Founded in 1919, BTC Bank is a large company with over 22 locations throughout Missouri and Iowa and over $900 million in assets. The company was founded passionately to provide community members with quality financial management tools while serving as a trusted community leader. They are an agriculturally minded company driven to serve the region’s unique needs through business and personal banking tools and loans.
A company committed to providing support and financial tools to its local, primarily rural communities, BTC is where customers get to know their bankers and bankers learn how to provide for the unique needs of their clients.
What is BTC Bank?
At BTC, clients and their needs are the most essential focus. The company provides in-person and digital banking, savings, investment tools, and personal real estate loans. It also connects businesses with digital banking resources, loans, and financial management tools. Notable, BTC is also affiliated heavily with agricultural loans, succession planning, equipment financing, and livestock financing. A well-rounded company, they also support the community in investment portfolio management and estate and trust administration.
How Does BTC Bank Work?
A traditional financial institution, BTC offers in-person banking at one of its 22 branch locations in Iowa. It is also possible to use online banking tools to manage all digital aspects of these accounts. Consumers have access to a debit card and ATMs throughout the region. To obtain a personal or business loan, consumers must visit a bank branch to complete the necessary documentation.
What Services Does BTC Bank Offer?
A full-service financial institution, BTC offers a range of services for personal and business use, with a strong focus on agricultural services.
Personal Banking Services
BTC provides complete personal banking services for its members, focusing on offering flexible and affordable checking and savings accounts. They also provide customer service in a personal manner, returning phone calls, getting to know their clients, and providing support in selecting financial products.
Personal services include:
- Checking accounts
- Savings accounts
- Personal BTC loan options
- Certificates of Deposit, IRAs, and HSAs
Business Banking Services
The bank is also a business supporting its communities, offering a range of resources to meet needs, including agricultural-focused loans to help local farmers and startups to manage the expenses of running their companies. Some of the services available include:
- Agricultural loans
- Business checking accounts
- Business loans
- Crop and PRF insurance
- CDAR Network and ICS
Agriculture Loans
A significant function of BTC Bank is to provide for the needs of their agricultural clients. They do this through a range of services, including:
- Business succession planning
- Business checking and savings accounts
- Crop and & PRF insurance
- Farm equipment financing
- Farm real estate financing
- Farm operating loans
- Livestock financing
Trust Services
With a focus on providing for all of their client’s needs, this bank also offers trust services, including estate and trust administration services and investment portfolio management.
What are the Advantages of Opening an Account with BTC Bank?
A noted company with more than a century of experience, BTC Bank is a reliable, supportive lender in the communities it services. They offer modern tools and resources, including digital banking, while keeping the costs as low as possible. They are an FDIC member.
What Makes BTC Bank Stand Out?
One of the ways this bank stands out is by providing its clients with harder-to-obtain loans, such as those for agriculture, including crop and livestock loans. They also couple these lending services with business management resources and succession planning. It is helping them to continue to meet the needs of their clients over the long term.
Who is BTC Bank Best For?
Those with a local branch near them may get the best out of this bank. They are also ideal for those needing agricultural business support, from buying real estate and livestock to managing crop insurance and succession planning.
Is BTC Bank Right for You?
Contact the company for a conversation to determine if a BTC loan or bank options are right for you. They offer personal service, which means they can help you learn if what they offer can fit your specific needs. This is an excellent choice for those who want a friendly, smaller bank to network with.
How to Get Started with BTC Bank
The company provides online tools for clients, but you’ll first need to visit the branch location to open an account. This process requires identification and an opening deposit. Most people will find that it also takes a few minutes to apply for a loan at the branch location.
