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Change Your Checking Experience with First Dakota

We offer a variety of checking accounts to accommodate your needs. With support from our bankers, you can confidently select the option that fits your lifestyle. Current customers benefit from a range of services with Digital Banking, including convenient check ordering and speedy online application processing. Choose to change your checking experience with First Dakota's better banking options.

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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 is required

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

Maintain a $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 the daily balance falls below $1,000.00

Don't worry about maintaining a minimum balance or paying 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 for medical expenses while earning interest in a tax-advantaged account. Your account will be linked to a free HSA debit card that you can use at your preferred doctor's office or pharmacy. You can also 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 an extended line of credit to protect you from overdraft charges. It automatically advances the money needed to cover an overdraft. It's peace of mind and 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.

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A couple discusses their banking options with their personal banker

Open a Checking Account

You can open a checking account online or contact our knowledgeable bankers for support. Getting started with First Dakota is easy because we're always here to help.

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Bank Better with First Dakota

When you bank with First Dakota, you get a personalized experience. You're not just an account number to us. Whether you're saving for a purchase or looking to refinance your mortgage, we take time to understand your financial goals to help make your dreams come true.

Join Our Family

You're not alone if you're overwhelmed by all the online banking options. At First Dakota, we'll work to find personal banking solutions that suit you. Connect with your local team today!

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