Personal Checking Accounts

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 and mobile banking.


Easy Checking

Our Easy Checking has no minimum balance or monthly service fees.

  • Minimum balance to open account - $50.00
  • Online Banking/Bill Payment
  • Instant Cash™/Instant Check™ Card
  • Imaged statement (optional) - $6.00


First Choice Checking

Our First Choice Checking 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.

  • Minimum balance to open account - $50.00
  • Minimum daily balance to avoid the minimum balance fee - $100.00
  • Minimum balance fee - $7.00
  • Online Banking/Bill Payment
  • Instant Cash™/Instant Check™ Card
  • Free Imaged Statements
  • First Reserve/Overdraft Protection Available (subject to credit qualification)

Classic 50 Checking

Our Classic 50 Checking is for customers age 50 or older. This account offers an attractive combination of services.

  • Minimum balance to open account - $50.00
  • Interest paid on average daily collected balances of $500.00 and above
  • Minimum daily balance to avoid the minimum balance fee - $100.00
  • Minimum balance fee - $5.00 + $0.20 per debit item.
  • Online Banking/Bill Payment
  • Instant Cash™/Instant Check™ Card
  • No Charge for Wallet style Specialty Checks (you pay only shipping & tax)
  • Free Imaged Statements
  • First Reserve/Overdraft Protection available (subject to credit qualification)


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 - $0.00
  • Monthly service fee - $8.50
  • Online Banking/Bill Payment
  • Instant Cash™/Instant Check™ Card
  • No Charge for Wallet style Specialty Checks (you pay only shipping & tax)
  • Free Imaged Statements
  • First Reserve Overdraft protection available (subject to credit qualification)

Gold Star Checking

Our 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.

  • Minimum balance to open account - $50.00
  • Interest paid on average daily collected balances of $500.00 and above
  • Minimum daily balance to avoid minimum balance fee - $500.00 or a combined minimum balance of $5,000.00 in any combination of personal checking, savings, certificate account balances and outstanding balances of installment loans and lines of credit.
  • Minimum balance fee - $12.00
  • Online Banking/Bill Payment
  • Instant Cash™/Instant Check™ Card
  • No Charge for Wallet style Specialty checks (you pay only shipping tax)
  • Free Teller Services
  • Free Imaged Statements 
  • First Reserve Overdraft protection available (subject to credit qualification)