Ag Checking Account Options

Gain a partner who is committed to your farm’s future. At First Dakota National Bank, we offer you a variety of ag checking account options, together with our friendly, hometown customer service. We’ll help find the best checking account for you, based on your farm and financial needs. Contact our bankers today if you’re ready to open an account with us. Choose from our various checking accounts. Read about each checking option by selecting the service of interest to you.

Open one checking account with everything you need. Just 1 Business Checking1 comes with all the business partnership benefits you expect, plus advantages to make your company more efficient.

  • $10.00 monthly fee
  • Earn interest2 at Money Market rates on excess balances
  • Tiered rates - higher balance equal higher interest rate
  • Eliminates the need for a sweep account.
  • Analyzed account; soft charges3 apply, but may be offset with earnings credit2,4

Protect your business from overdraft charges with an extended line of credit. Add Business Checking Plus5 to your checking account. Contact us to add Business Checking Plus to your business checking account today.

Minimum $50 deposit required to open a business checking account. Calculations shown below are for example purposes only. Rate and margin are subject to change without prior notice.1If 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. 2Rates are variable. See our current rate sheet. 3See current Just 1 fee schedule for complete list of soft charges.4Earnings credit is a monthly non-cash credit to your account that will offset part or all of the service charge. Earnings 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 earnings credit. 5Subject to approval.

Forget the term small business. You do business, period. At First Dakota National Bank, we understand all your heart goes into your start-up company or local organization. We created Small Business Checking1 for you. This checking account works just as hard as you do.

  • With a $2,500.00 minimum daily balance, the $10.00 monthly fee is waived.

Fees:

  • 150 combined checks, deposits, deposit items, ACH deposits, and ACH withdrawals free per month. After 150 items, $.20 per item fee for checks, deposits, deposit items, ACH deposits, and ACH withdrawals.

Protect your business from overdraft charges with an extended line of credit. Add Business Checking Plus2 to your checking account. Contact us to add Business Checking Plus to your business checking account today.

Minimum $50 deposit required to open a business checking account. Calculations shown below are for example purposes only. Rate and margin are subject to change without prior notice. 1If 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 calculations: negative average collected balance x Prime +4% x number of days in a statement cycle divided by 365. Example calculation using -$1,000 average collected balance in a month that had 31 day cycle ($1,000 x 7.25%) x 31/365=$6.16 uncollected funds fee. 2Subject to approval.


Put your checking account to work for you. Earn interest for your business. With the Small Business Checking1 with Interest, you’ll grow your money in the bank, and enjoy a no minimum balance account.

  • Earn interest2.
  • No minimum balance.

Fees:

  • $10.00 monthly fee.
  • 150 combined checks, deposits, deposit items, ACH deposits, and ACH withdrawals free per month. After 150 items, $.20 per item fee for checks, deposits, deposit items, ACH deposits, and ACH withdrawals.

Protect your business from overdraft charges with an extended line of credit. Add Business Checking Plus3 to your checking account. Contact us to add Business Checking Plus to your business checking account today.

Minimum $50 deposit required to open a business checking account. Calculations show below are for example purpose only. Rate and margin are subject to change without prior notice. 1If 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 calculations: 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. 2Rates are variable. See our current rate sheet. 3Subject to approval

The perfect account for small farm businesses! Don’t need all the frills of a complex checking account? No problem. First Dakota National Bank has created the Community Checking1 account just for you.

  • With a $1,000.00 minimum daily balance, the $5.00 monthly fee is waived.

Fees:

  • 50 combined checks, deposits, deposit items, ACH deposits, and ACH withdrawals free per month. After 50 items, $.20 per item fee for checks, deposits, deposit items, ACH deposits, and ACH withdrawals.

Protect your business from overdraft charges with an extended line of credit. Add Business Checking Plus2 to your checking account. Contact us to add Business Checking Plus to your business checking account today.

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. 1If 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. 2Subject to approval.

Get Started Today

Along with ag checking, we offer the banking services you need–all in one place. Whether you're planning for the future of your operation or saving for retirement or growth, First Dakota is here to help.

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