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Best Banks & Checking Accounts in Bismarck, North Dakota - March 2026

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| i Editorial Disclosure
Editorial Disclosure The rates displayed are actual, verified rates sourced directly from the official websites of banks and credit unions. Our editorial content is independent of any advertiser relationships.
| ✓Fact Checked | Checking Account Rates — Last Updated and Verified: March 22, 2026

The best checking rates for Bismarck, North Dakota include Capital Credit UnionCapital Credit Union204 W Thayer Ave, Bismarck, ND 58501A5.0 ★Texas Ratio: 11.17% Classic Checking at 3.04% APY, Railway Credit UnionRailway Credit Union3005 Rock Island Pl, Bismarck, ND 58504A+5.0 ★Texas Ratio: 2.17% Senior Checking Accounts at 0.50% APY, Kirkwood Bank & Trust Co.Kirkwood Bank & Trust Co.2911 N 14th St, Bismarck, ND 58503A+5.0 ★Texas Ratio: 0.00% NOW Checking Tier 1 at 0.45% APY, Dacotah BankDacotah Bank2112 N 12th St, Bismarck, ND 58501A+5.0 ★Texas Ratio: 1.77% Gold Plus Checking at 0.15% APY, and Vue Community Credit UnionVue Community Credit Union818 E Main Ave, Bismarck, ND 58501 4526A+5.0 ★Texas Ratio: 4.44% Regular Checking at 0.15% APY.

Looking for the best checking accounts in Bismarck, North Dakota? You have two main choices: convenient local branches or high-yield online accounts.

The tables below compare the top rates available to residents of Bismarck, North Dakota, featuring both local banks and credit unions near you.

Checking account rates reflect recent market quotes and representative offers available to depositors in Bismarck, North Dakota. Checking Account Rates Last Updated and Verified: March 22, 2026

Bismarck, ND Checking Rate Trends

Compare local Bismarck, ND checking rate quotes against the statewide average

Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.

View Full North Dakota Checking Trends →
High-Yield Checking — ND Avg
0.223%
▲ 0.086 from last week

North Dakota high-yield checking rates rose 0.086 points this week to 0.223% APY, up from 0.138% last week.

Rewards Checking — ND Avg
2.987%
▲ 1.544 from last week

North Dakota rewards checking rates rose 1.544 points this week to 2.987% APY, up from 1.444% last week.

As of Mar 22, 2026 • Rate data sourced from 8,500+ monitored institutions Powered by MonitorBankRates

Compare Checking Account Rates Today in Bismarck, North Dakota & the Surrounding Area

Institutions:
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
204 W Thayer Ave
Bismarck, ND 58501
Classic Checking
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Railway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
3005 Rock Island Pl
Bismarck, ND 58504
Senior Checking Accounts
0.50%
$0
View
▼
Rate0.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2911 N 14th St
Bismarck, ND 58503
NOW Checking Tier 1
0.45%
$1,000
View
▼
Rate0.45%
Min Deposit$1,000
Min Balance—
UpdatedMar 20, 2026
Details

Rates may change any time after opening account.

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2911 N 14th St
Bismarck, ND 58503
K60 Checking Tier 1
0.45%
$0
View
▼
Rate0.45%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Rates may change any time after opening account.

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2911 N 14th St
Bismarck, ND 58503
NOW Checking Tier 2
0.35%
$1,000
View
▼
Rate0.35%
Min Deposit$1,000
Min Balance—
UpdatedMar 20, 2026
Details

Rates may change any time after opening account.

Kirkwood Bank & Trust Co.
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
2911 N 14th St
Bismarck, ND 58503
K60 Checking Tier 2
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

Rates may change any time after opening account.

Railway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
3005 Rock Island Pl
Bismarck, ND 58504
Senior Checking Accounts
0.30%
$0
View
▼
Rate0.30%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Dacotah Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
2112 N 12th St
Bismarck, ND 58501
Gold Plus Checking
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Vue Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
818 E Main Ave
Bismarck, ND 58501 4526
Regular Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Vue Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
818 E Main Ave
Bismarck, ND 58501 4526
Interest Bearing Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Railway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
3005 Rock Island Pl
Bismarck, ND 58504
Senior Checking Accounts
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Dacotah Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
2112 N 12th St
Bismarck, ND 58501
Gold Plus Checking
0.10%
$100
View
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Railway Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 2.17%
3005 Rock Island Pl
Bismarck, ND 58504
Regular Checking Accounts
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

No additional details provided.

