Business Checking

Basic Low Volume

Simplicity, value & convenience for businesses with a lower amount of banking activity.

Business Debit Card

For owners & authorized employees, easy spending control, account monitoring & fraud protection.

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Online/Mobile Banking

FREE, 24/7 account access & administrative control with Bill Pay, eStatements, Mobile Deposit & more

Value-Based, Low Volume Checking

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  • Low Volume, No Interest Checking
  • Popular option for businesses with less activity and basic needs
  • No minimum monthly balance
  • No monthly maintenance fee with eStatements
  • 150 free total transactions per statement cycle4
  • Debit Mastercard® with Zero Liability® Protection
  • Access to 37,000 surcharge-free MoneyPass® ATMs
  • FREE Online and Mobile Banking, Bill Pay and more


Low Volume + Interest
Low Volume + Interest

Perfect for businesses with lower-volume transactions who want to earn interest on your balances.

High Volume + Interest
High Volume + Interest

Businesses with higher volume and higher balances can benefit from this interest bearing checking account.

High Volume +<br>Earnings Credit
High Volume +
Earnings Credit

Ideal for higher transaction volume and complex cash management needs.

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Ready Cash Access & Spending Control

FREE Debit Mastercard®

Instant purchasing power for authorized employees with built-in administrative controls and fraud protection you can trust. Issue cards to employees, set individual spending limits and monitor transactions with easy text and email alerts. Lock and unlock lost or stolen debit cards online. You’ll also gain access to 37,000+ surcharge-free MoneyPass® ATMs nationwide. 

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First PREMIER Bank
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Small Business

Learn about the fundamentals of financing a small business, including business plans, balance sheets and credit with our interactive module.

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Security & Fraud Protection

Find out how First PREMIER helps protect you against fraud and how to protect your small business.


Why Bank with First PREMIER?

As a debt-free, privately owned $3 billion bank, First PREMIER is one of the strongest capitalized banks in the country. We are consistently ranked as a top-performing bank for asset size. Most recently we were named by S&P as the nation’s Best Performing Large Community Bank.

Our integrated business model bridges business banking with our treasury and asset management teams. We work together to provide market-leading banking, lending and treasury services solutions that are "right-sized" for business needs and flexible to scale for future growth.

Our bankers take the time to learn about you. Once they understand your business goals, they will help you find the banking products and financial solutions that fit your needs today, and support you as your business grows.

Our secure Online and Mobile Banking gives you 24/7 access over your accounts with multi-tiered security and administrative control. Enjoy great features including eStatements, Bill Pay, account alerts & notifications, debit card lock and unlock, administrative controls and more! Our Debit Mastercard® and Business Rewards Mastercard® credit cards also work with mobile wallet technology. Best of all, First PREMIER Business Online and Mobile Banking are FREE of charge to First PREMIER Banking customers.

First PREMIER is the 11th largest ACH Originating Bank in the USA and the 14th largest issuer of Mastercard® in the country. We are also honored to have served as the bank for the State of South Dakota since 1999, as well as the bank for the City of Sioux Falls since 2004.

We serve our local, regional and national clients with pride and personal customer care. We are active supporters of more than 700 charities and non-profits and our associates give an average of 30,000 volunteer hours annually.


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

{2} At our discretion, we may change the interest rate daily. Interest is calculated using the daily balance method. Interest is compounded.

{3} Earnings credit rate may change and will be shown on the Deposit Account Rate Schedule.

{4} "Transaction" refers to any combination of items, paid or unpaid, including paper and electronic. 150 free total transactions represents a combination of withdrawals & deposits before withdrawal and deposit fees apply. First PREMIER will assess a cost-per-excess transaction fee over transactions allowed per statement cycle.

{5} "Withdrawal" refers to any transaction whether initiated in person, by check, draft or similar paper instrument, or any transaction initiated electronically through electronic funds transfer. Withdrawals fees to not apply to transactions made using a First PREMIER Bank Debit Card, transactions initiated through wire transfer, transactions initiated through Online Bill Payment, or transfers initiated through Business Online Banking.

{6} “Deposit" refers to all deposit transactions. Deposits do not include transactions or transfers made at an ATM, through Remote Deposit or Mobile Deposit, or transfers made through Business Online Banking.

{7} A $5 monthly paper statement fee is assessed to customers receiving paper statements.

{8} Regulatory Assessment Fee equal to the product of the Average Daily Ledger Balance multiplied by 0.15260%, then divided by 365, and then multiplied by Days in Statement Cycle.

{9} Negative Collected Balance Fee equal to the product of the Average Collected Negative Balance multiplied by the Negative Collected Balance Fee rate, then divided by 365, and then multiplied by Days in Statement Cycle. The Negative Collected Balance Fee rate is included in the Deposit Account Rate Schedule.

{10} Restriction apply. See Business Credit Card Agreement for details.