Free Checking

First PREMIER Bank

No Hassles. No Strings Attached.

First PREMIER Bank's free checking account has no monthly maintenance fee, no direct deposit requirement and no monthly minimum balance. FREE+ Checking is loaded with leading-edge online financial tools to help you build budgets, monitor spending and stay on top of credit. You also get personal service and local decision-making by experts who want to help you reach your financial goals.

Open Online
woman writing check

The Basics

  • $50 minimum opening balance
  • No minimum balance thereafter
  • No monthly fee
  • Earn interest on balances of $500 or more1
View Rate
man looking at mobile phone

FREE Features

Find a Banker
man wearing headset

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
Learn More

Got four minutes? Apply Online.

It doesn’t take long to open your First PREMIER FREE+ Checking account. You must be a resident of South Dakota, Iowa, Nebraska or Minnesota to apply online.

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.

Free Credit Score & More

See your credit report, get real-time monitoring, financial tips and more with our free online and mobile Credit Score tool.

FREE Debit Mastercard®

Spending Flexibility + More

With your First PREMIER Bank Debit Mastercard®, you can access up to 37,000+ surcharge-free MoneyPass® ATMs, enjoy Zero Liability® fraud protection and use our lock/unlock feature to instantly suspend or deactivate your card if lost or stolen. Get spending flexibility by connecting it to your online shopping carts or using it in your favorite mobile wallet. Your First PREMIER Bank debit card also comes with added features from Mastercard at no additional charge to you.

Learn More
First PREMIER Bank

Financial Foundations

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

Learn More

For Students & Parents

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

Learn More


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


You May Also Be Interested In