US Bank Directory
Banks in Watford City, ND
3 FDIC-insured banks operate 4 offices in Watford City, North Dakota, and 1 credit union has 1 office.
Source: FDIC BankFind, data as of September 5, 2026; NCUA call report as of March 31, 2026.
Bank branch map: Watford City
Banks sit at the coordinates in their FDIC record; credit union offices at their NCUA address, located with the U.S. Census Bureau Geocoder. Point at a marker for today's hours, tap it for the address, directions and the bank's site.
Short answer: 4 banks and credit unions operate 5 locations in Watford City, according to the FDIC and the NCUA. 5 of them have coordinates on record and are on the map. 1 publish opening hours.
Branches: FDIC, NCUA. Streets: loading.
5 locations on the map
Tap a cluster to zoom in
Positions are the regulators' own coordinates, or the Census Geocoder's point for the address, and can sit a few hundred feet from the door. Streets, buildings and parks come from OpenStreetMap through OpenFreeMap, with every street named as you zoom in; if that map cannot load, a simpler map drawn from the Census Bureau's TIGER/Line files takes its place. ATMs will follow with the Overture Maps import.
All banks and credit unions in Watford City
Sorted by number of local branches. Each branch shows where its hours and phone number come from.
Short answer: First International Bank & Trust has the most locations in Watford City, with 2. The other 2 each have a single office in the city. Open any bank to see each address, today's hours where the bank publishes them and the phone number.
First International Bank & Trust Bank · 2
First International Bank & Trust has 2 branches in Watford City, 19 across North Dakota and 28 nationwide. FDIC records list its main office in Watford City, ND and show it operating since 1910. With $6.18 billion in total assets on June 30, 2026, it ranks No. 244 of 4,232 U.S. banks by total assets. In FDIC branch records, its longest-running Watford City location is its main office at 100 N Main St, dating to 1910; the newest, at 313 Fox Hills Parkway North, to 2016. It does not publish hours in the sources this page uses; check its site before you go.
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Main Office main office100 N Main St, 58854
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Watford City Fox Hills Branch313 Fox Hills Parkway North, 58854
BNC National Bank Bank · 1
BNC National Bank has 1 branch in Watford City, 12 across North Dakota and 13 nationwide. FDIC records list its main office in Glendale, AZ and show it operating since 2001. With $1.05 billion in total assets on June 30, 2026, it ranks No. 1,013 of 4,232 U.S. banks by total assets. The Watford City Branch at 205 N Main St dates to 1926 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Watford City Branch205 N Main St, 58854
Cornerstone Bank Bank · 1
Cornerstone Bank has 1 branch in Watford City, 10 across North Dakota and 13 nationwide. FDIC records list its main office in Fargo, ND and show it operating since 1907. With $1.85 billion in total assets on June 30, 2026, it ranks No. 639 of 4,232 U.S. banks by total assets. The Watford City Branch at 106 8th Avenue Se dates to 2017 in FDIC branch records. It does not publish hours in the sources this page uses; check its site before you go.
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Watford City Branch106 8th Avenue Se, 58854
Dakota West Credit Union Credit union · 1
Dakota West Credit Union has 1 office in Watford City, 8 across North Dakota. It is based in Watford City, ND and $339.2 million in assets on March 31, 2026, according to its NCUA call report. Its published hours do not list Saturday.
Who can join: see the credit union's site.
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Main Office main office340 N Main St, 58854
All hours
Mon to Fri 8 am to 5:30 pm; Sat to Sun not published
Hours: NCUA, March 31, 2026
Join a credit union in Watford City
1 credit union has 1 office here: Dakota West Credit Union. Each office is listed above with the phone and the hours it filed with the NCUA (call report as of March 31, 2026). Who can join each one is on its own site; the credit unions in Watford City page has every office in the state's directory.
Banking in Watford City: the local picture
Short answer: 3 banks run 4 branches in Watford City according to the FDIC. A population estimate for this place is not available from the Census Bureau, so branches per resident are not shown.
Of the 3 banks, 1 has its main office in Watford City, 1 elsewhere in North Dakota and 1 out of state, according to the FDIC.
The bank with the longest record here is Cornerstone Bank, operating since 1907 according to the FDIC. In FDIC branch records, the longest-running branch is First International Bank & Trust's office at 100 N Main St, dating to 1910; the newest is Cornerstone Bank's at 106 8th Avenue Se, from 2017.
