Remote Deposit Capture is a fast and convenient check deposit product that utilizes a small tabletop scanner in your own office to deposit checks into your bank accounts electronically.

By essentially bringing the teller window to you, you can virtually eliminate unnecessary trips to the bank, saving you money in gas and wages.

Mailing your deposits in? No more envelopes, postage or having to depend on mail delivery to receive credit for your deposits, therefore also saving you time. With Remote Deposit Capture, you no longer need to endorse the back of each deposited check and no more filling out deposit tickets.

There’s no “per check” key entry as CAR/LAR technology is performed by reading and recognizing both numeric and written dollar amounts.

Later deadlines allow you to make deposits when it’s convenient for you and still receive same-day credit.

It’s safe and secure web-based with only basic computer requirements, with access to images of the deposited checks at your fingertips. You can also take yourself out of the check collection business with Check Collect and not only receive notice of returned checks sooner, but also receive 100% of face value of every check collected – not just a percentage.

1-800-BNC-BANK
(1-800-262-2265)
322 East Main Avenue
Bismarck, ND 58501
Phone: (701) 250-2200
www.bncbank.com

Turning over a business, whether to children or someone else, can be an exciting and stressful time for the business owner.

What is needed is called a business succession plan and the value and legal structure of the business, as well as your time frame, can dramatically effect what this plan will look like once completed. Also the ability and desire of the person receiving the business is a factor.

The first step in drafting the plan is to assemble your team. This should include your attorney, CPA and financial planner. Together the team can begin to value the business, which usually involves a specialized appraisal.

After a proper value is determined, many small businesses have used incorporation or a Family Limited Partnership (FLP) to accomplish handing over the business. Either form can establish voting and non-voting shares or interests.

The business owner can then gift or sell the non-voting shares or interests to the receiver at a pace that is efficient for both the tax considerations and the training of the receiver who is to assume control of the business.

Special note: If you are gifting rather than selling, make sure the children really WANT the business. You’ve worked too hard to turn over these assets to a less-than-willing receiver..

1-800-BNC-BANK
(1-800-262-2265)
322 East Main Avenue
Bismarck, ND 58501
Phone: (701) 250-2200
www.bncbank.com

You really want a bank that offers a diverse range of products and services and is on the leading edge of technology. At BNC National Bank we provide two “must have” products for our business owners. These areWealthManager Cash Management and Remote Deposit Capture.
WealthManager Cash Management provides :
ACH Origination
Wire transmitting
Positive Pay Fraud Protection
Real time secure access to all your bank accounts
Remote Deposit Capture helps businesses:
Receive funds faster
Eliminate daily runs to the bank
Find out about returned items quicker
Improves efficiency and profitability

If you have any questions about these or other products you can contact me at 701-250-3017 or lmowder@bncbank.com.

1-800-BNC-BANK
(1-800-262-2265)
322 East Main Avenue
Bismarck, ND 58501
Phone: (701) 250-2700
www.bncbank.com

By meeting at least twice a year you have the opportunity to communicate with your business banker about your current and future needs and challenges. These meetings not only serve to build this professional relationship but allows for review of your current business finances and how it relates to the current economic conditions and the local economy.

In this day and age it is easy to complete most financial “transactions” electronically and without interaction with an actual person. Thus, these quarterly conversations are necessary so you know you are utilizing the financial tools in place to assist your business and keep good communication flowing between you and your banker.  

1-800-BNC-BANK
(1-800-262-2265)
322 East Main Avenue
Bismarck, ND 58501
Phone: (701) 250-2700
www.bncbank.com

There are number of reasons for an employer to offer a 401(k) plan to employees, these include, but are not limited to:
• The ability to attract and retain qualified employees;
• Improve morale and employee satisfaction, thereby improving productivity;
• Means of providing a visible and appreciated retirement benefit to employees;
• A real opportunity to participate actively in saving for retirement on a pre-tax basis and allowing employees to take some responsibility in growing their own retirement savings;
• The option for a discretionary match that could be tied to company strategic compensation objectives;
• The Employer receives tax deductions for the contributions that are made to the Plan by the Employer along with applicable
expenses;
• Possible tax credit for a first time 401(k)
sponsor.

