Bravera Bank
Effective October 9, 2023
Due to the upcoming merge of United Community Bank into Bravera Bank on October 9, 2023, your account(s) will be automatically transitioned and converted to the closest match possible in services and features with Bravera Bank. Below is a guide to your new account.
In addition, the routing number of Bravera Bank will be used (091310615). Current checks will continue to be honored at all locations.
If you are interested in a different account type following the conversion or did not receive your disclosure packet, call us at 701-839-3500.
Key Date Reminders
September 18, 2023
Debit Cards
If you have a debit card, you will receive a new card starting the week of September 18. You will need to start using this card beginning Monday, October 9, when your current card will no longer work.
October 6, 2023
Online & Mobile Banking
As a result of the merge, we will be conducting a system upgrade beginning at 3 p.m. on Friday, October 6 until the start of the business day on Monday, October 9. Online Banking will not be available during this time.
October 9, 2023
Account Conversion
Effective Monday, October 9, your accounts and online services will be officially converted to Bravera Bank. Debit cards can be activated and PINs can be set by calling 1-800-290-7893.
Account Conversion Guide
Consumer Checking Accounts
(GoGreen, Golden NOW, Platinum Club, Community Free, Perks Club, Community Advantage and United Checking Accounts for Individuals)
Consumer Savings Accounts
(Success Savings and Money Market Deposit Account, Prime Money Market and Jumbo Savings for Individuals)
|
Success Savings will
convert to
Simple Savings
|
Money Market Deposit Account and Prime Money Market Account will convert to
Money Market
|
Jumbo Savings will
convert to
Investors Advantage
|
|
|---|---|---|---|
| Free online and mobile banking |
✓ |
✓ |
✓ |
| Free bill pay |
✓ |
✓ |
✓ |
| Free eStatements |
✓ |
✓ |
✓ |
| Free debit card or ATM card | ATM card only |
✓ |
✓ |
| Minimum daily balance | $100 | $1,000 | $10,000 |
| Service charge | $5 quarterly service charge if minimum daily balance falls below $100 during statement cycle $1 service charge per transfer/withdrawal over 12 per quarter |
$10 monthly service charge if minimum daily balance falls below $1,000 during the statement cycle $1 service charge per transfer/withdrawal over 6 per month |
$20 monthly service charge if minimum daily balance falls below $10,000 during the statement cycle $5 service charge per transfer/withdrawal over 6 per month |
Business Checking Accounts
(Business Select Accounts)
|
Business Select Accounts
will convert to
Business Basics Checking
|
|
|---|---|
| Free online and mobile banking |
✓ |
| Free eStatements |
✓ |
| Free debit or ATM card |
✓ |
| Minimum daily balance | None |
| Up to 500 free items deposited each month |
✓ |
| Interest earned | |
| Benefits | |
| Fees |
|
Business Savings Accounts
(Business Savings, Jumbo Savings and Money Market Deposit Account for Businesses)
|
Business Savings will
convert to
Business Savings
|
Money Market Account will convert to
Business Money Market
|
Jumbo Savings will
convert to
Investors Advantage
|
|
|---|---|---|---|
|
Free online and mobile banking
|
✓ |
✓ |
✓ |
| Free eStatements |
✓ |
✓ |
✓ |
| Free debit or ATM card | ATM card only |
✓
|
✓ |
| Interest earned |
✓
|
✓
|
✓ |
| Minimum daily balance | $100 | $1,000 | $10,000 |
| Free withdrawals |
12 per quarter
|
6 per month | 6 per month |
| Fees |
|
|
|
Certificates of Deposit
There will be no changes to your Certificate of Deposit (CD) rate or terms due to the merge. We’re excited to announce enhancements, such as additions and upgrades to our CDs. Additions can be made on any CD between the terms of 3 to 18 months. There are no limitations on the frequency or timing of additional deposits, except no additions can be made in the last seven days before maturity. The minimum amount you can deposit is $1,000 and the maximum amount you can deposit is $100,000. The maturity date of this account will remain the same after additional deposits.
Upgrades to the interest rate on any CD between the terms of 19 to 60 months are available. The interest rate may be adjusted once during the first term at the customer’s request. The new rate will take effect the business day we receive the written request and will remain in effect until the end of the original term. The new interest rate will be the same as the current posted rate we offer on new CD accounts with the same term and minimum balance (if any) as the original CD. Contact us today at 701-839-3500 for more information.
Individual Retirement Accounts (IRAs)
There will be no changes to your Three Year Easy Start IRA rate or terms due to the merge.
Frequently Asked Questions
Can I still use my existing check blanks? Yes, you can continue to use your current check blanks. When it is time to re-order, you’ll receive new checks with Bravera Bank information on them. If you would like new checks right away, feel free to stop in and we’ll order them for you.
Will my account number change? No, your account number will stay the same with the exception of duplicate account numbers. If your account number was one of them, you will receive an additional letter to explain the change.
Will I have to change my Online Banking ID and password? Your user ID will remain the same. Your new password will default to the last four digits of your Social Security Number or Tax Identification Number. Upon initial login, you will be prompted to change your password using multi-factor authentication.
Will my Bill Pay accounts transfer over? Yes, all payees, scheduled payments and history will transfer over to your new Online Banking account.
Will my automatic loan payments and deposits still be made? Yes. There is no need to change any of your existing automatic loan payments or deposits. However, beginning October 9, 2023, if you are establishing a new payment or deposit, it would be beneficial for you to use the routing number for Bravera Bank (091310615).
Will you be open the same hours? Yes, our hours will not change.
Can I still call the staff in Burlington, Drake and Leeds to answer my account questions? Absolutely. Our same local, friendly staff is here to assist you with any of your banking needs.
Are loan decisions made local? Yes. Loan decisions will remain local.
How does this impact the community and our customers? This partnership will continue to provide local bank service to the Burlington, Drake, Leeds and Minot communities and the surrounding areas. Bravera Bank is a company of advisors that works directly to contribute to the financial stability and growth of every community in which it belongs. Bravera Bank embraces its commitment to its communities which is illustrated through financial contributions to community initiatives.