Payton Murray

Ag/Business Banker

Bank: 218.843.3656
Cell: 218.688.2192

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A First-Hand Understanding

With experience and education in livestock and crop production, Payton not only provides financial products and services, but also resources and education that benefit your operation. Payton prioritizes building long-term relationships built on trust, reliability, and shared success.

As someone who grew up in and studied agriculture, she has a firsthand understanding of the opportunities and challenges that drive our local ag community. Payton is committed to helping you reach your financial goals.

Areas of Expertise

Farm Ownership and Expansion
Livestock Operations
Real Estate & Equipment Purchases

Education and Professional Credentials

Bachelor of Science in Animal Science from University of Minnesota Crookston

The Rest of the Story

Payton enjoys getting to work in the community and surrounding area of where she grew up, and also appreciates having the ability to provide services to local farmers and community members.

Payton is currently Secretary/Treasurer of the Northwestern Stockmen’s Association, is a Greenbush Area Community Fund Advisory Member, and is a mentor for BIO Girls.

When she’s not hard at work or volunteering, you’ll find her helping out on the family farm, golfing, hosting and planning events, and reading.

Phone
218.843.3656

Location
157 2nd St S
PO BOX 189
Hallock, Minnesota 56728-0189
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Hours
8:30 am – 4 pm, M-F

Drive-Up
8:30 am – 5 pm, M-F

Night Depository & ATM

Drew Ness

Ag/Business Banker and Office Manager
Assistant Vice President

Bank: 218.784.7121
Cell: 701.430.9089

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Financial Expertise and a Commitment to Community

Drew’s passion for agriculture started on his grandparents’ farm west of Ada. He understands the challenges and rewards of farming and advises his clients and helps them make the best decisions for their farm operations and businesses.

Drew spent the first decade of his career exclusively in ag lending before branching out to also include commercial and consumer lending. He believes that clients are never a ‘one size fits all,’ and appreciates finding unique solutions to contribute to achieving their financials goals.

Areas of Expertise

Farm Ownership & Expansion
Financial Security & Protection
Equipment Purchase & Leasing
Commercial Real Estate

Education

Bachelor’s Degree in Finance – Minnesota State University – Moorhead

The Rest of the Story

With both sides of his family being from Ada, Drew had roots in the community even before marrying an Ada girl and settling down there. Everything revolves around agriculture in the Red River Valley, and Drew believes you’d be hard pressed to find a nicer population than the Ada area.

Drew is a Church Elder at Zion Lutheran Church and a Benedictine Living Community Board Member. In his spare time you’ll find him watching sports, hunting, fishing, and doing most anything outdoors.

Phone
218.784.7121

Location
201 E Main St
Ada, Minnesota 56510
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Hours

8:30 am – 4 pm, M-F

Drive-Up

8:30 am – 5 pm, M-F

Night Depository

Julie Nowacki

Julie Nowacki

Personal Banker

Bank: 218.745.4271
NMLS#: 757104

Send Julie a message

Apply for a Home Improvement Loan, Home Equity Loan, or Home Equity Line of Credit with Julie today!

Community Roots Planted Deeply Translate into Commitment to Client Service

Whether creating a song, a community, or a financial future, success is achieved note-by-note and piece-by-piece. As a lifelong resident of the community she serves, Julie Nowacki is committed to helping those in the community she calls home. With more than 30 years of experience in banking, she helps clients reach their financial goals.

Utilizing her knowledge of lending, retirement savings and convenience financial products, she helps clients build a path to meet their various financial needs.

Areas of Expertise

Mortgage lending
Retirement planning
Convenience suite of products and services

The Rest of the Story

Julie’s pride in her community shows in her involvement to enhance it. She serves as President of the North Valley Health Center governing board, Treasurer of the Warren Chamber of Commerce, member of the Warren Housing and Redevelopment Board, as well as a Board member of Friends of Godel Memorial Library.

She interacts with many community members in her professional and her volunteer capacities. Whether helping a young family secure their first home or charting a path for someone saving for retirement, Julie applies her knowledge of banking and the community to help clients reach their goals.

Julie is proud of the continued success of the community. She collaborates with others to generate progress. With deep roots as a lifelong resident of Warren, a penchant for the classic country music of George Strait and Patsy Cline, and a joy for singing karaoke, Julie knows a strong foundation and hard work bring results. She applies these same principles to help clients chart their financial future, while building a strong local community.

Phone
218.745.4271

Location
101 E Johnson Ave
Warren, Minnesota 56762
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Hours
8:30 am – 4 pm, M-F

Drive-Up
8 am – 4 pm, M-F

Night Depository

Kyle Page

Ag/Business Banker
Vice President

Bank: 218.281.3305

Cell: 218.791.8455

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A Broad Perspective on Agriculture

Kyle Page works with customers to provide a wide variety of agricultural and business solutions. Kyle’s well-rounded perspective on the needs of ag clients stems from his banking expertise, combined with his work on his family’s farm, his previous experience in the farm implement business, and his work as a field employee of the USDA Farm Service Agency. Kyle combines these unique perspectives to help you develop agri-business solutions.

