First Minnesota Bank has a checking account designed to meet the needs of every customer, whether you want a basic or interest-earning account.  Accessing your checking account is easy and available 24 hours a day by using internet banking, writing a check or using your Instant Cash™/Instant Check™ Card.  All of our checking accounts allow you to electronically pay your bills.  First Minnesota Bank offers you the checking account options, each with unique features to meet your needs. 
 
Easy Checking 
This account has no minimum balance fees. No monthly service fees. It’s not hard to figure out why customers enjoy this checking account – it’s free! 
 
Minimum balance to open account - $50.00 
FREE Check Safekeeping 
FREE Internet Banking/Bill Payment 
FREE Instant Cash™/Instant Check™ Card 
Direct Deposit available 
Imaged statement (optional) - $6.00 
 
First Choice Checking 
This account has a low fee with a free imaged statement.  You also have access to check cards and internet banking to meet all your banking needs. 
 
FREE Imaged Statements 
FREE Internet Banking/Bill Payment 
FREE Instant Cash™/Instant Check™ Card 
First Reserve/Overdraft Protection Available* 
Minimum daily balance to avoid the min. balance fee - $100.00 
Minimum balance to open account - $50.00 
Minimum balance fee - $7.00 
 
Classic 50 Checking 
This account is for customers age 50 or older.  This account offers an attractive combination of free services. 
 
Minimum balance to open account - $50.00 
Minimum daily balance to avoid the min. balance fee - $100.00 
Monthly balance fee - $5.00 + $.20 per debit item 
First Reserve/Overdraft Protection available (subject to credit qualification) 
FREE Internet Banking/Bill Payment 
FREE Instant Cash™/Instant Check™ Card 
No Charge for Wallet style Specialty Checks (you pay only shipping & tax) 
Interest paid on average daily collected balances of $500 and above 
 
First Club Checking 
Our flexible First Club Checking Account comes complete with a package of our most sought after services, including Direct Deposit, Instant Cash™/Instant Check™ Card and free teller services.  Pick the features that work for you! 
 
Minimum balance to open account - $50.00 
Minimum daily balance - NONE 
Monthly service fee - $8.50 
First Reserve Overdraft protection available (subject to credit qualification) 
No Charge for Wallet style Specialty Checks (you pay only shipping & tax) 
FREE Internet Banking/Bill Payment 
FREE Instant Cash™/Instant Check™ Card 
FREE Teller Services 
 
Gold Star Checking 
The Gold Star Checking Account gives you more of the features and options you want. This account includes tiered interest without paying monthly service fees and other charges that can set you back. 
 
FREE Imaged Statements or Check Safekeeping 
No Charge for Wallet style Specialty checks (you pay only shipping & tax) 
FREE Teller Services 
FREE Internet Banking/Bill Payment 
FREE Instant Cash™/Instant Check™ Card 
First Reserve Overdraft protection available (subject to credit qualification) 
Interest paid on average daily collected balances of $500 and above 
Minimum balance to open account - $50.00 
Minimum daily balance - $500.00 or $5,000 combination 
Minimum balance fee - $12.00 
 
 
 
 
 
 
 
 
 
 
 
 
 
 
    
 
 
 
                    
 
 
 
 
 
 


FDIC
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