Your money. Your style. Your choice.
| Account features | Essential3 |
|---|---|
How To Apply |
Apply Now |
| 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 |
Apply 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 |
Apply 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 |
Apply Now | Apply Now | Apply 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
No monthly service charge
if enrolled in eStatements,
otherwise $31
No required opening deposit
Includes free...
- Online and mobile banking
- Enhanced debit Mastercard®
Smart
No monthly service charge
if enrolled in eStatements,
otherwise $31
No required opening deposit
Includes free...
- Online and mobile banking
- Enhanced debit Mastercard®
- Online bill pay2
- Zelle® and TransferNow®
Smart Plus
Earns Interest No monthly service charge with...
- Minimum balance requirement
met, otherwise $5.953 - eStatements
($3 paper statements)1
Required minimum balance
is $1,500 Required opening deposit
is $50 Includes free...
- Online and mobile banking
- Enhanced debit Mastercard®
- Online bill pay2
- Zelle® and TransferNow®
Convenience and Protection
Access to online and mobile banking
Mobile check deposit
Fraud and identity protection
Real-time account alerts
16 conveniently located branches throughout
North Dakota and Wisconsin
Customer service 24/7 when you call 888.258.6050
Accounts are insured by FDIC up to $250,0006
Enhanced Debit Mastercard
Accepted online and by thousands of merchants worldwide
Surcharge-free access to 32,000+ MoneyPass
ATMs across the country
Free personalization of the look of your card
Ability to add card to your digital wallet
