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Checking

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
  • 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

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 min. balance fee - $100.00
  • Minimum balance fee - $7.00
  • FREE Imaged Statements
  • FREE Online Banking/Bill Payment
  • FREE Instant Cash™/Instant Check™ Card
  • 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 free services.

  • Minimum balance to open account - $50.00
  • Monthly balance fee - $5.00 + $.20 per debit item
  • Minimum daily balance to avoid the min. balance fee - $100.00
  • No Charge for Wallet style Specialty Checks (you pay only shipping & tax)
  • Interest paid on average daily collected balances of $500 and above
  • FREE Online Banking/Bill Payment
  • FREE Instant Cash™/Instant Check™ Card
  • 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 - NONE
      • Monthly service fee - $8.50
      • No Charge for Wallet style Specialty Checks (you pay only shipping tax)
      • FREE Online Banking/Bill Payment
      • FREE Instant Cash™/Instant Check™ Card
      • 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 
      •  Minimum daily balance - $500.00 or $5,000 combination 
      •  Minimum balance fee - $12.00
      •  FREE Teller Services 
      •  FREE Internet Banking/Bill Payment 
      •  FREE Instant Cash™/Instant Check™ Card 
      •  FREE Imaged Statements or Check Safekeeping 
      •  Interest paid on average daily collected balances of $500 and above 
      •  No Charge for Wallet style Specialty checks (you pay only shipping tax) 
      •  First Reserve Overdraft protection available (subject to credit qualification)