FREE+ Checking

First PREMIER Bank

No Hidden Fees. No Unpleasant Surprises.

Enjoy the freedom to bank anywhere with First PREMIER Bank FREE+ Checking. Get free mobile deposit, mobile wallet and access to 33,000+ surcharge-free ATMs nationwide. Apply online in about four minutes! 

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 debit card fraud monitoring
  • EMV debit cards with chip technology
  • Zero Liability® Protection for debit card purchases
  • 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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Financial Foundations

Our interactive module will help you understand key financial concepts and make better money management decisions.

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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, and Watertown on 5th Street.

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