Bremer Bank Review: Regional Banking With Flexible Account Options
Written by
Karen Doyle
Edited by
Elizabeth Constantineau, CFHC
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Free financial plan and insurance evaluation included with every Bremer checking account.
Bremer Bank was a long-standing community bank serving Minnesota, North Dakota and Wisconsin, known for personalized, relationship-driven service.
Bremer Bank operated throughout Minnesota, North Dakota and Wisconsin and offered a wide range of financial products, including checking, savings, certificates of deposit (CDs), mortgages and loans. In October 2025, the bank transitioned into Old National Bank. This review walks through Old National’s current accounts and Bremer Bank’s former offerings to help you compare your banking options.
Old National Bank Overview
Old National Bank has over $71 billion in assets and locations are in the Midwest and some parts of the Southeast. Bremer Bank customers will be pleased to know that Old National Bank offers checking and savings accounts, home, personal and auto loans, as well as business banking options.
Old National Checking Accounts
- Old National Bank offers five checking accounts, including Everyday, Student, Preferred, Classic and EZ Access.
- All checking accounts require a $50 deposit, except for the EZ Access account.
- The monthly service charges are waivable by meeting transaction and balance requirements.
Old National Savings Accounts
- Old National Bank offers three different savings accounts, including Basic, Savings and Select.
- All the savings accounts require a $50 minimum deposit.
- Annual percentage yields (APYs) based on your account balance are offered.
- Old National Bank offers CDs with a minimum deposit of $500.
- You can also open a money market account, Market Monitor, at the bank.
Now that you know what Old National Bank offers today, here’s a look at Bremer Bank’s account lineup prior to the transition.
Bremer Bank Checking Accounts
Bremer Bank offered different checking accounts so you could pick the one that suited you. Some earned interest, which is nice, and all of them came with a complimentary insurance evaluation and financial plan, helping you to take charge of your financial life.
Best For
Banking in Minnesota
Banking in North Dakota
Mobile App
Low Monthly Fees
Loan Options
Three Different Checking Accounts
Bremer Bank offered three checking accounts: Bremer Select Banking, Bremer Choice Banking and Benefit Banking. All Bremer checking accounts required a $100 minimum opening deposit and offered online and mobile banking and a debit card.
Fees
Waivable $3 to $10 monthly
APY
to
Min Opening
$100
Pros
- Interest-bearing accounts were available
- Easy to waive monthly fee
- Free financial plan and insurance evaluation included
Cons
- Couldn’t open accounts online
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Bremer Bank Savings Accounts
The Regular Savings account at Bremer Bank was a great account for those who didn’t need a lot of bells and whistles.
Best For
Banking in Minnesota
Banking in North Dakota
Mobile App
Low Monthly Fees
Loan Options
Min. Balance to Earn APY $50
Bremer Banks had a single savings account called Regular Savings, with some perks for those under 21. The interest rate on all balances was APY. Bremer Bank also offered a Health Savings account (HSA), which came with an APY up to .
Fees
$4 for customers over 21 years old
APY
Up to
Min Opening
$50
Pros
- Low minimum balance to avoid service fee
Cons
- Lower interest rates
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Bremer Bank CD Accounts
Bremer Bank CD accounts offered decent rates and came in a variety of terms.
Best For
Banking in Minnesota
Banking in North Dakota
Mobile App
Low Monthly Fees
Loan Options
Wide Variety of Terms to Choose From
Bremer offered CDs for terms ranging from a few days to 60 months. Interest rates varied depending on the term and the minimum balance, and went up to APY.
Fees
No monthly service fee
APY
to
Min Opening
$500
Pros
- Lots of terms and balances to pick from
- Low minimum opening deposit
Cons
- Higher interest rates available elsewhere
- You couldn’t open an account online
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Bremer Bank Money Market Accounts
The interest rates were good for Bremer money market accounts, but the balance requirement to get the highest available rate was a bit unrealistic.
- The Money Market required a $1,000 opening deposit and offered to APY, depending on your balance.
- The Money Market Premier required a $10,000 opening deposit and offered to APY, depending on your balance. With this account, you needed to have a balance over $7.5 million to qualify for the highest rate.
- The Money Market Reserve required a $100,000 minimum opening balance and paid to APY, depending on your balance.
Best For
Banking in Minnesota
Banking in North Dakota
Mobile App
Low Monthly Fees
Loan Options
Three Types of Accounts
Bremer Bank offered three money market accounts, the Money Market, the Money Market Premier and the Money Market Reserve. The one you picked likely depended on your opening deposit. The higher your balance, the higher your interest rate.
Fees
$10 to $25 monthly
APY
to
Min Opening
$1,000
Pros
- Different options for different needs
Cons
- Balance requirements for higher interest rates were very high
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Banking Experience
Mobile App
The Bremer Bank mobile app experience varied depending on what type of device you had. The app had a rating of 4.8 stars on the App Store, but just 3.7 stars on Google Play.
