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First Dakota ATM Card & Checkcard

An ATM or Checkcard enables you to perform several banking functions 24 hours a day, nation-wide. Inquire Online (secure)

The First Dakota ATM Card is used at ATM machines to:

  • Get cash from ATMs nationwide, day or night      
  • Transfer money between accounts
  • Inquire on account balances
  • All of this with no issuance, monthly, or annual fee! No usage fee at First Dakota or tens of thousands MoneyPass ATM machines nationwide. $2.00 usage fee per transaction at foreign machines. Foreign: Any ATM outside of MoneyPass network. There is a $10.00 replacement card fee.
  • Inquire Online (secure) 

First Dakota Checkcard

The First Dakota Checkcard allows customers to make purchases wherever VISA debit cards are accepted as well as enjoy all other ATM functions. When a purchase is made, the amount is automatically deducted from your checking account balance, just as a cash withdrawal is when the card is used at an ATM.
  • Use it instead of a check at any merchant that accepts Visa debit cards
  • Write fewer checks... save on paper check charges
  • Safer than carrying cash; no need for traveler's checks
  • The money you spend comes from your checking account, not from credit
  • No more waiting 7-10 business days, visit a select First Dakota location and receive your ATM/Checkcard on the spot with Instant Issue technology.  
  • Plus, you can use it as an ATM card
  • All of this with no issuance, monthly, or annual fee! No usage fee at First Dakota or tens of thousands MoneyPass ATM machines nationwide. $2.00 usage fee per transaction at foreign machines. Foreign: Any ATM outside of MoneyPass network. There is a $10.00 replacement card fee.
  • Inquire Online (secure)

Who's eligible?

You need only have a checking or savings account with First Dakota National Bank. Subject to approval.

Lost or stolen card

Report loss or theft of your card(s) immediately by calling First Dakota at 800-486-4712 or 866-546-8273 after bank hours.

Visa Purchase Alerts

Visa Purchase Alerts can keep your account secure by empowering you to catch fraud. When enrolled you will receive real time email alerts when you pay with your Visa card.

To get started:
1.Check to make sure your card is eligible, Click here.
2. Register your email to receive Visa purchase alerts.
3. Choose notification triggers that match your needs. You'll get real-time email alerts based on your selected criteria. Enroll today!

Visa Checkout

A fast, easy and simple way to checkout online! Visa Checkout lets consumers shop on multiple sites without reentering full card data. Consumers can quickly switch between card accounts and shipping addresses enrolled in Visa Checkout by simply entering a username and password, protected by Visa. Enroll today to start using your First Dakota Checkcard with Visa Checkout.

VISA/MasterCard Fraud Scam

The scam works like this:
  • Person calling says- "This is (name), and I'm calling from the Security and Fraud Department at VISA/MasterCard. My badge number is 12460, Your card has been flagged for unusual purchase pattern, and I'm calling to verify. This would be on your VISA/MasterCard which was issued by (name of bank). Did you purchase an Anti-Telemarketing Device for $497.99 from a marketing company based in Arizona?" When you say "no", the caller continues with, "Then we will be issuing a credit to your account. Before your next statement, the credit will be sent to (gives your address), is that correct?" You say "yes".
  • The caller continues - "I will be starting a Fraud Investigation. If you have any questions, you should call the 1 800 number listed on the back of your card (1-800-VISA) and ask for Security. You will need to refer to the control number. The caller then gives you a 6 digit number.
  • Here's the IMPORTANT part on how the scam works - The caller then says, "I need to verify you are in possession of your card." They will ask you to turn your card over and provide the last 3 numbers. After you tell the caller the 3 numbers, he'll say, "That is correct, I just needed to verify that the card has not been lost or stolen, and that you still have your card. Do you have any other questions?"
  • After you say no, the caller then thanks you and states, "Don't hesitate to call back if you do" and hangs ups. You actually say very little, and they never ask for or tell you the card number. What the scammers wants is the 3-digit PIN number on the back of the card. DON'T give it to them. Instead, tell them you'll call VISA or MasterCard directly for verification of their conversation. VISA stated that is a scam and they will never ask for anything on the card as they already know the information since they issued the card. If you give the scammers your 3 Digit PIN number, you think you're receiving a credit; however, by the time you get your statement you'll see charges for purchases you didn't make, and by then it's almost too late and/or more difficult to actually file a fraud report.

    How does First Dakota's Fraud Risk Management Program work:

  • If our Risk Management teams suspects fraud, you will receive an email from the Fraud Center with the option to reply with "fraud" or "no fraud".
  • One minute later you will receive a text alert from "Fraud Center" (short code 32874), which will ask you if the transaction is fraud. Reply to the text message with YES or NO. Text messages are a free messaging service.
  • If you don't respond to the text alert, you will receive an automated phone call to confirm or deny fraud.
  • Remember - our messages will never ask you for your Social Security Number, PIN, account or card number.
  • The phone number for our First Dakota Fraud Center is 1-800-417-4592
  • If you have questions, please call First Dakota  directly a 605-665-7432 or 800-486-4712

Alerts Regarding Scams

We have taken substantial measures at First Dakota to protect your identity and your personal information. Click here for more information.

First Dakota ATM Location

1 Beresford location

First Dakota National Bank - 101 S 3rd Street

1 Chamberlain location

First Dakota National Bank – 201 N Courtland Street

1 Elk Point location

First Dakota National Bank - 117 W Main Street

2 Mitchell locations

First Dakota National Bank – 500 E Norway Avenue
First Dakota National Bank – 1712 N Main Street

1 Oacoma location

Al's Oasis – I-90 Exit 260


1 Pierre location

First Dakota National Bank - 322 S Coteau Street


2 Salem locations

First Dakota National Bank – 301 N Main Street
Cenex – 131 S Main Street 

4 Sioux Falls locations

First Dakota National Bank – 101 N Main Avenue
First Dakota National Bank – 2400 S Louise Avenue 
First Dakota National Bank – 6100 E Silver Maple Circle
First Dakota National Bank - 6109 Old Village Place

1 Vermillion location

First Dakota National Bank – 111 Court Street

1 Wagner location

First Dakota National Bank – 10 High Avenue SW

2 Yankton locations

First Dakota National Bank – 225 Cedar Street
First Dakota National Bank – 2105 Broadway Avenue

  • Part of the MoneyPass ATM system. Tens of thousands MoneyPass ATMs nationwide.