BNCCORP, Inc. operates as the holding company for BNC National Bank that provides various banking and financial services. It accepts a range of depositary products, such as checking accounts, savings accounts, money market deposits, and certificates of deposit. The company also provides commercial and industrial loans, real estate mortgage and construction loans, agricultural loans, consumer loans, and equipment financing to small and mid-sized businesses and professionals. In addition, it offers debit cards, MasterCard and Visa merchant deposit services, safe deposit, lockbox, and messenger services. The company, through its another subsidiary, offers property, liability, fleet auto, workers' compensation, errors and omissions, directors and officers, employment practices, crime and employee dishonesty, umbrella and excess, boiler and machinery, surety and bonds, flood, and earthquake; risk and loss control services, risk transfer analysis, risk consulting, and risk management program design and implementation; health, life, dental, disability, 401(k)s and SEPs, prepaid legal, key man protection, buy/sell protection, estate, and business continuation; and homeowners and renters, personal articles floater, automobile, watercraft, aircraft, flood and earthquake, umbrella, and life lines. Further, the company provides trust, financial, business, estate and tax planning, estate administration, agency accounts, payroll services, accounting services, employee benefit plan design and administration, individual custodial self-directed IRAs, asset management and tax preparation, as well as offer financial services alternatives, such as securities trading, investment management of institutional and individual accounts, mutual funds, and annuities. As of December 31, 2006, it operated 20 banking branch offices in Arizona, Minnesota, and North Dakota. The company was founded in 1987 and is headquartered in Bismarck, North Dakota.