Business Details
25 Years
experience
Your Trusted Community Bank for All Financial Needs
Choice Financial was founded in November 2001 through the merger of four local banks, united by a shared vision of community-centric banking. Our #PeopleFirst approach prioritizes local decision-making, personalized financial solutions, and deep community engagement. With over $5 billion in assets and 500 team members serving 20 locations across North Dakota and Minnesota, we combine the resources of a regional bank with the heart of a small-town institution. Our leadership team, rooted in the communities we serve, has earned recognition as a top-performing bank by S&P Global and the #1 agricultural lender in North Dakota.We specialize in commercial banking, wealth management, and fintech partnerships while maintaining a steadfast commitment to enhancing the economic viability of the communities we serve through initiatives like our Child Care Grant Program and #PeopleFirst Pantries. Our employees contribute over 7,000 volunteer hours annually, reflecting our core value of 'Better the places we live.' Through innovations like our virtual FedLine Direct connection and partnerships with fintech companies, we deliver modern banking solutions while preserving our community banking heritage.
Services
Commercial Lending
SBA Loans
Wealth Management
Agricultural Finance
Fintech Partnerships
Cash Management
Home Loans
Employee Benefits
Risk Management
Card Services
Details
- Year established: 2001
Highlights and features
- Local leaders make decisions tailored to community needs
- Recognized as #1 ag lender in North Dakota since 2011
- Offers free business education resources through Taking Care of Business Series
- Maintains 24/7 debit card support for customer convenience
- Employees contribute 7,000+ annual volunteer hours locally
Associations and certifications
- FDIC
- Equal Housing Lender
- SBA Preferred Lender
Services
Commercial Lending
Choice Financial provides tailored commercial lending solutions to support business growth. Our local bankers deliver quick decisions on loans for working capital, equipment purchases, and expansion projects. With deep expertise in agricultural and small business lending, we offer competitive rates and flexible terms to meet unique business needs.
SBA Loans
As a Preferred SBA Lender, we offer 7(a) and 504 loan programs with favorable terms. Our specialists guide businesses through the application process for startups, expansions, and real estate purchases. These government-backed loans require lower down payments and offer longer repayment terms than conventional financing.
Wealth Management
Our wealth advisors provide comprehensive services including retirement planning, estate strategies, and investment management. With access to Choice Wealth's expertise since 2002, we help clients grow and protect assets through personalized financial roadmaps aligned with their life goals.
Fintech Partnerships
Choice Financial partners with innovative fintech companies to expand financial access. Through collaborations with platforms like Current and Mercury, we deliver modern solutions including digital HSAs, accessible banking for underbanked populations, and virtual FedLine connections for efficient wire transfers.
Agricultural Finance
As North Dakota's top ag lender since 2011, we offer specialized financing for agricultural operations. Our products include operating loans, equipment financing, and deferred sales contracts tailored to farming cycles. Local agricultural experts understand regional challenges and provide responsive support during critical seasons.
People
Brian L. Johnson
Chief Executive Officer
Brian L. Johnson leads Choice Financial with over 25 years of community banking experience. He champions the #PeopleFirst philosophy while driving strategic growth initiatives. Under his leadership, the bank has expanded to 20 locations and achieved top rankings in agricultural lending.
Tim Heilman
Chief Innovation Officer
Tim Heilman spearheads digital transformation efforts at Choice Financial. With expertise in fintech partnerships, he has led initiatives like the virtual FedLine Direct connection and collaborations with Current and Mercury to expand financial access.
Jay Lies
Chief Banking Officer
Jay Lies oversees Choice Financial's core banking operations with a focus on customer experience. He ensures alignment between financial solutions and community needs while maintaining the bank's local decision-making structure.
Todd Watterson
Chief Financial Officer
Todd Watterson manages financial strategy and reporting for Choice Financial. He oversees capital planning and investment strategies that support sustainable growth while maintaining strong community ties.
Samantha Rinas
Chief Human Resources Officer
Samantha Rinas leads talent development at Choice Financial, focusing on creating a supportive workplace culture. She implements programs that align with the #PeopleFirst values through employee engagement and community volunteer initiatives.
Questions
What makes Choice Bank different from other financial institutions?
Our #PeopleFirst approach prioritizes local decision-making, personalized service, and community investment. We combine the resources of a $5B institution with the heart of a small-town bank.
Does Choice Bank offer online banking services?
Yes, we provide secure online banking for both personal and business customers. Enroll through our website or contact your Relationship Banker for business access.
What community initiatives does Choice Bank support?
We invest in childcare grants, food security through #PeopleFirst Pantries, hospice care events, and youth programs like BIO Girls. Our employees contribute 7,000+ annual volunteer hours.
Can I access 24/7 support for banking issues?
Our Debit Card Helpline operates 24/7 at (877) 865-1680. Business customers can contact the Cash Management Team during regular business hours.
What lending options are available for agricultural businesses?
As North Dakota's #1 ag lender, we offer operating loans, equipment financing, deferred sales contracts, and specialized programs tailored to farming and ranching needs.
How does Choice Bank support local businesses beyond traditional banking?
We provide free educational resources through our Taking Care of Business Series, including webinars on cybersecurity and employee benefits planning to support business growth.