An upgrade to the app required that you sign in each time, rather than saving your credentials, which was a pain point for many users. The security features did not work as designed, and it was challenging to get into the app. The app also lacked financial planning features that allowed users to budget and track spending.
Customer Service
Bremer had great in-person customer service, with many reviews noting the personalized service that customers receive.
Comparable Community Bank Options
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
Waivable $3 to $10 monthly
$0 or $12, with options to waive
$0 to $10
APY
APY
APY
to
N/A
N/A
Min Opening
Min Opening
Min Opening
$100
$0
$50 to $2,500
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
$4 for customers over 21 years old
$5 monthly, waivable
$0 to $10
APY
APY
APY
Up to
Up to
Min Opening
Min Opening
Min Opening
$50
$0
$0 to $50
SELECTED BANK
MOST COMPARABLE
MOST COMPARABLE
Fees
Fees
Fees
No monthly service fee
No monthly service fee
No monthly service fee
APY
APY
APY
to
Up to
Min Opening
Min Opening
Min Opening
$500
$1,000
$1,000
Bremer Bank vs. Sunrise Banks
Sunrise Banks offers many of the same products and services that Bremer Bank did, and interest rates are a bit higher. Sunrise Banks is a proponent of what it calls “ethical banking,” which means they invest in the local community and offer net-zero financing for energy-efficient projects.
Bremer Bank vs. Merchants Bank
Merchants Bank offers a similar menu of products and services to what Bremer Bank had, plus a special accounts for military families. Interest rates for checking, savings and CD accounts are slightly higher at Merchants Bank.
Bremer Bank vs. Community Resource Bank
If you’re looking for a community bank where you can have all your accounts in the same place, and you don’t mind having to go to a branch to open those accounts, Bremer Bank is a good choice for you.
Final Take
With Bremer Bank now part of Old National Bank, customers gain access to more account options and a wider network. Old National offers a convenient, full-service banking experience for regional customers.
Bremer Bank FAQ
- Does Bremer Bank have digital banking?
- Bremer Bank had online banking, a mobile banking app with remote deposit and automatic bill payment. Bremer Bank customers could use Zelle to transfer money to friends and family electronically.
- What is Bremer Bank’s mobile deposit limit?
- Bremer Bank customers could deposit a total of $10,000 per day by mobile deposit. There was also a maximum of $25,000 that could be deposited over a 5-business-day period.
- What is the wire cut-off time for Bremer Bank?
- The wire cut-off time for an outgoing wire transfer from Bremer Bank was 4:00 p.m. CST.
Rudri Patel contributed to the reporting for this article.
Editorial Note: This content is not provided by any entity covered in this article. Any opinions, analyses, reviews, ratings or recommendations expressed in this article are those of the author alone and have not been reviewed, approved or otherwise endorsed by any entity named in this article.
Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 5, 2025.
GOBankingRates analyzed the 100 largest banks by total assets, as well as select online banks with over $800 million in assets, to determine the Best Banks of 2026. Data was sourced from 2025 FDIC reports, along with a selection of leading neobanks. For savings and checking accounts, we chose only one product per category per institution. If an institution did not offer a given product, it was not scored.
For institutions with multiple checking accounts, we selected fee-free options or those with the lowest barrier to entry. If there were multiple fee-free checking accounts, we selected the account with the highest APY or the lower monthly fee. For institutions offering multiple savings accounts, we chose the account with the lowest monthly fee, provided it required a minimum deposit of $20,000 or less. If multiple savings accounts met these criteria, we selected the one with the highest APY.
All APYs were calculated based on the base APY being offered, achievable or both. To be deemed a “winner” in a product category (Checking, Savings, CDs, or Money Market Accounts), an institution needed more than $5 billion in total assets to demonstrate the ability to handle rising interest rates, exposure to commercial real estate and growing liquidity requirements.
To discover the Best Banks by state, GOBankingRates analyzed the top institutions (excluding online banks and neobanks) by state branch locations. To determine rankings, GOBankingRates looked at the following factors: (1) total assets as sourced from the FDIC; (2) checking product minimum deposit; (3) monthly checking fee ratio (percentage of the minimum to avoid fees compared to the monthly fee itself); (4) savings product minimum deposit; (5) savings product APY; (6) Bauer rating (out of 5 stars); (7) products/services offered (auto loans, mortgage loans, credit cards, investment services and insurance); and (8) the average mobile app rating between the Google Play (Android) and Apple stores. All factors were then scored and combined, with the lowest score being the best. Factors (1), (2) and (4) were weighed 0.5 times, factor (5) was weighed 2.5 times and factor (7) was weighed 1.5 times. All products and offerings had to be available as of Oct. 4, 2025, to be considered. Rates are subject to change; unless otherwise noted, rates are updated periodically. All other information on accounts is accurate as of Dec. 5, 2025.
To qualify as one of the Best Banks in the state, the institution needed at least five branch locations in the respective state, with some exceptions for larger and/or smaller states.