1-800-BNC-BANK
(1-800-262-2265)
322 East Main Avenue
Bismarck, ND 58501
Phone: (701) 250-3000
www.bncbank.com

Banking patrons enter a grand foyer at BNC National Bank in downtown Bismarck. That foyer is a financial resource. Their individual bank patrons can find the finance information or the mentoring they require regardless of the depth of their need.”Our receptionists greet customers as they walk through the doors of BNC,” marketing president Jerry D. Renk said, “Attentive to the varying needs of each customer, they guide individuals to those areas of specific need.”

BNC stands on the belief that quality customer service is an essential baseline to any business. Employees recognize the need to provide this level of excellence in addition to taking it “to the next level”, by making an impact on each client.

Experienced loan officers with flexible rates and bankers who care about client’s businesses define BNC National Bank.

BNC’s staff becomes focuses on each individual person or business, learning every aspect of the business. As banking counselors, they find financial components and resources for every need. No matter the business, those seeking commercial lending advice or financing will find a team approach with this banking group. BNC partners with each business to provide cutting edge banking technology as well as customized service.

“It’s all about presenting an expert team – not merely a lending team – to the community,” Renk said.

Co-founded in 1990 by two successful businessmen, (Greg Cleveland and Tracy Scott), BNC National Bank began as a community bank with customized commercial banking services for the small to mid-sized business. Offering commercial lending and commercial real estate lending which build upon long-term banking partnerships, BNC differentiates and customizes solutions – as opposed to cookie-cutter business – found in other banking institutions offering minimal choices.

Rather, they have created a dynamic banking approach to lending by developing a proprietary pricing model for individualized customer relationship building. Customers’ loan pricing is based upon the number of multiple relationships they maintain with BNC. The more relationships, the deeper the discounts – the greater the efficiency in their business operation.

Appropriately, BNC’s vision statement reflects the partnered relationship with their clients or the community as a whole: Delivering financial solutions business people demand.

It’s not a statement for employees to take lightly. So much a part of who they are – of the ideals they represent – they’ve inserted two critical words to this statement. Trusted advisors.

Internally, the statement is fondly referred to as: Trusted advisors delivering financial solutions business people demand.

This gives BNC a convincing identity from within. Staff focuses on personal banking issues as well as delving into helping businesses grow. Having learned a multitude of businesses by way of working as a consulting team, the employees possess a wealth of knowledge. This team then works as advisors or consultants – relied upon for finding those banking solutions.

No matter the stage of the business, it’s this level of expertise a business owner seeks from a financial institution. It’s for those small business owners who’ve found a product or service niche needed in the community. From considering the viability of the business to the formulation of a business plan, an array of people are embedded within to recognize the needs of this customer and to serve them.

BNC is also for those business owners prepared to grow their business, ready to forge ahead with a management team or hire additional employees. For those established businesses needing to plan for tomorrow’s business. Sell the business? Pass it to another generation?

“When a company becomes large enough to establish a CEO – one person providing direction – it may be time to begin trusting portions of the operations to other people,” Renk said. “Small business owners are assigned a team which provides a personal banking representative, a commercial lending representative, and a wealth manager – with one of these representatives leading the relationship.” Additionally Renk said BNC has certified financial planners, certified trust advisors, 401k experts, and retirement fund advisors on staff.

Further, the bank maintains several other divisions, including a retail department and an accounting department. They also operate a human resources department and house their corporate offices in the Bismarck location.

Staffing nearly 100 employees, this firm finds it essential to create joy in the workplace. A dedicated celebration committee arranges ‘hoopla’ celebrations honoring career benchmarks or career coursework. Meeting every six weeks for a themed breakfast event or coffee and donuts – they keep morale high.

For the staff, it’s this focus on company wins and bolstering morale that conveys a positive message to the community.

A registered bank holding company, BNCCORP, Inc. offers a variety of financial products and services. Since financial needs vary among clients, this relationship-driven company continually develops specialized resources for ever-changing needs.