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 Essential3

How To Apply

Contact a Banker
Free Enhanced Debit Mastercard®  Yes
Free Online and Mobile Banking Yes
Free Online Bill Pay1 No
Zelle® and TransferNow® No
Automatically enrolled in Overdraft Privilege 5
Earns Interest No
Account features Smart

How To Apply

Open a Smart Account Now
Free Enhanced Debit Mastercard®  Yes
Free Online and Mobile Banking Yes
Free Online Bill Pay1 Yes
Zelle® and TransferNow® Yes
Automatically enrolled in Overdraft Privilege 5 Yes
Earns Interest No
Account features Smart Plus

How To Apply

Open a Smart Plus Account Now
Free Enhanced Debit Mastercard®  Yes
Free Online and Mobile Banking Yes
Free Online Bill Pay1 Yes
Zelle® and TransferNow® Yes
Automatically enrolled in Overdraft Privilege 5 Yes
Earns Interest Yes
Account features Essential3 Smart Smart Plus

How To Apply

Contact a Banker Open a Smart Account Now Open a Smart Plus Account Now
Free Enhanced Debit Mastercard®  Yes Yes Yes
Free Online and Mobile Banking Yes Yes Yes
Free Online Bill Pay1 No Yes Yes
Zelle® and TransferNow® No Yes Yes
Automatically enrolled in Overdraft Privilege 5 Yes Yes
Earns Interest No No Yes

Essential-1.jpgEssential

Website-Checkmark-Checking-Page.png No monthly service charge
white-filler.pngif enrolled in eStatements,
white-filler-1.pngotherwise $31

Website-Checkmark-Checking-Page.png No required opening deposit

Website-Checkmark-Checking-Page.png Includes free...

  • Online and mobile banking
  • Enhanced debit Mastercard®
     

CONTACT A BANKER

Smart.jpgSmart

Website-Checkmark-Checking-Page.png No monthly service charge
white-filler.pngif enrolled in eStatements,
white-filler-1.pngotherwise $31

Website-Checkmark-Checking-Page.png No required opening deposit

Website-Checkmark-Checking-Page.png Includes free...

  • Online and mobile banking
  • Enhanced debit Mastercard®
  • Online bill pay2
  • Zelle® and TransferNow®

OPEN NOW

Smart-Plus.jpgSmart Plus

Website-Checkmark-Checking-Page.png Earns Interest

Website-Checkmark-Checking-Page.png No monthly service charge with...
  • Minimum balance requirement
    met, ottherwise $5.953
  • eStatements
    ($3 paper statements)1
Website-Checkmark-Checking-Page.png Required minimum balance
white-filler.pngis $1,500

Website-Checkmark-Checking-Page.png Required opening deposit
white-filler-1.pngis $50

Website-Checkmark-Checking-Page.png Includes free...
  • Online and mobile banking
  • Enhanced debit Mastercard®
  • Online bill pay2
  • Zelle® and TransferNow®

OPEN NOW

GettyImages-1329036747.jpg


Convenience and Protection

Website-Checkmark-Checking-Page.png Access to online and mobile banking

Website-Checkmark-Checking-Page.png Mobile check deposit

Website-Checkmark-Checking-Page.png Fraud and identity protection

Website-Checkmark-Checking-Page.png Real-time account alerts

Website-Checkmark-Checking-Page.png 16 conveniently located branches throughout
      North Dakota and Wisconsin

Website-Checkmark-Checking-Page.png Customer service 24/7 when you call 888.258.6050

Website-Checkmark-Checking-Page.png Accounts are insured by FDIC up to $250,0006
 

Woman-in-teller-drive-through.jpg

Enhanced Debit Mastercard

Website-Checkmark-Checking-Page.png Accepted online and by thousands of merchants worldwide

Website-Checkmark-Checking-Page.png Surcharge-free access to 32,000+ MoneyPass
      ATMs across the country

Website-Checkmark-Checking-Page.png Free personalization of the look of your card

Website-Checkmark-Checking-Page.png Ability to add card to your digital wallet

 

 

WE'RE HERE FOR
You

We'll help you get the most of your money.

Go to Financial Education

Open an Account

Quick and easy, and you don't even need to leave the house to fill out the application.

Apply Online
Order Checks

To reorder checks, call or chat with us, or visit your local branch for assistance.

Contact Us
Order a Debit Card

Need a debit card or need to replace a worn-out card?

Order Debit Card
We Offer Even
More
Mobile Banking
  • Check balances in real time
  • Transfer funds between accounts
  • Deposit checks from anywhere with your smartphone camera

Download the App

1 There is a fee for same day bill payment and overnight checks.
2 A paper statement fee of $3.00 will be charged for each month that a paper statement is produced and mailed to you.
3 Not eligible for paper checks, overdraft privilege, ready credit, bill payment, TransferNow® or Zelle®.
4 A service charge fee of $5.95 will be imposed every statement cycle if the balance in the account falls below $1,500 any day of the statement cycle.
With Overdraft Privilege and Overdraft Privilege Plus, we will strive to pay overdrafts with the decision being according to the bank’s policies and procedures. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically do not pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. You will be charged our normal overdraft or return item fee currently $33 for each overdraft advance created by check, bill pay item, in-person withdrawal, ACH transaction, pre-authorized ACH transaction, telephone transfer, and debit card recurring transactions. ATM and everyday debit card transactions will be added for those who opt-in to Overdraft Privilege Plus. You will also be charged a continuous overdraft fee of $33 each 5th consecutive overdrawn business day, and you must bring your account to a positive balance within 35 days.
6Limitations apply. See a banker for details.