FREE+ Checking

First PREMIER Bank

Free is Really Free

Lose the hidden fees and unpleasant surprises when you open a First PREMIER Bank FREE+ Checking account today.
(You must be a resident of South Dakota, Iowa, Nebraska or Minnesota to apply online.)


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The Basics

  • $50 minimum opening balance
  • No minimum balance thereafter
  • No monthly fee
  • Earn interest on balances of $500 or more1
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Fraud Protection

  • 24/7 Fraud Monitoring
  • EMV debit cards with chip technology
  • Zero Liability® Protection for debit card purchases
  • Set up easy account alerts via email and text
  • Instantly lock/unlock lost or stolen debit cards
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More Great Features

Available Overdraft Protection

Learn more about Overdraft Protection using your First PREMIER savings or line of credit for extra flexibility and protection from declined debit card transactions.

Compatible with Mobile Wallet

Add your debit card to popular mobile wallet apps to speed your way through checkout using any mobile devices.

FREE Debit Mastercard®

First PREMIER Bank

Instantly Issued2, Just for You

With your First PREMIER Bank Debit Mastercard®, you can access up to 33,000+ surcharge-free MoneyPass® ATMs, enjoy Zero Liability® fraud protection, easy account alert setup and our lock/unlock feature to instantly suspend or deactivate your card if lost or stolen. You can even set up almost any mobile wallet application to speed your way through checkout.

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FREE Online & Mobile Banking

Our easy-to-use Online and Mobile Banking includes Bill Pay, Mobile Deposit and more.

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For Students & Parents

Stay connected, monitor spending and easily transfer money between linked accounts.

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{1} Interest not paid on days balance falls below $500

{2} Instant issue is not available at the following branches: Wakonda, Lake Norden, Castlewood, Kranzburg, Sanford Health Branch and Watertown Plaza.