The only credit union with an office here is Dakota West Credit Union.
Of the 1 location with published hours. None open on Saturday. 4 locations have no published hours in these sources.
Saturday hours in Watford City
Short answer: None of the 1 Watford City location with published hours lists Saturday hours. 4 locations do not publish hours in these sources; call ahead.
Credit union hours are the text each credit union filed with the NCUA, call report as of March 31, 2026; a day the filing does not mention is shown as not published, never as closed. Bank branches show hours only where the bank publishes them in a source this page uses; 4 of the 5 locations here have no published hours yet. The source and date sit under each office. Banks and credit unions often close on Federal Reserve holidays; call ahead.
Chase, Bank of America and other national banks
Which big national banks have branches in Watford City, and where the nearest one is if they do not.
Short answer: No branches in Watford City: Chase (nearest in Fargo, 308 mi), Wells Fargo (nearest in Dickinson, 66 mi), Bank of America, PNC Bank, U.S. Bank (nearest in Williston, 29 mi), Truist, Fifth Third Bank, Huntington, Regions Bank, TD Bank, BMO (nearest in Dickinson, 68 mi).
| Bank | In Watford City | Nearest branch if none here |
|---|---|---|
| Chase | None | Fargo, 308 miles away |
| Wells Fargo | None | Dickinson, 66 miles away |
| Bank of America | None | none in North Dakota |
| PNC Bank | None | none in North Dakota |
| U.S. Bank | None | Williston, 29 miles away |
| Truist | None | none in North Dakota |
| Fifth Third Bank | None | none in North Dakota |
| Huntington | None | none in North Dakota |
| Regions Bank | None | none in North Dakota |
| TD Bank | None | none in North Dakota |
| BMO | None | Dickinson, 68 miles away |
Branch counts from FDIC BankFind as of September 5, 2026. Distances are straight-line miles from the center of Watford City to the nearest branch in North Dakota.
What your savings could earn
National benchmarks and the best published offers, from the Banrox Bank Rates tracker. Enter your own balance and rate to compare.
Short answer: At the national average savings rate of 0.38%, $10,000 kept in savings for a year earns about $38. The best published savings rate in the tracker, 3.75% at CIT Bank, earns about $375. The national average 12-month CD pays 1.71%.
| Offer | Bank | APY | Term | Minimum |
|---|---|---|---|---|
| Savings | CIT Bank | 3.75% | none | $5,000 |
| Savings | Barclays | 3.50% | none | $0 |
| Savings | Marcus by Goldman Sachs | 3.40% | none | $0 |
| CD | Synchrony Bank | 4.35% | 60 Months | $0 |
| CD | Marcus by Goldman Sachs | 4.35% | 24 Months | $500 |
| CD | American Express National Bank | 4.25% | 10 Months | $0 |
Rates are the banks' published APYs as tracked on the Banrox Bank Rates page, with the date next to each benchmark; they are not offers from Banrox and can change daily. Interest is before tax. The best offers are mostly online banks and are open to Watford City residents like anyone else.
Banks near Watford City
Nearby cities with at least two banks, by straight-line distance. Counts from FDIC BankFind.
Short answer: The closest towns with more choice are Williston (29 miles) and Killdeer (38 miles). Dickinson, 67 miles away, has the most banks nearby: 11.
| City | Distance | Banks | Branches |
|---|---|---|---|
| Banks in Williston, ND | 29 mi | 5 | 9 |
| Banks in Killdeer, ND | 38 mi | 2 | 2 |
| Banks in Stanley, ND | 55 mi | 2 | 2 |
| Banks in Dickinson, ND | 67 mi | 11 | 14 |
| Banks in Beach, ND | 70 mi | 2 | 2 |
| Banks in Crosby, ND | 77 mi | 3 | 3 |
| Banks in Beulah, ND | 79 mi | 3 | 4 |
| Banks in Hazen, ND | 84 mi | 2 | 3 |
Bank branch openings and closings in Watford City
FDIC branch records, between September 5, 2025 and September 5, 2026.
