Red River State Bank Halstad, MN 56548
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IRA
It is never too late to start saving for an Individual Retirement Account!


We offer a variety of Individual Retirement Account investing plans - from traditional IRAs to Roth IRAs and Education IRAs.  Traditional IRAs let you invest pretax dollars, providing possible tax benefits throughout your income-producing years.  Roth IRAs, while not tax-deductible, allow you to make qualified, tax-free distributions.  Education IRAs let parents, grandparents or other family members, friends and even children contribute up to $2000 per year (limits have increased) towards the child's education.  Please talk with us about which type of IRA best suits your investment needs and goals.

Different eligibility requirements for each type of IRA

Different tax benefits for each type of IRA

Please discuss eligibility and tax benefits with your tax advisor

 

DEBIT CARDS
Debit cards have revolutionized banking, making it easier than ever to make purchases and obtain cash.  Use your Red River State Bank debit card wherever Mastercard is accepted.  Purchases are deducted directly from your checking account, without all the check-writing and ID-verification hassles.  Your monthly bank statement will include all the details of your debit card transactions.  Your debit card also doubles as an ATM card useable anywhere around the world.   This enables you to withdraw cash, transfer funds or simply check your account balance whenever and wherever you like.

 

Please handle your debit card with the utmost of care.  Do not keep your PIN number with your debit card.

 

If you find your debit card has been lost or stolen please notify us immediately.  The sooner we are notified the less likely fraudulent activity can occur on your account.  You can call us at 800-472-1754 during our business hours.  If you discover the loss or theft after hours please call 1-800-383-8000.


GIFT CARDS
The Gift Card from Red River State Bank combines the world class buying power of Visa with the local convenience of Red River State Bank. It gives flexibility because it recipients can buy what they want, when they want-whether shopping online, in person, or by phone. It provides protection as its safer than cash, it can be replaced if lost or stolen, and it provides the protection and security features you receive from Visa.

  • Works like a gift certificate but can be used anywhere Visa is accepted
  • Any amount of cash between $10 and $500 can be loaded on the card
  • Track balances online and register for added theft protection
  • Packaged with a gift holder and envelope
  • A $4 set-up fee per card applies

TRAVEL CARDS
A Visa prepaid travel card is a convenient alternative to traveller’s cheques and holiday cash.

Just like traveller’s cheques and cash, you can generally buy a travel card in a range of currencies, and you can set aside a specific amount of money to spend on your holiday.

The difference is that you can use a Visa prepaid travel card at tens of millions of shops worldwide, and you can withdraw local currency from more than a million ATMs.

So it’s very convenient. It’s also very safe. If your card is lost or stolen, the remaining value can be blocked and refunded. Emergency assistance is available to provide a replacement card or cash wherever you are.

  • Easy – you can buy a travel card from a growing range of banks or travel agencies and use it around the world
  • Flexible – travel cards are generally available in a range of currencies and denominations
  • Secure – a travel card is completely separate from your bank account and, if it’s lost or stolen, your money is protected


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