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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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Description A Basic Checking Account An account for students (up to 23) A popular choice that pays interest A great relationship account with powerful financial benefits
Minimum Balance None None $100.00 (or average collected balance of $1,500.00) 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 qualify***
Service Charge None None $5.00 per statement cycle if below minimum $25.00 per statement cycle if below minimum
Check Writing Unlimited check writing Unlimited check writing $0.25 per check / debit item over 25 per statement cycle only if average monthly balance falls below $1,500.00 Unlimited check writing
Interest No Yes Yes (on balances over $100.00)* Yes (on balances over $500.00)*
ATM Transactions Surcharge free at First Dakota and MoneyPass network ATMs (other bank surcharges may apply) Surcharge free at First Dakota and MoneyPass network ATMs (other bank surcharges may apply) Surcharge free at First Dakota and MoneyPass network ATMs (other bank surcharges may apply) Unlimited no-fee withdrawals at non-First Dakota and non-Money Pass network ATMs(other bank surcharges may apply)
Additional Benefits
  • First box personalized checks free
  • Free check safekeeping 
  • Travel Opportunities
  • First box personalized checks free
  • Free check safekeeping
  • Eligibility to apply for $1,000.00 scholarships, awarded annually
  • Travel Opportunities
  • First box personalized checks free
  • Check images in statement or check safekeeping option
  • Travel Opportunities
  • Free personalized  checks (1 box per order) or discounts on other check styles
  • Bonus rates on CDs 
  • Check images in statement or check safekeeping option
  • No fee Checking Plus Line of Credit **
  • No fee Money Orders and Cashier Checks
  • $5.00 discount on annual Safe Deposit Box rental
  • Travel Opportunities
  • Educational Seminars
  • Free Notary Service 
  • Informative Newsletters
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!
*Fees could reduce earnings on this account. Rates are variable. See our current rate sheet.
**Upon application approval. Regular credit guidelines apply. ***Some restrictions apply. Ask a First Dakota Trust or Investment Officer for qualification guidelines.
 

Health Savings Account

A Health Savings Account (HSA) is a tax-advantaged medical savings account.If rising health care costs scare you or you want to plan ahead for potential medical expenses, the First Dakota HSA may be a very good, economical option. The money you contribute to your account belongs to you immediately. You decide when and how to spend it for qualified medical expenses.

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