Short answer: FDIC branch records show no bank branch openings in Watford City between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Banks and credit unions based in Watford City
Short answer: 2 institutions have their main office in Watford City: First International Bank & Trust and Dakota West Credit Union.
| Institution | Type | Total assets, June 30, 2026 | Offices here |
|---|---|---|---|
| First International Bank & Trust | Bank | $6.18 billion | 2 |
| Dakota West Credit Union | Credit union | $339.2 million | 1 |
Banks: FDIC BankFind (community-bank flag and assets). Credit unions: NCUA call report.
Largest banks in Watford City by total assets
Ranked by each bank's total assets on its FDIC balance sheet, which covers the whole bank, not only its Watford City offices.
Short answer: First International Bank & Trust is the largest bank with offices in Watford City, with $6.18 billion in total assets on June 30, 2026, No. 244 among U.S. banks by total assets. Cornerstone Bank is second with $1.85 billion. 1 of the 3 bank is headquartered here. Local deposit shares will follow once the FDIC Summary of Deposits is imported.
| Bank | Total assets | Rank | Offices here | Main office |
|---|---|---|---|---|
| First International Bank & Trust | $6.18 billion | No. 244 | 2 | Watford City, ND |
| Cornerstone Bank | $1.85 billion | No. 639 | 1 | Fargo, ND |
| BNC National Bank | $1.05 billion | No. 1,013 | 1 | Glendale, AZ |
Total assets and ranks from FDIC BankFind as of June 30, 2026. Rank is among active banks that report total assets to the FDIC.
Banks in Watford City: FAQ
How many banks are in Watford City, ND?
Watford City has 3 banks with 4 branches and 1 credit union with 1 office, according to FDIC data as of September 5, 2026 and NCUA data as of March 31, 2026.
Which bank has the most branches in Watford City?
First International Bank & Trust, with 2. Cornerstone Bank has 1 and BNC National Bank has 1.
Is there a First International Bank & Trust in Watford City, ND?
Yes. FDIC data lists 2 First International Bank & Trust branches in Watford City as of September 5, 2026, the main office at 100 N Main St. Its branches are listed under First International Bank & Trust above, with the address and directions for each.
Is there a Cornerstone Bank in Watford City, ND?
Yes. FDIC data lists 1 Cornerstone Bank branch in Watford City as of September 5, 2026. The address and directions are under Cornerstone Bank above.
Is there a BNC National Bank in Watford City, ND?
Yes. FDIC data lists 1 BNC National Bank branch in Watford City as of September 5, 2026. The address and directions are under BNC National Bank above.
Is there a Chase in Watford City, ND?
No. FDIC data lists no Chase branch in Watford City as of September 5, 2026. The nearest is in Fargo, about 308 miles away in a straight line.
Which banks in Watford City are open on Saturday?
None of the 1 location with published hours lists Saturday hours. 4 locations do not publish hours in our sources; call ahead.
Which banks are headquartered in Watford City?
First International Bank & Trust and Dakota West Credit Union have their main office in Watford City, according to the FDIC and the NCUA.
What is the oldest bank in Watford City?
Cornerstone Bank has the longest record among banks with a branch here: the FDIC shows it operating since 1907.
Which credit unions can I join in Watford City?
Dakota West Credit Union has an office in Watford City. Check each credit union's membership rules before you apply.
Did any bank branches open or close in Watford City in the past year?
FDIC branch records show no branch openings between September 5, 2025 and September 5, 2026. Closings and relocations are not tracked by the sources this page uses yet.
Where can I find more banks near Watford City?
Nearby cities with more banks include Williston, Killdeer, Stanley. Williston is 29 miles away with 5 banks.
How we build this page
Every figure above comes from one of these sources. Nothing is typed by hand, nothing is estimated.
| Data | Source | License | Updated | Data as of |
|---|---|---|---|---|
| FDIC-insured banks: branches, main offices, total assets, dates established | FDIC BankFind Suite API | Public data (U.S. government) | Monthly import | Sep 5, 2026 |
| Credit union offices, phones and hours as filed with the NCUA, total assets | NCUA call report data | Public data (U.S. government) | Quarterly import | Mar 31, 2026 |
| Map coordinates of 1 credit union offices whose NCUA record has none, from the office address | U.S. Census Bureau Geocoder | Public data (U.S. government) | With each NCUA import | Oct 19, 2026 |
| Savings and CD rates, national averages | Banrox Bank Rates | Banrox, from the banks' own rate pages and FDIC national rates | Weekly | see each rate |
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