Free E-Checking

$25.00 minimum opening balance

  • Earn our highest rate on checking when you use our electronic banking services
  • No minimum balance
  • No monthly service charge
  • Check Cards and Photo Check Cards available at no charge (based on application approval)
  • Direct Deposit
  • Free Internet Banking
  • Free Online Bill Pay
  • Free Dial-A-Bank telephone banking
  • Ready Reserve overdraft protection (based on application approval)
  • Free E-statements 
  • ATM fees refunded up to $25 per cycle (and $4.99 per item if account requirements per qualification cycle are met) 
  • Only Minnesota and Iowa residents are eligible to open an e-Checking account
*Account requirements per qualification cycle:
-at least 10 Check Card purchases post and clear
-at least 1 automatic payment or direct deposit post and clear
-access Internet Banking at least once
-enroll for Online Statements


Simple Checking Account

$25.00 minimum opening balance

  • No minimum balance
  • No monthly service charge
  • Check Cards and Photo Check Cards available at no charge (based on application approval)
  • Direct Deposit
  • Free Internet Banking
  • Free Online Bill Pay
  • Free Dial-A-Bank telephone banking
  • Ready Reserve overdraft protection (based on application approval)
  • Free E-statements


Growth Checking

$1,000.00 minimum opening balance

  • Earn competitive interest rates
  • $1,000 minimum balance
  • If below minimum during the month, a fee of $10 will apply
  • Variable interest rate calculated on daily balance; credited monthly
  • Check Cards and Photo Check Cards available at no charge (based on application approval)
  • Direct Deposit
  • Free Internet Banking
  • Free Online Bill Pay
  • Free Dial-A-Bank telephone banking
  • Ready Reserve overdraft protection (based on application approval)
  • Free E-statements
  • You can receive images of your cancelled checks for an additional $5 per month. If you keep a daily balance of $5,000 the fee for imaged statements is waived


Classic Checking

For customers age 65 and over
$500.00 minimum opening balance

  • No minimum balance
  • No monthly service charge
  • Check Cards and Photo Check Cards available at no charge (based on application approval)
  • Direct Deposit
  • Free Internet Banking
  • Free Online Bill Pay
  • Free Dial-A-Bank telephone banking
  • Ready Reserve overdraft protection (based on application approval)
  • Free E-statements