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
204 W Thayer Ave
Bismarck, ND 58501
Classic Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Dacotah Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
2112 N 12th St
Bismarck, ND 58501
Gold Plus Checking
0.05%
$100
View
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Dacotah Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
2112 N 12th St
Bismarck, ND 58501
Interest Checking
0.05%
$100
View
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Dacotah Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
2112 N 12th St
Bismarck, ND 58501
Gold Checking
0.05%
$100
View
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Bremer Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 4.07%
710 S Washington St
Bismarck, ND 58504
ONB Preferred Checking
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
204 W Thayer Ave
Bismarck, ND 58501
Classic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Dakota West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.58%
340 N MAIN ST
Watford City, ND 58854
Kasasa Cash Back Checking
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $120 cash back per year, $10 per month

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
204 W Thayer Ave
Bismarck, ND 58501
Classic Checking
3.04%
$0
View
▼
Rate3.00%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Dacotah Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
2112 N 12th St
Bismarck, ND 58501
Gold Plus Checking
0.15%
$100
View
▼
Rate0.15%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Vue Community Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 4.44%
818 E Main Ave
Bismarck, ND 58501 4526
Interest Bearing Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No additional details provided.

Dacotah Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
2112 N 12th St
Bismarck, ND 58501
Gold Plus Checking
0.10%
$100
View
▼
Rate0.10%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Dacotah Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
2112 N 12th St
Bismarck, ND 58501
Gold Plus Checking
0.05%
$100
View
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Dacotah Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
2112 N 12th St
Bismarck, ND 58501
Interest Checking
0.05%
$100
View
▼
Rate0.05%
Min Deposit$100
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Dakota West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.58%
340 N MAIN ST
Watford City, ND 58854
Kasasa Cash Back Checking
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $120 cash back per year, $10 per month

The Bank of Tioga
Institution Rating:
A+5.0 ★
111 Central Ave E
Crosby, ND 58730
Cash Back checking account
3.50%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $8.75 per month

The Bank of Tioga
Institution Rating:
A+5.0 ★
111 Central Ave E
Crosby, ND 58730
Cash Back Checking
3.50%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required: Qualifications apply; cash back on debit card purchases - up to $8.75 per month

VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
3000 25th St S
Fargo, ND 58103
Sky Checking - Non Profits
3.00%
$1,000
View
▼
Rate2.96%
Min Deposit$1,000
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $3,000,000.00

VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
3000 25th St S
Fargo, ND 58103
Vision Premium Checking
2.00%
$500
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $499.99

Goose River Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
44 Main St W
Mayville, ND 58257
Interest Bearing Checking
0.20%
$500
View
▼
Rate0.20%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

FSB of Cando
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
415 Main St
Cando, ND 58324
Premier Personal Interest Checking
0.15%
$0
View
▼
Rate0.15%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Goose River Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 3.80%
44 Main St W
Mayville, ND 58257
Interest Bearing Checking Account
0.10%
$500
View
▼
Rate0.10%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
520 Main Ave
Fargo, ND 58103
America's Best Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
520 Main Ave
Fargo, ND 58103
America's Best Premier Interest Checking*
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S
Fargo, ND 58104
Forward Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

$5,000 minimum opening deposit

FSB of Cando
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
415 Main St
Cando, ND 58324
Premier Personal Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

FSB of Cando
Institution Rating:
A+5.0 ★ Texas Ratio: 0.00%
415 Main St
Cando, ND 58324
Premier Personal Interest Checking
0.05%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

First State Bank (ND)
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
423 Broadway
Buxton, ND 58218
Relationship Plus Checking
0.05%
$500
View
▼
Rate0.05%
Min Deposit$500
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Dakota West Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 10.58%
340 N MAIN ST
Watford City, ND 58854
Kasasa Cash Back Checking
5.00%
$0
View
▼
Rate5.00%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

Qualifying balance up to $120 cash back per year, $10 per month

The Bank of Tioga
Institution Rating:
A+5.0 ★
111 Central Ave E
Crosby, ND 58730
Cash Back Checking
3.50%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifications Required: Qualifications apply; cash back on debit card purchases - up to $8.75 per month

The Bank of Tioga
Institution Rating:
A+5.0 ★
111 Central Ave E
Crosby, ND 58730
Cash Back checking account
3.50%
$0
View
▼
Rate3.50%
Min Deposit$0
Min Balance—
UpdatedMar 21, 2026
Details

Qualifying balance up to $8.75 per month

Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Town and Country Credit Union
Institution Rating:
A+5.0 ★ Texas Ratio: 3.36%
615 S Broadway
Minot, ND 58701 4473
Free Checking Account
0.01%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

Free checking conditioned on election and continued receipt of receiving e-statements.

