Checking

Checking Account Options

Choose the personal checking account that works best for you.

Personal Checking

Personal Interest Checking

Premium Money Market Checking

Choose If

You want a basic checking account

You keep a balance of $5,000 or more in your checking account

You want to maximize your high-balance checking account

Opening Deposit

$100 minimum

$100 minimum

$50,000 minimum

Minimum Balance

None

$5,000 each day to avoid $5 monthly service charge

$50,000 each day to avoid $25 monthly service charge

eStatements

Free

Free

Free

Earns Interest

No

Yes*

Yes*

Monthly Service Charge

$3 monthly service charge**

No, with minimum balance

No, with minimum balance

*You must maintain the daily minimum balance to obtain the disclosed annual percentage yield.

**This service charge will be waived if you elect to receive eStatements and disclosures or if you are 65 or older.


  • Advantage ATM & Checkcard – Pay for purchases from your checking account with your Advantage ATM & Checkcard.
  • Overdraft line of credit* – Fast, easy access to credit when you need it
  • Telephone Banking – Have 24-hour access to your accounts by calling our automated service at (605) 335-2900 or 888-293-6273

*Available if qualifications are met. Finance and transfer fees apply.