It's a neat historical anomaly but it is not very practical for most people to bank at. You have to be a North Dakota resident, they have one physical office in Bismarck North Dakota, and they do not provide online banking.
> Because of our unique structure as a state-owned bank, it is the Bank’s policy not to compete with the private sector for retail deposits. Therefore, convenience products such as debit cards, credit cards or online bill pay are not offered. BND has one location at 1200 Memorial Highway in Bismarck, North Dakota.