Wisconsin Bank & Trust
AgriBusiness Banking

Seasonality challenges are persistent. Our AgriBankers have the experience to improve cash flow throughout the cycle and can provide intelligent financial solutions that improve your business all year long.

Your Agricultural Financial Partner.

At Wisconsin Bank & Trust, we provide comprehensive banking solutions that help make the job of managing your operation’s finances easier. Our experienced Agribusiness bankers have a unique understanding of local industries, issues, and markets. We pride ourselves on offering outstanding personal service that puts your operation at the center of everything we do.

A multitude of financing options with bankers that understand Agriculture.

  • Operating line of credits
  • Machinery and livestock loans
  • Real estate farm loans
  • Preferred lender with Farm Service Agency
  • Farmer Mac

Wisconsin Bank & Trust, a member of Heartland Financial USA, Inc, offers the “Big Bank Punch with a Small Bank Touch”! Whether it’s the latest technology, a large loan, credit card, insurance (personal and for your operation), retirement planning and investment services or a lost password, Wisconsin Bank & Trust is ready to work with you and your operation!

Our AgriBankers are ready to help your business grow.

Get started today with one call.

Find a Banker

Compare Checking Account Options

Business Analysis Checking

Receive earnings credit on balances that can offset monthly service charges.


Minimum Deposit To Open

$20 monthly maintenance fee

Business Interest Checking

Earn interest on your collected balances.

0.01% APY1

On all Balances

$20 monthly maintenance fee

Business Checking

Power your business with a straightforward business checking account designed for your growing business.


Minimum Deposit To Open

$5 monthly maintenance fee


Visa® Business Credit Card

The Visa Business Credit Card from Wisconsin Bank & Trust eliminates the need to manage multiple card programs, provides easy access to credit that helps manage your cash flow, and offers flexibility to control business expenses. And, of course, our card can be used anywhere Visa is accepted. Other great features include:

  • Spending limit based upon your company’s needs and never more than you want.
  • eAlerts - Sign up to receive e-mail messages when your balance exceeds a limit you specify, an individual charge is more than a specific amount, or to remind you that you have a payment due.
  • Online Access to your card transactions, account balance and statements.
  • Optional automatic payments online to pay your balance before finance charges apply.
  • Earning Rewards! Ask your banker for more information.

You're secure with Visa Business. Count on Visa for an extraordinary level of security and protection. Use your card with confidence. As a Visa business cardholder you're entitled to these additional benefits from Visa:

  • Fraud Monitoring - Visa systems continually monitor card transactions for suspicious activity on your Visa card to help prevent fraud.
  • Verified by Visa - Confirms your identity with an extra password when you make online purchases. Activate your card
  • CVV Code - 3-digit security code verifies your identity for non face-to-face transactions.
  • Visa Zero Liability Policy2 - Your business won't be held liable for unauthorized purchases made with your card or account information. Some restrictions apply.
  • Visa Merchant Discounts - Save on business products and services at select merchants with Visa discounts for cardholders. Browse by merchant, product category, or type of savings desired.
  • Business Benefits Package - Extra coverage and assistance just for our business cardholders.


1Annual Percentage Yields (APY) are accurate as of: 06/05/2020. The rates and terms may change after the account is opened. Account fees could reduce earnings. Truth in Savings Disclosures are available upon request. $0.01 minimum balance to obtain APY.

2Visa  Zero Liability Policy - Just review your monthly account statement and report fraudulent charges immediately to Wisconsin Bank & Trust. We will give you provisional credit while we investigate the transaction(s). If you report the incident promptly, your account is in good standing, and you were not negligent with the handling of your card and PIN you will be credited for any funds that were fraudulently taken from your account.

Credit Cards are issued and services by New Mexico Bank & Trust d/b/a HTLF Card Services.