links. Stay up-to-date on the latest FIB&T information, and utilize quick tools, such as Forgot Password and auto insurance quotes.

Sneak peak coming soon…

  • Touch ID
  • Enhanced push notifications
  • Snap-to-Pay

Questions? Give us a call at 1-800-359-8092.

Instant Balance Q&A

Is the Instant Balance feature secure?

Yes, this feature offers the same security as text banking. Account numbers are fully masked and no sensitive data is transmitted through enabling this feature. You cannot complete any transfers or bill payments through this feature, you can simply see your balances.

Can I enable the Instant Balance feature on all of my FIB&T accounts?

You will be able to select up to six of your checking and savings accounts, loans, CD’s or lines of credit to see with Instant Balance.

What if I have more than 6 high transaction accounts I want to see quickly?

Ask us about how to see these account balances through text banking.

What if I don’t want to turn this feature on today? Can I turn it on later?

Absolutely! As the user, you have the control to turn this feature on or off through the ‘More’ option when logged into your app. Simply click on the ‘Instant Balance Settings’ to change your option.

First International Bank & Trust
Member FDIC
Equal Housing Lender