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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. $1.50 usage fee per transaction at foreign machines. Foreign: Any ATM outside of MoneyPass network. There is a $5.00 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
  • 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. $1.50 usage fee per transaction at foreign machines. Foreign: Any ATM outside of MoneyPass network. There is a $5.00 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/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, they will contact you daily from the hours of 8 am until 9 pm in your time zone. 
  • The analyst will never ask for any information from you, they will be giving you information and will tell you to contact your Financial institution.
  • If fraud is confirmed, you will be instructed to contact the financial insititution.
  • If you cannot be reached, the fraud analyst will place a black on the card and leave a message with the Toll Free phone number, so you can contact the Fraud Center. 
  • If you are in doubt about what our Fraud Center is questioning, please call First Dakota directly at 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

2 Salem locations

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

3 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

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.