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Checking

Change Your Checking Experience

We offer a variety of checking accounts to accommodate your needs. Confidently select the option that fits your lifestyle with support from our bankers. Current customers benefit from a range of services with our Digital Banking Platform including convenient check ordering and speedy online application processing. Choose to change your checking experience for the better with First Dakota National Bank.

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Receive the essentials with expected cost-free benefits and added advantages.

  • Unlimited check writing, free printed checks, and check images in statements
  • No fee for debit cards, Money Orders, Cashier’s Checks, Checking Plus Line of Credit*, and Traveler’s Checks
  • Bonus rates on CDs, travel opportunities, events, and $5 off annual Safe Deposit Box rental
  • Free notary services, and interest on amounts over $500
To avoid the $25.00 monthly service charge maintain a $25,000.00 total balance in a combination of these accounts: Checking, Savings, Money Market, CDs, IRAs, Loans, or Lines of Credit. Trust or Investment relationships may qualify**.

*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

Enjoy limited no-fee withdrawals from non-First Dakota ATMs and scholarship application eligibility.

  • For students up to age 23
  • 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).
  • Bonus rates on travel opportunities and free check safekeeping
  • No monthly fee or minimum balance required

Earn interest in a checking account that includes all the essentials.

  • 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).
  • Bonus rates on travel opportunities and free check images in your statement

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

Don't worry about maintaining a minimum balance or making payments for monthly fees.

  • Free with unlimited debit card purchases 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).
  • No monthly fee or minimum balance required
  • Bonus rates on travel opportunities and free check safekeeping

Plan ahead for medical expenses while earning interest in a tax-advantaged 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 check balances, view transactions, 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 1.00% 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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Borrowing

Savings

Debit Card