Areas of Expertise

Ag lending
Business lending
Financial services

Education and Professional Credentials

Bachelor’s degree / Ag Systems Mgmt – University of Minnesota Crookston
RMA (Risk Management Association) – Agricultural Credit Analysis
Farm Service Agency – Guaranteed Loan Processing

The Rest of the Story

Kyle, who grew up on the family farm in the Red River Valley, brings a commitment to the Crookston community. Helping your neighbors is part of the region’s heritage.

Kyle serves on the Board of Directors for the Crookston Area Chamber of Commerce and is a member of a local farm commodity marketing group. That commitment to his community doesn’t go unnoticed. In 2010, Kyle and his spouse, Tiffany, were named Red River Valley Emerging Leaders for Polk County, Minnesota.

Phone
218.281.3305

Location
304 N Broadway
Crookston, Minnesota 56716
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Hours
9 am – 4 pm, M-W, F
9 am – 5 pm, Th

Drive-Up
7:30 am – 5:30 pm, M-F

Night Depository & ATM

Dan Paulson

Ag/Business Banker
Market President, Fosston
Senior Vice President

Bank: 218.435.1474

Cell: 218.289.3440

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Success is a Team Sport

Dan Paulson knows he doesn’t succeed unless you do. Dan develops long-term banking relationships with clients based on expertise, trust and mutual respect. As part of his clients’ team, Dan works with farmers, business owners and professionals, developing solutions to complex issues to help you reach your financial goals.

With more than 25 years of experience in financial serivces, Dan uses his expertise to develop financial solutions for his clients.

Areas of Expertise

Advising Ag, Business and Individual clients
Ag Production and Real Estate lending
Ag and Business Acquisition and Expansion
Ag and Business Construction lending
Ag Financial Analysis and Cash Flow planning

Education and Professional Credentials

Bachelor’s degree / Agricultural Economics – North Dakota State University

The Rest of the Story

Whether it’s serving his clients or promoting his community, Dan’s team approach results in success. He’s recruited and developed an effective financial team, leading them to develop relationships that serve clients and the community. Such dedication doesn’t go unnoticed. Dan is a recipient of the “Fosston Person of the Year” award. He has led the Fosston banking location of American Federal to three annual Team Builder titles and is a seven-time top American Federal Sales Star, including twice being named the top overall Sales Star in the Ag and Business Banking division.

When not working, Dan loves to fish, hunt, farm, follow his favorite sports teams and spend time with family.

Phone
218.435.1474

Location
209 Johnson Ave N
Fosston, MN 56542
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Hours
9 am – 4 pm, M-F

Drive-Up
8 am – 5 pm, M-F
Night Depository & ATM

Ryan Paulson

Ag/Business Banker
Vice President

Bank: 218.435.1474
Cell: 218.431.0511

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Versatility Provides Options to Help Clients Plan for the Future

Rather than having limited choices to plan for your financial future, an advisor with a broad range of skills and knowledge can help you develop a versatile plan that can keep pace with life’s changes. Ryan Paulson uses his extensive banking skills to assist you with a variety of options.

Ryan provides both ag and business banking services. Whether you need traditional banking services, such as loans and deposits, or want to plan for your financial future, his range of expertise provides you with a broad array of options to reach your goals.

Areas of Expertise

Ag lending
Business lending

Education and Professional Credentials

Bachelor’s degree / Business Finance – Concordia College

The Rest of the Story

The versatility shown in Ryan’s expertise is also displayed in his wide-ranging interests. A former football player, he enjoys hunting, fishing and riding his motorcycle. In addition, he enjoys farming and roofing, with skills gained from past work experience in agriculture and construction over an eight-year period.

The best part of his job in banking, however, is that he is able to be part of the community that is his hometown. Growing up on a farm near Fosston, Ryan appreciates the opportunity to provide financial services to people in a region he knows well.

Ryan works with clients to identify opportunities and find solutions that provide versatile options to help you achieve your financial goals.

Phone
218.435.1474

Location
209 Johnson Ave N
Fosston, MN 56542
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Hours
9 am – 4 pm, M-F

Drive-Up
8 am – 5 pm, M-F
Night Depository & ATM

Erin Pollestad

Banking & Wealth Specialist

Bank: 218.843.3656
Direct: 218.843.3656
NMLS#: 2340151

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Apply for a Home Purchase, Refinance, New Construction, or Home Equity Loan with Erin today!

Convenient, Caring and Personalized Service for the Whole Family

Erin is a dedicated financial partner who prides herself on building relationships with the whole family, helping you, your kids, grandkids, parents, and more. Like a trusted family member, she provides unbiased advice with your best interests in mind — you and your family’s financial well-being are her top priority.

Experience the difference of a caring banker who builds lasting relationships. Erin will help you navigate your financial journey and secure a brighter future for you and your loved ones.

Area of Expertise

Home Ownership
Major Purchases
Personal Loans
Education Financing

Education and Professional Credentials

Associates Degree / Business – Northland Technical College

The Rest of the Story

Erin and her husband have two children, and enjoy fishing, kayaking, and hanging out at the lake. She is an avid reader, often reading more than 40 books a year, and also enjoys photography and capturing special moments in people’s lives.

