Checking Account Options

Card Gallery Choose the personal checking account that works best for you.


Empty Heading For Layout Purposes Personal Personal Interest Premium Money Market Student
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 You are a high school or college student that incurs ATM service charges often
Opening Deposit $100 minimum $100 minimum $50,000 minimum $50 minimum
Minimum Balance None $5,000 each day to avoid $5 monthly service charge $50,000 each day to avoid $25 monthly service charge None
eStatements Free Free Free Free
Earns Interest No Yes* Yes* No
Monthly Service Charge $3 monthly service charge** No, with minimum balance No, with minimum balance $0

*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 Debit Card – Pay for purchases from your checking account with your Advantage Debit Card.
  • 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.