Checking

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.

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.

Your Personal Banking Dream Team

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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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