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

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

Gear IconEssential

Checkmark Logo No monthly service charge
white-filler.pngif enrolled in eStatements,
white-filler-1.pngotherwise $31

Checkmark Logo No required opening deposit

Checkmark Logo Includes free...

  • Online and mobile banking
  • Enhanced debit Mastercard®
     

OPEN NOW

Phone IconSmart

Checkmark Logo No monthly service charge
white-filler.pngif enrolled in eStatements,
white-filler-1.pngotherwise $31

Checkmark Logo No required opening deposit

Checkmark Logo Includes free...

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

OPEN NOW

Percent IconSmart Plus

Checkmark Logo Earns Interest

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

Checkmark Logo Required opening deposit
white-filler-1.pngis $50

Checkmark Logo Includes free...
  • Online and mobile banking
  • Enhanced debit Mastercard®
  • Online bill pay2
  • Zelle® and TransferNow®

OPEN NOW

checking smartphone


Convenience and Protection

Checkmark Logo Access to online and mobile banking

Checkmark Logo Mobile check deposit

Checkmark Logo Fraud and identity protection

Checkmark Logo Real-time account alerts

Checkmark Logo 16 conveniently located branches throughout
      North Dakota and Wisconsin

Checkmark Logo Customer service 24/7 when you call 888.258.6050

Checkmark Logo Accounts are insured by FDIC up to $250,0006
 

Woman in teller drive through

Enhanced Debit Mastercard

Checkmark Logo Accepted online and by thousands of merchants worldwide

Checkmark Logo Surcharge-free access to 32,000+ MoneyPass
      ATMs across the country

Checkmark Logo Free personalization of the look of your card

Checkmark Logo 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.