Western Cooperative Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 7.93%
1300 Bison Dr
Williston, ND 58801 3770
Basic Checking
0.00%
$0
View
▼
Rate0.00%
Min Deposit$0
Min Balance—
UpdatedMar 22, 2026
Details

No Minimum Required

No Student accounts found at this time.
Source: Verified Checking Rate Data provided by MonitorBankRates
Institution
Product
APY
Min Deposit
Profile
Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
204 W Thayer Ave
Bismarck, ND 58501
Premier Business Checking
0.65%
$0
View
▼
Rate0.65%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Dacotah Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 1.77%
2112 N 12th St
Bismarck, ND 58501
Platinum Business Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
204 W Thayer Ave
Bismarck, ND 58501
Business Checking
0.00%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

Capital Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.17%
204 W Thayer Ave
Bismarck, ND 58501
Business Connect Checking
0.00%
$0
View
▼
Rate0.05%
Min Deposit$0
Min Balance—
UpdatedMar 18, 2026
Details

No additional details provided.

VISIONBank Saint Francis, MN
Institution Rating:
A5.0 ★ Texas Ratio: 6.85%
3000 25th St S
Fargo, ND 58103
Premium Business Checking
2.00%
$500
View
▼
Rate1.98%
Min Deposit$500
Min Balance—
UpdatedMar 16, 2026
Details

b,c,f

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
589 Holzapple St Bldg 210
Grand Forks Afb, ND 58204 1020
BusinessPlus Checking
0.40%
$0
View
▼
Rate0.40%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Service Federal Credit Union
Institution Rating:
A5.0 ★ Texas Ratio: 11.03%
589 Holzapple St Bldg 210
Grand Forks Afb, ND 58204 1020
BusinessPlus Checking
0.35%
$0
View
▼
Rate0.35%
Min Deposit$0
Min Balance—
UpdatedMar 17, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
520 Main Ave
Fargo, ND 58103
Business Interest Checking
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

Bell Bank
Institution Rating:
A+5.0 ★ Texas Ratio: 2.41%
520 Main Ave
Fargo, ND 58103
Premier Business Interest Checking*
0.10%
$0
View
▼
Rate0.10%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

No additional details provided.

First State Bank (ND)
Institution Rating:
A+5.0 ★ Texas Ratio: 0.17%
423 Broadway
Buxton, ND 58218
Business Interest Checking
0.05%
$2,500
View
▼
Rate0.05%
Min Deposit$2,500
Min Balance—
UpdatedMar 20, 2026
Details

No additional details provided.

Bank Forward
Institution Rating:
A+5.0 ★ Texas Ratio: 1.33%
5650 37th Ave S
Fargo, ND 58104
Business Forward Checking
0.02%
$0
View
▼
Rate0.02%
Min Deposit$0
Min Balance—
UpdatedMar 16, 2026
Details

effective 2/1/2024 (changed monthly on the 1st of the month). Earnings Credit is calculated on available balance (less 10% reserve balance requirement) to offset service charges.

Methodology & Data Sources

Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Bismarck, North Dakota directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.

Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Bismarck, North Dakota. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in ND.

Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.

Frequently Asked Questions

Do checking accounts in Bismarck, North Dakota earn interest?

Most traditional local checking accounts in Bismarck, North Dakota earn 0% interest. However, High-Yield Checking or Rewards Checking accounts from online banks and select local credit unions can pay interest rates comparable to savings accounts.

Are banks in Bismarck, North Dakota FDIC insured?

Yes. Legitimate banks with branches in Bismarck, North Dakota are FDIC insured up to $250,000 per depositor. Local Credit Unions are similarly insured by the NCUA.

What fees should I watch out for?

Common fees include Monthly Maintenance Fees (often waivable with direct deposit), Overdraft Fees, and Out-of-Network ATM fees. We recommend looking for “Free Checking” accounts that explicitly state no monthly fees.

What is a Rewards Checking account?

Rewards Checking accounts (sometimes called Kasasa accounts) offer high interest rates or cash back on debit card purchases in exchange for meeting monthly requirements like a minimum number of debit card transactions, direct deposit enrollment, or e-statement signup.

Best Checking Rates in Bismarck, North Dakota

Based on our current data, some of the highest checking account APYs available to residents of Bismarck, North Dakota include:
  • Capital Credit Union
    Classic Checking — 3.04% APY
  • Railway Credit Union
    Senior Checking Accounts — 0.50% APY
  • Kirkwood Bank & Trust Co.
    NOW Checking Tier 1 — 0.45% APY
  • Dacotah Bank
    Gold Plus Checking — 0.15% APY
  • Vue Community Credit Union
    Regular Checking — 0.15% APY
Checking Account Rates reflect actual verified offers from banks and credit unions actively accepting deposits in Bismarck, North Dakota. Your final available rate may depend on qualifying activity and daily market movements. Last Updated and Verified: March 22, 2026

Bismarck, North Dakota Rates & Resources

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