FREE+ Checking

First PREMIER Bank

A Bank Account + So Much More

First PREMIER Bank’s FREE+ Checking has what you want, without the hidden fees and unpleasant surprises. PLUS, it comes with our PREMIER banking experience that includes local Customer Care, fraud monitoring, a debit Mastercard with additional free benefits, and a team of people to help you on your financial journey.

Apply online in about four minutes! You must be a resident of South Dakota, Iowa, Nebraska or Minnesota to apply online.


Apply Now

The Basics

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

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.

Compatible with Mobile Wallet

Add your debit card to popular mobile wallet apps to speed your way through checkout using any mobile devices.

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