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Minimum $50.00 deposit required to open a checking account. Calculations shown below are for example purposes only. Rate and margin are subject to change without prior notice. Rates are variable. See our current rate sheet. Interest credit is a monthly non-cash credit to your account that will offset part or all of the service charge. Interest credit is calculated on 90% of the average collected balance maintained for the monthly cycle. Example calculation: $10,000 average collected balance in a month that had a 31-day cycle ($10,000 x 90% x .40%) x 31/365=$3.06 in interest credit. The rate is tied to the 3-month average 91-day T-bill auction rate less 1/2%. If the average collected balance for the statement cycle on the account is negative, the account will be charged uncollected funds fee of Prime +4%. The uncollected funds fee calculation is: negative average collected balance x Prime + 4% x number of days in statement cycle divided by 365. Example calculation using -$1,000 average collected balance in a month that had a 31-day cycle ($1,000 x 7.25%) x 31/365=$6.16 uncollected funds fee. See current Just 1 fee schedule for complete list of soft charges.

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A banking partnership focused on your business needs. First Dakota offers the latest in business banking, providing you with efficient and economical solutions to help your business grow.

Ag Lending

Cash Management

Business Checkcard

Internet Banking


Protect your business from overdraft charges with a line of credit attached to your business checking account.
  • Automatic advances3
  • Monthly statement provides details of the amount advanced, current balance, automatic payments, and remaining available balance.

Checkmarc Recovery Service

1Subject to approval. 2A small monthly fee applies. 3Limited to your available credit.