Just 1 Business Checking

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

  • Start with fair fees, and then your first dollars earn interest credit to offset those fees. Your remaining dollars earn interest at money market rates.
  • Earn interest at Money Market rates on excess balances, and gain with tiered rates. The higher your balance, the higher your interest rate. (No institutional funds allowed.)
  • Eliminate the need for a sweep account. Enjoy an analyzed account; soft charges apply, but may be offset with interest credit. Fees may reduce earnings.
  • Simplify your account management. Keep your all your money in one account, and eliminate frequent transfers.  


  • Minimum $50 deposit required to open a business checking account.

Contact our bankers if you’re ready to open a business checking account with us.

Need help with collections? Read about Checkmarc services, free for First Dakota business customers.

Protect your business from overdraft charges with an extended line of credit. Add Business Checking Plus to your checking account. With Business Checking Plus, you will:

  • Receive automatic advances, limited to your available credit.
  • Get a monthly statement with details of the amount advanced, current balance, automatic payments, and remaining available balance.

Contact us to add Business Checking Plus to your business checking account today.


Minimum $50 deposit required to open a business checking account. 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. 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. Subject to approval.