She cherishes the small-town life that makes living in the area special. She says the connections made by neighbors helping one another out fosters the types of relationships that last a lifetime, and even extend generations.

Phone
218.843.3656

Location
157 2nd St S
PO BOX 189
Hallock, Minnesota 56728-0189
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Hours
8:30 am – 4 pm, M-F

Drive-Up
8:30 am – 5 pm, M-F

Night Depository & ATM

Eric Post

Personal Banker

Bank: 701.235.9906
Direct: 701.893.3904
NMLS#: 1917175

Send Eric a message

Apply for a Home Improvement Loan, Home Equity Loan, or Home Equity Line of Credit with Eric today!

A Passion to Serve

In his banking career, Eric has found a true passion in delivering excellent service while having holistic conversations with his clients about their financial situation. He succeeds in understanding his clients by identifying their needs and goals, and creating a road map to help them make real financial progress towards them.

He takes pride in taking the time to help people reach their goals, no matter their starting point. A perfect example is a time a customer came in with no credit score but was interested in building his credit. Eric worked through various strategies with the customer, taking him through different steps and activities that eventually resulted in a solid credit rating. It’s those sort of successes that motivate him.

Area of Expertise

Major Purchases
Convenience products and services
Cash Management

Education and Professional Credentials

Bachelor’s Degrees in Finance and Communications – North Dakota State University
Credit Life and Disability Insurance Licensed

The Rest of the Story

Eric loves the outdoors including cookouts, bonfires, fishing, duck hunting, biking, golfing, and more. He’s an Air Force Veteran and was stationed in Tokyo for two years, where he learned to surf and cook a few different Japanese dishes.

Phone
701.235.9906

Location
1301 30th Ave S
Fargo, North Dakota 58103
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Hours
9 am – 5 pm, M-F

Drive-Up
7:30 am – 6 pm, M-F
9 am – Noon, Sat

Night Depository & ATM

Spencer Rehovsky

Ag/Business Banker
Assistant Vice President

Bank: 701.775.1133
Direct: 701.775.1133
Cell: 218.280.7879

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Putting the Customer First

Spencer is dedicated to putting the customer first and assisting them in every way possible to achieve their goals and dreams. He approaches every day with the passion of going the extra mile to make things happen for his clients and prides himself on being accessible and honest.

According to Spencer, there is no better feeling than doing a good job for a client, and he says the ability to assist with their success is what gets him out of bed every day. He has several years’ experience in banking, and says that ag/business lending runs in his family.

Areas of Expertise

Farm Ownership & Expansion
Risk Management
Equipment Purchase & Leasing
Strategic Planning

Education

Bachelor of Science in Finance – North Dakota State University

The Rest of the Story

Originally from Park River, ND, Spencer Grew up playing basketball, football, golf, baseball, and track/field, and he continues to play in Fargo Parks sports leagues. In his free time he watches a lot of sports, and also loves keeping up with the market and financial news. He also enjoys travelling the world and hopes to do more of it in the future.

Spencer loves living and working in the Grand Forks area, and also loves being so close to all the unique and fun rural communities that exhibit such strong local pride, which remind him of his hometown.

Phone
701.775.1133

Location
2551 S Columbia Rd
Grand Forks, North Dakota 58201
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Hours
9 am – 4 pm, M-F

Drive-Up
8 am – 5:30 pm, M-F

Night Depository & ATM

Chris Schenck

Ag/Business Banker
Market President, Fargo South

Bank: 701.235.9906
Direct: 701.893.3925
Cell: 701.367.1593

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Commitment to Providing Service Builds Long-Term Results

Growing up on the family farm in Baker, Minnesota helped build a foundation for Chris Schenck’s future career in agricultural and business banking, as well as his appreciation for the customers he now serves. With more than two decades of experience in financial services in the Red River Valley, Chris uses his expertise to help clients reach their financial goals.

His experience includes commercial and agricultural credit positions, as well as senior positions in ag and business lending. Chris works to build long-term banking relationships with clients to better assist them in creating financial strategies for their agricultural business.

Areas of Expertise

Agricultural lending
Commercial lending

Education and Professional Credentials

Bachelor’s Degree / Agricultural Economics – North Dakota State University
Graduate School of Banking – Boulder, Colorado

The Rest of the Story

As a long-time resident of the region, Chris appreciates the genuine honesty and work ethic of the people who live here. He says that in this region, people care about their neighbors and communities and are always willing to help each other out.

Chris takes the same approach to being involved in the community. He serves as treasurer of the Creative Care for Reaching Independence (CCRI) Board of Directors and is a member of the development committee. CCRI works to enhance and enrich the lives and learning of people with disabilities.

With dedication to help others and his community, Chris applies these principles to assist you in planning for your financial future. He uses his financial expertise to help you create strategies for long-term business success.

Phone
701.235.9906

Location
1301 30th Ave S
Fargo, North Dakota 58103
Get Directions

Hours
9 am – 5 pm, M-F

Drive-Up
7:30 am – 6 pm, M-F
9 am – Noon, Sat

Night Depository & ATM