Holiday Closure: Labor Day – Monday, September 7, 2026
Community Initiatives: See what donation drives are happening near you on our Community Calendar. View details →
Holiday Closure: Labor Day – Monday, September 7, 2026
Community Initiatives: See what donation drives are happening near you on our Community Calendar. View details →
Creativity may not be the first word you would use to describe a bank – but then again, you may not be banking here yet. Original ideas and out-of-the-box thinking are what sets us apart from our competitors.
To deliver our bank’s business products and services and, most importantly, partner with our clients by finding new ways to deal with challenges.
For over 105 years, 21st Century Bank in Minnesota has honed our collective creativity. One of the significant parts of being one of the Twin Cities’ largest locally-owned community banks is how we make decisions a big box bank may not be able to accomplish due to hard-and-fast processes.
With each new client we onboard, we gain an understanding of who they are to address their organization’s challenges. We’re proud of the tailored banking products, services, and solutions leveraging teamwork, technology, and imaginatively tailored solutions to serve our ever-growing base of nonprofit and business clients.
Technology is the baseline of our business tools and resources. We have what you expect to see at today’s banks: online bill pay, check deposits, ACH filters, and positive pay. We differ in ensuring that the products and services chosen align with how they benefit the business. To provide this exceptional service, we have a core Business Banking Team – set up to serve our clients with immediate or day-of answers to their questions. We’re all cross-trained and very communicative, which allows each of us to step in and serve the others as needed. “How we’re set up to serve our Business Banking clients, with that dedicated group of people, is unique within the banking world right now,” said Michael Gallagher, SVP Business Development. “Our team is highly trained and highly skilled. They know our systems and can answer questions. Our response time is critical to get back to that client and provide an answer or solution to the issue they’re calling about.”
The team at West Title, a 40-year-old residential and commercial title company based in St. Louis Park, a suburb of Minneapolis-St. Paul, has seen how we combine technology, teamwork, and workflows to serve our community. Its owner and Chief Executive Officer, Michelle Balow, knows our differentiators intimately.
“21st Century Bank is integrated with my closing software and reconciliation software to make things easy for clearing checks and having the account balance daily,” said Balow. “It gives you peace of mind that the bank is small enough for great service yet large enough to be willing to make modifications – and work with me as a client to make my job easier and make my account safer.”
West Title is a valued client who collaborates with our bank daily. We partner with them to ensure their organization is safely, securely, and efficiently managing their banking relationship. And when we say “daily,” we mean it.
We’ve integrated our technology and theirs to make sure there are multiple points of checks and balances each day – all to protect the company from wire transfer and ACH fraud, as this industry is often hard hit due to the volume of transactions.
“When West Title became a client almost five years ago, we had to be creative and work as a team to come up with solutions that would work to ensure they’re safe and efficient,” said Jamie Butler, VP of Business Banking. “We needed to set everything up and be on call for them, and our operations team makes sure we can do all the things they need to do. This is one example of how our team treats each client relationship.”
To serve their needs, we established a dual-system approval process in which two people at West Title confirm with our Business Banking Team and Operations (Ops) Team what funds are approved to be incoming and outgoing every business day.
“All the people on the Business Banking Team are great at what they do,” said Butler. “The teams are responsive and work hard. The service and knowledge we provide sets us apart.”
“West Title is a client who requires personal service on the phone or replying to emails. It’s valuable to them that we’re prompt in our responses. And we can provide a safe, secure method for them to conduct their business."
We’ve been proud to showcase the service we offer West Title and share that same commitment with all our Business Banking clients.
We’re confident the Business Banking Team at 21st Century Bank can help you with creative banking solutions – related to products/services, rates, or simply providing better service than you’re getting now.
Fill in the form to view and download any of our business checklists with helpful links!
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