CHECKING

First National Bank Minnesota offers you a variety of account types to fit your financial needs. Whether you’re looking for a free account, an account that earns interest, or an account that includes the benefits of the First Choice Club, we have the products and services to put your needs FIRST! Plus, our online services and telephone banking are free with every account!

 

 

 

 

Compare our Accounts

ACCOUNT TYPEBASIC CHECKINGVALUE CHECKINGPREMIER CHECKINGFIRST CHOICE CHECKING

Minimum Opening Deposit

$25 $300 $10,000 combined balance (loans & deposits) $5,000 combined deposit balance

Minimum Daily Balance

$0 $300 $10,000 combined balance (loans & deposits) $5,000 combined deposit balance

Earns Interest

None

Yes, balances over $1,000 earn interest at a tiered level

Yes, balances earn interest at a tiered level

Yes, balances earn interest at a tiered level

Statements

Free e-Statement or $3.00 Paper Statement Fee

  • Free e-Statement or Paper Statement
  • Images provided
  • Free e-Statement or Paper Statement
  • Images provided
  • Free e-Statement or Paper Statement
  • Images provided

Monthly Maintenance Fee

None

$6 monthly fee if balance falls below minimum balance requirement any day during the statement cycle, plus $0.20 per item

$10 monthly maintenance fee if balance falls below minimum combined balance requirement any day during the statement cycle

$10 monthly maintenance fee if balance falls below minimum combined balance requirement any day during the statement cycle

Features & Options

  • Free Online & Mobile Banking
  • Debit card
  • Free Online & Mobile Banking
  • Debit card
  • Free Online & Mobile Banking
  • Debit card
  • No annual fee on HELOC (subject to approval)
  • No-fee safe deposit box (3×5) 1st year
  • Free Online & Mobile Banking
  • Debit card
  • First Choice Club activities and trips
  • Free Club checks
  • No-fee money orders
  • No-fee Visa travel card
  • Must be 50+ years old

Basic Checking

Our Basic Checking account is a standard, full-service account that features no minimum balance fees and no monthly maintenance fees. Learn more to discover if this account is right for you.

  • No minimum balance
  • Online Banking
  • Online Bill Pay
  • Mobile Banking
  • Mobile Deposit
  • Debit Card
  • Free e-Statements or $3.00 Paper Statement Fee
  • Telephone Banking
  • Unlimited check writing
  • No monthly maintenance fee
  • FDIC insured

APPLY NOW

Value Checking

Our Value Checking account comes with the personalized service you’ve come to know and expect from First National Bank Minnesota, but also includes free e-statements or paper statements, tiered interest and more. If you are looking for a simple, straightforward checking account with all the essentials, the Value Checking account may be just the account for you.

  • $300 minimum balance
  • Online Banking
  • Online Bill Pay
  • Mobile Banking
  • Mobile Deposit
  • Debit Card
  • Free e-statement or paper statement
  • Telephone Banking
  • Images provided
  • Unlimited check writing
  • Monthly fee if below minimum balance requirement any day during the statement cycle is $6.00 plus $0.20 per item
  • Tiered interest based on collected balance
  • FDIC insured

APPLY NOW

Premier Checking

Our Premier checking account offers a variety of features and benefits for our valued customers. Benefits include tiered interest, no annual fee on HELOCs, and no-fee safe deposit box rental for the first year. Contact a Universal Banker today to learn more!

  • Minimum $10,000 combined balances (loans & deposits)
  • Online Banking
  • Online Bill Pay
  • Mobile Banking
  • Mobile Deposit
  • Debit Card
  • Free e-statement or paper statement
  • Telephone Banking
  • Images provided
  • No annual fee on HELOC (subject to approval)
  • No-fee safe deposit box (3×5) 1st year
  • No-fee money orders and travel card
  • $10 monthly maintenance fee if below minimum combined balance any day during the statement cycle
  • Tiered interest based on collected balance
  • FDIC insured

APPLY NOW

First Choice Checking

When you open a First Choice Checking account, you will receive many bonuses, offers, and educational opportunities to reward your hard work and careful money management throughout your life. This unique account for customers age 50 and older also provides a variety of fun and creative activities made available to you as a First Choice Club member. Click here to learn more about the activities and benefits of the First Choice Club!

  • Minimum $5,000 combined deposit balance
  • Online Banking
  • Online Bill Pay
  • Mobile Banking
  • Mobile Deposit
  • Debit Card
  • Free e-statement or paper statement
  • Telephone Banking
  • Images provided
  • Free Club checks
  • No-fee money orders and visa travel card
  • Eligible for a bonus on standard CDs
  • Must be 50+ years old
  • Monthly fee if below minimum balance requirement any day during the statement cycle is $10.00
  • Tiered interest rates based on collected balances
  • All First Choice members are welcome to club activities and trips!
  • FDIC insured

Apply Now

 

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