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More than just your average bank.

At Luminate Bank, we offer personalized, one-on-one services for every customer, ensuring your banking experience is not just brighter but truly radiant. We'll handle all the confusing stuff so you can focus on what truly matters—like your financial future.

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We want you to succeed.

We believe in making the American Dream happen for everyone. With our collective expertise and innovative solutions like Luminate Online Banking, we'll help you save money, reduce stress, and stay focused on your main priorities.

When we say we're different than other banks, we mean it. Why? Because our goal is to focus on your success. When we help you succeed at your financial goals, it helps us win too.

What do you get when you work with Luminate Bank?

Technology and growth are essential to us. That's why we offer the Luminate Bank Mobile App, ensuring you have the best banking experience right at your fingertips. Pay bills, download e-statements, check balances, and more—all from your mobile device.

Looking for comprehensive business banking solutions? From CDs to lines of credit, small business banking, cash management, and more, Luminate Bank is your trusted partner, especially for businesses in Minnesota.

Did you know that Luminate Bank is a part of Luminate Home Loans? As a result, we're able to offer a wide variety of mortgage options that you won't find at other banks.

Have a child under 18 and want to start their financial journey off right? We can help! All you need is $10 and you can help your child find their financial footing for the future.

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We want to help your business succeed.

As a business ourselves, we understand the value of having all of your business banking services under one roof. We want your business to have room to grow and change, which is why we provide so many services for businesses like yours.


We offer diverse banking services to foster your company's growth and adaptability, whether you're in Minneapolis, Minnetonka, or anywhere in the United States. At Luminate Bank, we can provide business loans, direct lines of cash, checking and savings accounts, cash management, and much more to small and large businesses like yours. Our services are always tailored to the unique needs of each of our clients because we want to understand your needs and what matters to you.

Features of Our Business Banking Services

  • Trust
  • Accuracy
  • Confidentiality
  • Expertise
  • Experience
  • Professionalism
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Let us be the banking experts.

With Luminate Bank, you can relax knowing that we're dedicated to your financial well-being. Our personalized approach sets us apart, providing a banking experience tailored to your needs.

Luminate Bank is here for you.

Let Your Finances Glow

Brighten Up Your Life with a Luminate Bank Credit Card!


With a Luminate Bank credit card in hand, you'll enjoy a range of advantages, from flexible payment options to competitive interest rates. You'll be able to unlock the potential to make everyday purchases and manage your expenses with ease.


Don't miss the chance to sign up for a credit card that truly lights up your world! Apply today and let your financial dreams shine through!

Interested in learning more? Get in touch with us!

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