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Checking

Manage Your Finances With Ease

At First Dakota National Bank, we offer you a variety of checking account options, together with our friendly, hometown customer service. Based on your lifestyle and financial needs, we’ll help find the best checking account for you. Open a checking account online or contact our bankers if you’re ready to open an account with us. If you are a First Dakota customer with Digital Banking, speed up the online application process by applying through Digital Banking. Need to order more checks? Login to digital banking to order.

Discover the checking account with everything you need. FirstPartners Checking comes with many cost-free benefits you expect, plus added advantages.

  • Enjoy unlimited check writing, free printed checks, and check images in your statement for peace of mind and easy reference.
  • No fees charged for debit card, Money Orders and Cashier’s Checks, Checking Plus Line of Credit*, and Traveler’s Checks.
  • Receive bonus rates on CDs, a $5.00 discount on annual Safe Deposit Box rental, travel opportunities, and educational seminars and social events.
  • Plus, get free notary services, and gain interest on amounts over $500.

Fees:

  • Maintain a $25,000.00 combined balance in a combination of these accounts: Checking, Savings, Money Market, CDs, IRAs, Loans, or Lines of Credit. Trust or Investment relationships may qualify**.

  • There is a $25.00 monthly service charge if combined balance falls below $25,000.00.

*Upon application approval. Regular credit guidelines apply.

**Ask a First Dakota Trust or Investment Officer for qualification guidelines. Securities are offered through Raymond James Financial Services, Inc. (Member FINRA/SIPC), an independent broker/dealer, and are not insured by the FDIC or any other bank insurance, are not deposits or obligations of the bank, and are subject to risks, including the possible loss of principal

Meet the perfect account for students. FirstChoice Checking allows limited no-fee withdrawals from non-First Dakota ATMs and scholarship application eligibility.

  • Created for students up to age 23, this account comes with unlimited debit card purchases and check writing.
  • Surcharge free, unlimited no-fee withdrawals and transfers at First Dakota and MoneyPass® network ATMs. Four (4) no-fee withdrawals or transfers per statement cycle at non-MoneyPass ATMs (other bank surcharges may apply).
  • Get free check safekeeping and travel opportunities.
  • Be eligible to apply for scholarships, awarded annually.
  • No monthly fee or minimum balance required.

Go with the popular choice that pays interest.

  • Maintain $1,000.00 balance to avoid service charges*.
  • Unlimited debit card purchases and check writing.
  • Surcharge free, unlimited no-fee withdrawals and transfers at First Dakota MoneyPass® network ATMs. Two (2) no-fee withdrawals or transfers per statement cycle at non-MoneyPass ATMs (other bank surcharges may apply).
  • Free check images in your statement and travel opportunities.

* An $8.00 service charge if daily balance falls below $1,000.00

You can’t go wrong with this choice. FREE Checking has no monthly fees and requires no minimum balance.

  • Free account with unlimited debit card purchase and check writing.
  • Get free First Dakota and MoneyPass network ATM withdrawals. $2 fee for transfers or withdrawals at non-MoneyPass ATMs (other bank surcharges may apply).
  • Get free check safekeeping and travel opportunities.
  • No monthly fee or minimum balance required.

Plan ahead for medical expenses with a tax-advantaged account. An HSA is an interest-bearing checking account. You’ll receive a free HSA debit card linked to your account to use at your preferred doctor’s office or pharmacy. Use Digital Banking to view balances, transaction, and make transfers.

If your employer doesn’t have an HSA, open an account with First Dakota National Bank. Contribute to your account, and get immediate access to funds. Choose when and how to spend money for qualified medical expenses. Also, funds you add to your HSA help reduce your reported income and lower income taxes.

ClassicChoice Checking

Up to 0.25% APY View Rate

FirstPartners Checking Account

Up to 0.50% APY View Rate
View All Rates

Checking Plus Overdraft Protection

Don’t get caught with an overdraft. Our Checking Plus product offers you an extended line of credit to protect you from overdraft charges and automatically advances the money needed to cover an overdraft. It's peace of mind and just one of the perks you can take advantage of when you bank with First Dakota. To add overdraft protection to your checking account, speak with one of our bankers by stopping into one of our locations.

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A couple discusses their banking options with their personal banker

Open a new account

Open a checking account online or contact our bankers if you’re ready to open an account with us. You'll love how easy it is to get started banking with First Dakota.

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Bank With First Dakota

When you bank with First Dakota, you get a personalized experience like no other. You're not just an account number to us. It's our goal to understand your financial goals and help make your dreams come true – whether you're saving for a purchase or looking to refinance your mortgage.

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