About Choice Financial

The bank that’s simply better.

Here’s the thing about banking: It should feel effortless and comfortable.

Sure, you may need to stop in for occasional guidance, face-to-face conversations or some weekend cash. Beyond that, however, a better bank should support your life and your money with convenience and there-when-you-need-us service.

Choice Financial stands apart. Formed in November 2001, we have 160 employees and assets of $660+ million. We offer:

Banking for people who desire big-bank products and services without big-bank frustrations. We offer products and services you’ll find through any financial services provider, but they’re fully local. Our team members share a commitment to customer service that’s driven by common-sense thinking. No gotchas, surprises or faraway decision-making.

Banking for people who believe that their bank should be available when – and where – they need it: Our products and services are delivered in a way that’s most convenient to you, whether you prefer to stop by our locations or rely on the anytime availability of our online services.

Banking for people who believe in their communities: Every day, we invest in community growth through staff volunteer opportunities, monetary donations and unique programs. Our Midwestern values are identical to yours.


View our Board of Directors (PDF)     View our Senior Management Team (PDF)

Our Vision


Your premier choice for financial solutions.



Our Core Values


Create personal and professional growth opportunities.

Better the places we live.

Respect ourselves and others.

Embrace change and encourage innovation.

Know when to ask for help and know when to offer help.

Smile, be helpful and be passionate.

Commit to our customers with undivided attention.

Keep everyone’s personal and financial information confidential.

Complete our work timely and accurately.

Seek and share knowledge.

Strengthen shareholder value.

Work hard. Do the right thing. Have a little fun!



Our History


Ever since we were formed, Choice Financial has remained true to our roots, our customers and our communities.

It began in November 2001 with the merger of four local banks with seven locations: Citizens State Bank Grafton-Petersburg (with locations in Grafton and Petersburg), First Capital Bank of North Dakota (with locations in West Fargo and Goodrich), First State Bank Langdon and Walhalla State Bank. Each was known for its strong history of community banking.

Choice Financial Group became our common name. It reflects your “choice” in partnering with large, distant financial institutions or hometown, friendly, diversified banks. You also have a choice of products and services and how they are delivered. We selected “Financial Group” to reflect our industry and our history as a group of successful banks.

A strong base of entrepreneurial, business-minded shareholders guides us in our vision for success. It’s an ideal approach as we expand our insurance, investment and mortgage services. At the same time, it allows us to expand our traditional and electronic banking services.

We’re a forward-thinking, stable company that remains locally owned. We’re built around long-term customer relationships, well-rounded products and services, and authentic community banking. And if we don’t partner with you already, we’re ready to serve your financial needs.