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First Dakota Ag Checking


Ag Checking Account Services:


We offer checking account and deposit services to fit your individual business needs:
  • Business Checking Accounts*
  • Money Market Deposit Accounts
  • Convenient Locations
  • Business Drops for Overnight Deposits
  • Change Orders Filled
  • Monthly Statements with Check and Deposit Images
  • * An Interest Credit against service charges is earned on your average collected balance. This credit can virtually reduce or eliminate monthly service charges to your account.


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Community Checking Small Business Checking Small Business Checking with Interest Business Checking Business Checking with Interest
Description A basic account for community non-profit groups or small businesses with limited banking needs A great account for small businesses or organizations A popular choice for small businesses or organizations that are eligible to earn interest An excellent account for business and commercial customers with item activity over 150 per month A powerful account for business and commercial customers with item activity over 150 per month and are eligible to earn interest
Minimum Balance N/A $2,500 average collected balance N/A N/A N/A
Monthly Service Fee N/A $5.00 monthly fee (waived if $2,500 average collected balance is maintained) $5.00 monthly fee $5.00 monthly fee $7.50 monthly fee
Image Statement* Yes Yes Yes Yes Yes
Interest Earned or Interest Credit Interest credit*** N/A Interest earned** Interest credit*** Interest earned**
Transaction Fees 50 combined debit and deposit items free per month

After 50 items:
$0.20 per item for checks, deposits, and deposited items
150 combined debit and deposit items free per month

After 150 items:
$0.10 per item for checks, deposits, and deposited items
150 combined debit and deposit items free per month

After 150 items:
$0.10 per item for checks, deposits, and deposited items
$0.10 per check / debit and deposit / credit

Deposit item fees:
$0.04 per on-us item
$0.05 per local item
$0.08 per non-local item
$0.10 per check / debit and deposit / credit

Deposit item fees:
$0.04 per on-us item
$0.05 per local item
$0.08 per non-local item
Uncollected Funds Rate Prime + 4% Prime + 4% Prime + 4% Prime + 4% Prime + 4%

Minimum $50.00 deposit required to open checking and/or savings accounts.
* Image Statements may include debits and credits with front and back of images.
** 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 is credited based on the average collected balance maintained for the monthly cycle. The rate is tied to the 3-month average 91-day T-Bill auction rate less 1/2%.