Your money, your style, your choice.
Life is busy and every minute counts. With all of the things you're juggling, you don't need your checking account slowing you down. That's why we make it easy to apply for our checking accounts online and even easier to access cash and manage your money whenever it's convenient.
| Account features | Smart |
|---|---|
| How To Apply | Open a Smart Account Online in 4 Minutes |
| Free Enhanced Debit MasterCard® | Yes |
| FREE Online and Mobile Banking | Yes |
| FREE Online Bill Pay1 | Yes |
| Zelle® and TransferNow® | Yes |
| Earns Interest | No |
| Service Charge | No monthly service charge if enrolled in eStatements, otherwise $3.002 |
| Required Opening Deposit | $100.00 |
| Account features | Smart Plus |
|---|---|
| How To Apply | Open a Smart Plus Account Online in 4 Minutes |
| Free Enhanced Debit MasterCard® | Yes |
| FREE Online and Mobile Banking | Yes |
| FREE Online Bill Pay1 | Yes |
| Zelle® and TransferNow® | Yes |
| Earns Interest | Yes |
| Service Charge | No monthly service charge if minimum balance is met, otherwise $5.95[2][4] |
| Required Opening Deposit | $100.00 |
| Account features | Essential3 |
|---|---|
| How To Apply | Fresh Start Checking |
| Free Enhanced Debit MasterCard® | Yes |
| FREE Online and Mobile Banking | Yes |
| FREE Online Bill Pay1 | No |
| Zelle® and TransferNow® | No |
| Earns Interest | No |
| Service Charge | No monthly service charge if there is monthly direct deposit, otherwise $5.95[2][5] |
| Required Opening Deposit | N/A |
| Account features | Smart | Smart Plus | Essential3 |
|---|---|---|---|
| How To Apply | Open a Smart Account Online in 4 Minutes | Open a Smart Plus Account Online in 4 Minutes | Fresh Start Checking |
| Free Enhanced Debit MasterCard® | Yes | Yes | Yes |
| FREE Online and Mobile Banking | Yes | Yes | Yes |
| FREE Online Bill Pay1 | Yes | Yes | No |
| Zelle® and TransferNow® | Yes | Yes | No |
| Earns Interest | No | Yes | No |
| Service Charge | No monthly service charge if enrolled in eStatements, otherwise $3.002 | No monthly service charge if minimum balance is met, otherwise $5.95[2][4] | No monthly service charge if there is monthly direct deposit, otherwise $5.95[2][5] |
| Required Opening Deposit | $100.00 | $100.00 | N/A |
Debit Card Reissue
Need to replace a worn-out debit card or update its design? Request a replacement card by calling 888-258-6050 or ordering online for same-day pick-up at one of these branches:
- Bismarck North - 2900 N. Washington St.
- Fargo Urban Plains - 2754 Brandt Dr. S
- Middleton - 1651 John Q. Hammons Dr.
Starion Bank is a full-service financial institution with branches in North Dakota and Wisconsin.
