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Personal Checking. Account options that fit your style.

First Dakota has designed checking options that meet a wide variety of checking needs. Just review the accounts below. You are sure to find one that is perfect for you! First Dakota has made it easy to open new accounts online. In addition to opening an account at your nearest First Dakota location, you can simply Apply Online.

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  FirstPartnerssm
Checking
ClassicChoicesm
Checking
FREE Checking FirstChoicesm
Checking
Description A great relationship account with powerful financial benefits A popular choice that pays interest A great basic account An account for students (up to 23)
Minimum Balance Maintain $25,000 combined balance in a combination of: Checking, MoneyMarket, Savings, Loans, Lines of Credits, CDs, or IRAs. Trust or Investment relationships may also qualify3 Maintain a $100.00 daily balance. If daily balance falls below $100.00, must maintain an average ledger balance of $1,500.00 for the statement cycle. None None
Monthly Fee $25.00 if below minimum $5.00 if below minimum None None
Check Writing Unlimited check writing $0.25 per check5 over 25 per month only if the average ledger balance falls below $1,500.00 Unlimited check writing Unlimited check writing
Interest Yes (on balances over $500.00)1 Yes (on balances over $100.00)1 No Yes1
ATM Transactions Unlimited no-fee withdrawals at non-First Dakota and non-MoneyPass® network ATMs.4 Surcharge free at First Dakota and MoneyPass® network ATMs. 4 no-fee withdrawals per statement cycle at non-First Dakota and non-MoneyPass ATMs.4 Surcharge free at First Dakota and MoneyPass® network ATMs. Nominal fee for withdrawals at non-First Dakota and non-MoneyPass ATMs.4 Surcharge free at First Dakota and MoneyPass® network ATMs. 8 no-fee withdrawals per statement cycle at non-First Dakota and non-MoneyPass ATMs.
Additional Benefits
  • Free printed checks6
  • Bonus rates on CDs
  • Check images in statement or check safekeeping option
  • No fee Checking Plus Line of Credit2
  • No fee Money Orders and Cashier Checks
  • $5.00 discount on annual Safe Deposit Box rental
  • Travel Opportunities
  • Educational Seminars and Social Events
  • Free Notary Service
  • Informative Newsletters
  • First box personalized checks6 free
  • Check images in statement or check safekeeping option
  • Travel Opportunities
  • First box personalized checks6 free
  • Free check safekeeping 
  • Travel Opportunities
  • First box personalized checks6 free
  • Free check safekeeping
  • Eligibility to apply for $1,000.00 scholarships awarded annually
  • Travel Opportunities

     

  • ALL ACCOUNTS FEATURE INTERNET BANKING, eSTATEMENTS, eMOBILE BANKING, BANK-TO-BANK TRANSFERS, CHECKING PLUSSM2, FIRST DAKOTA ATM CARD OR CHECKCARD 2, AND DIALSM 24-HOUR TELEPHONE BANKING!
    1Fees could reduce earnings on this account. Rates are variable. See our current rate sheet.
    2Upon application approval. Regular credit guidelines apply. 3Some restrictions apply. Ask a First Dakota Trust or Investment Officer for qualification guidelines. 4Other bank surcharges may apply. 5Excluding electronic payments. 6Discounts available on other check styles.

    Health Savings Account

    Checking Plus

    Checking Plus is a line of credit that attaches to your checking account, transferring money automatically in the event of an overdraft. It's also a convenient for of credit, with a competitive interest rate and easy repayment terms.
    *Subject to approval

    Debit Card Overdraft Service

    Internet Banking

    First Dakota's Internet Banking is the fastest, most convenient, and most powerful way to bank or pay your bills. Access your account anytime—from work, home, on the road - utilizing a computer or a mobile device.

    Checkcard

    An ATM or Checkcard enables you to perform several banking functions 24 hours a day, nation-wide