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 TYPE	BASIC CHECKING	VALUE CHECKING	PREMIER CHECKING	FIRST CHOICE CHECKING
Minimum Opening Deposit	$25	$300	$10,000 combined balance (in-house loans & deposits)	$5,000 combined deposit balance
Minimum Daily Balance to Avoid Fees	$0	$300	$10,000 combined balance (in-house loans & deposits)	$5,000 combined deposit balance
Earns Interest	None	Yes, balances of $1,000 or greater 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 Service Charges	None	$6 monthly maintenance fee if balance falls below minimum balance requirement any day during the statement cycle, plus $0.20 per debit 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) $15 account credit annually when checks are ordered No-fee safe deposit box (3×5) 1st year	Free Online & Mobile Banking Debit card First Choice Club activities and trips 1 box single bank club checks 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

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 debit item Tiered interest based on collected balance FDIC insured

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 (in-house 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) $15 account credit annually when checks are ordered No-fee safe deposit box (3×5) 1st year $10 monthly maintenance fee if balance falls below minimum combined balance requirement any day during the statement cycle Balances earn interest at a tiered level FDIC insured

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 1 box single bank club checks No-fee Visa travel card Must be 50+ years old $10 monthly maintenance fee if balance falls below minimum combined balance requirement any day during the statement cycle Balances earn interest at a tiered level All First Choice members are welcome to club activities and trips! FDIC insured

CHECKING

Compare our Accounts

Basic Checking

Value Checking

Premier Checking

First Choice Checking