My Account & eStatement Access

Return to the home page to access my account

My Account & eStatement Access

Credit Card Login Button
Business Remote Deposit Capture Login Button

Wealth Mgmt & Trust 3

Current customers: PAL access 

Products You Need: Partner with us for your Investment Management, Trust, Estate, and Retirement needs.

Services You Expect: You will find an emphasis on responsive, personal service that is rare in today’s business world.

Convenience You Deserve: Contact us today for a FREE consultation. Our financial professionals are available to meet with you at any Frandsen Bank & Trust office, or your home or office.

Investment Management Solutions

Regardless of your age or income, it’s important to create an investment strategy. Diversify your portfolio and manage risk to meet your current and future financial needs. At Wealth Management and Trust Services, we focus on personalized portfolio management for you and your family. You can be involved as little – or as much – as you choose. Begin early, continuously invest as much as you can, and work with a professional manager who earns your confidence.

Trust Solutions

Trusts help you transfer property to another person or professional trustee. We’ll review your goals for estate planning and the distribution of your assets during your lifetime and upon death. Trusts can be established for the current and future management of funds for you, your spouse, children or grandchildren, individuals with special needs, and charities. Once viewed as a privilege for the rich, trusts are now considered a financial tool for anyone.

Estate Planning Solutions

Estate planning is an important component of your wealth management plan. You’ve worked hard to build your wealth and it’s time to create a transfer plan that is cost and tax-efficient. Whether you’re just starting or it’s time to review your current plan, we’ll meet you and your family’s needs. We’ll review your will and/or trust documents, as well as make recommendations to ensure you’re prepared for future estate needs.

Retirement Planning Solutions

If you own a business, we’ll help you and your employees save for retirement through various investment vehicles:

  • Individual Retirement Account (IRA): Traditional, Roth and Education IRAs
  • Simplified Employee Pension plan (SEP)
  • SIMPLE IRA plan
  • Employer-sponsored profit sharing plan
  • 401(k) plan

Our retirement specialists will help you establish the plan that’s right for you or your company and your employees. We’ll ensure earnings on retirement dollars continue to grow tax-deferred until they are withdrawn. In addition, many retirement plans help you reduce taxable income.

Cabin Fever Ad Image

Worry-Free Banking Services

Frandsen Bank & Trust is your one stop for convenient banking services. Easily manage your accounts, protect your important belongings and control your finances.

Business Loan Ad Image



Worry-Free Banking Services

Frandsen Bank & Trust is your one stop for convenient banking services. Easily manage your accounts, protect your important belongings and control your finances.


Frandsen Bank & Trust’s Wealth Management & Trust Department has been in operation since 1969 and assists over 1,300 individual and business investment clients throughout the upper Midwest.

Contact us today for FREE consultation. 507.233.4800 or 218.773.5491.

Steve Vranich
Stephen W. Vranich
Sr. Vice President & Trust Officer
email Steve

Kerry L. Ledin
Vice President & Trust Officer
email Kerry 

Kathryn L. Curry
Trust Officer
email Kathryn 

Justin Brooks
Wealth Management Officer
email Justin

For more information on the services we provide, watch a video.

Trust Plan
Trust Plan (click here)

Inheritance (click here)

Retirement (click here)

Divorce (click here)

Empty Nesters
Empty Nesters (click here)

401k Rollover
401(k) Rollover (click here)

Bank on Main Street 2 

We're Here for You.

We welcome your questions, comments and feedback. Visit in person,
call us or submit this form. Unsecure email - click here for more information.

Your Preferred Frandsen Bank & Trust Office:
Contact Name:
Email Address:

Enter the number displayed above and click submit.

Locations Warren Oslo Grand Forks East Grand Forks Ada Carlton Clinton Cloquet Virginia Ely Tower Crosslake Nisswa Baxter Foley Forest Lake Bird Island Hector Jordan Fairfax NewUlm North Mankato Waterville Lonsdale Montgomery Dundas Braham Pine City Luck
Copyright © Frandsen Bank & Trust

SECURITY NOTICE: Frandsen Bank will never ask you to send non-public private information through e-mail, such as your PIN,
Social Security Numbers, or Account Numbers. Please do not respond to any email requesting this type of information.
Member FDIC Equal Housing Lender