Frequently Asked Questions

We look forward to serving our customers and to providing up-to-date information to the investment community. In that light, we provide the following answers to frequently asked questions (FAQs).

How secure is my information I use online?

Your account information as well as applications and contact forms are encrypted from the beginning to the end of the process. You will notice a lock symbol in the lower right hand corner of your browser window which signifies the security id.

Is any of my information stored on my local computer for others to view?

Customer data is not stored on your local drive, the data remains on the banks host system at all times.

What is encryption and what level do I need?

Encryption rewrites the code in a way in that can be decoded later with the right key. Encryption employs a mathematical process for the key which is made up of a certain number of bits (ie..40-bit, 128-bit). The higher number of bits, the better the encryption. BNC's Online Banking encryption is set for 128-bit. All communication from you to the Online Banking system and from the system to you is encrypted using a maximum of 128 bits.

What if I forget my PIN?

Forgot your ID or PIN? Please call toll free at 1-800-305-5220 (x3017) to get re-activated or email us your request. We will be happy to assist you.

What are our drive-up hours?

The drive-up locations are available under our Branches & ATMs section of this web site. Choose your branch location to view the drive-up hours available.

	Where is BNCCORP's Stock traded?
	BNCCORP's common stock is traded on the PINK SHEETS OTC Market.
	What is the stock symbol and cusip number for BNCCORP's common stock?
	BNCCORP's stock symbol is BNCC and the cusip number is 055936 10 8.
	How does someone buy BNCCORP Stock?
	BNCCORP stock can be bought or sold through a stock broker, bank, or generally through a financial institution that provides brokerage services.
	Who is BNCCORP's transfer agent and registrar?
	American Stock Transfer & Trust Co., 59 Maiden Lane, Plaza Level, New York, NY 10038 (800-937-5449).
	How can I obtain information on BNCCORP's latest results?
	Our quarterly earnings releases may be obtained from our corporate web site (www.bnccorp.com).
	What are some examples of "community banking?"
	Community banking, in our view, consists of giving the customer personalized service versus institutionalized service. It involves assisting small and medium-sized businesses with complete financial consultation and advisory services in addition to providing them with traditional banking services. The same holds true for individuals-we provide a broad range of products and services that will assist them in achieving their financial goals.
	What are BNCCORP's competitive advantages?
	We have a highly competent staff with forward-thinking management. Decision-makers are within earshot of the front-line people. This availability feature results in prompt and efficient service to the customer. Because of our desire to accommodate the non-traditional banking needs of the customer, both staff and management maintain and entrepreneurial attitude.
	What banking trends are you seeing in BNCCORP's markets and how are you responding?
	The overall economy of North Dakota is healthy primarily due to the current strength of agri-business and the recent discovery of oil. The economy in Minneapolis, and surrounding areas, is steady. While the economy in Phoenix is lagging, it remains an attractive place to grow deposits.
	How does BNCCORP plan to compete as consolidation continues?
	As our smaller competitors merge into larger banks, BNC has more opportunity to operate in its market niche.

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