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Personal Checking

Flexible personal checking accounts with FREE Online and Mobile Banking, Bill Pay, Mobile Deposit and more.
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FREE+ Checking

Our FREE+ Checking account comes with no hidden surprises, hassles or monthly maintenance fees.

Reward Checking

Maintain a total monthly deposit relationship of $15,000 and gain benefits like free checks, reward rates on CDs and more.

Debit Card

This secure and easy payment method gives you access to 37,000+ surcharge-free ATMs nationwide.

Overdraft Protection

Ensure your personal checking account has sufficient funds to cover payments and purchases.

Security & Fraud Protection

Learn how First PREMIER protects you and how to protect yourself from security breaches and fraud.
Online & Mobile

Online & Mobile

First PREMIER Online and Mobile Banking are FREE and feature-rich, giving you 24/7 access and control over your accounts.
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Online Banking

Check balances, transfer funds, pay bills, view your statements any time.

Mobile Banking

Our mobile app puts the features of Online Banking in your hand.

Mobile Deposit

Use our Mobile Banking app to make deposits using your mobile phone.

Mobile Wallet

Link your debit card to a Mobile Wallet to speed your way through checkout.

Free Digital Banking Tools

Our free, value-added digital banking tools help you manage your money right from online and mobile banking.
Savings & CDs

Savings & CDs

Keep ready cash on hand with an array of savings options from First PREMIER Bank.
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Regular Savings

A traditional, FDIC-insured savings with free Online and Mobile Banking.

PREMIER Money Market

For higher balance accounts - the bigger the balance, the higher the rate.

Certificates of Deposit

Competitive rates and an array of term options on CDs.

IRA Savings & CDs

A simple, tax-advantaged way to build up funds gradually for retirement.

Kids Savings

The PREMIER Kids Club Savings account helps kids 12 and under learn the value of saving early.
Loans & Credit Lines

Loans & Credit Lines

Planning a large purchase or consolidating debt? We have competitive rates on personal loans and flexible lines of credit!
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Personal Loans

Competitive rates on personal, auto, home improvement, debt consolidation loans and more.

Personal Lines of Credit

Enjoy flexible, easy access to cash when you need it most. Select from several, flexible options.

Easy Access Line of Credit

Get extra purchasing power and cash when you need it with a basic, revolving line of credit.

Home Equity Line of Credit

Fund home improvements, consolidate debt or other expenses with this secured line of credit.

Advance Access Line of Credit

For higher income individuals, extra spending flexibility and payment options you’ll love.

Loan Payment Options

When it comes to making your loan payment you have several free and easy options.
Mortgages

Mortgages

Competitive rates for home mortgages, construction loans, refinancing and more.
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Apply for a Mortgage

Apply for a mortgage online today and receive fast processing, online status reporting and personal support.

Buying or Building a Home

Competitive mortgage rates with online application, fast processing, local decisioning and personal support.

Refinancing a Home

Leverage your home equity to help fund home projects, gain more favorable rate and terms or consolidate debt.

Jumbo Mortgage Loans

First PREMIER Bank specializes in jumbo loans with competitive mortgage rates and fees.

Professionals & Physician Loan Program

The Professional Loan Program is unique to First PREMIER Bank and is ideal for any professional with high-income, high-earning potential.
Investing

Investing

Simple-to-complex investing, financial and retirement planning and investment management for investors at any life stage.
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Brokerage Services

Investing made easy, with online access and personal advice and support.

Retirement Planning

Retirement plans and plan rollover support for individual investors.

Insurance

Protect and provide for loved ones with life and disability insurance.

Financial & Investing Resources

An array of helpful articles, videos, presentations and tools.
Wealth Management

Wealth Management

Private banking, hands-on financial and investment planning, portfolio management, estate planning and personal trust services.
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Private Banking

Concierge-style, private banking for higher net-worth individuals.

Financial Planning

Comprehensive financial and investment planning services.

Personal Trust Services

Protect your assets and provide for the people and causes you care most about with an estate plan or personal trust.

Managed Investing

Hands-on investment management from seasoned, experienced investment specialists.

Trusts in South Dakota

Learn about the unique opportunities and benefits realized by establishing your trust in the state of South Dakota.
Students & Parents

Students & Parents

Explore our unique offerings for students and parents. From college checking accounts to paid internships and scholarships.
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Dakota State University Debit Card

Show your love for Dakota State University and give back to the university’s foundation with a First PREMIER Bank DSU Debit Mastercard.

Student Loans

Undergraduate and Graduate Student Loan options through our partner, Ascent. No application fee and flexible repayment options.

PREMIER Money Market

First PREMIER Bank

Higher Interest on Higher Balances

A great option for individuals who expect premium interest on higher balances.
Use your account for overdraft protection and get FREE Online and Mobile Banking.

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Account Features

Higher savings balances get you a higher rate
Ability to write checks from your account
Easy fund transfers between accounts
FREE Online and Mobile Banking
FREE Bill Pay and Mobile Deposit
Use your savings as instant overdraft protection
Access to 37,000+ surcharge-free MoneyPass® ATMs
FDIC Insured
Access free financial tools and Credit Score

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Rates & Requirements

Tiered variable interest rate
$500 minimum opening balance
No minimum monthly balance
Withdrawal limitations apply

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Overdraft Protection

Ensure Your Transactions are Covered

Use your PREMIER Money Market account as overdraft protection for your First PREMIER Bank checking account, and ensure funds are always in place to cover your transactions.

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First PREMIER Bank

Regular Savings

A flexible way to save that's perfect for everyday or initial savings plans.

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Saving for Kids

Teach your kids how to save for the future and watch their money grow.

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