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 $5.954
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 $5.954
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 $5.954 No monthly service charge if there is monthly direct deposit, otherwise $5.954
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:

Request Debit Card Reissue

Starion Bank is a full-service financial institution with branches in North Dakota and Wisconsin.

We Make Applying
Easy

Three convenient ways to apply for an account the way you want to.

Contact a Banker

Option 1

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

Apply Online
Option 2

Our friendly Universal Bankers are eager to assist you in every way possible.

Find a Universal Banker
Option 3

Apply in person at one of our locations.

Find a branch
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 $5,000 any day of the statement cycle.