Checking Account Options

Card Gallery 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 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.