Personal Banking
Checking

 

One size does not fit all when it comes to checking accounts.

That's why at Minnesota Bank & Trust we offer a variety of options designed to complement a broad spectrum of lifestyles. Our bankers can assist you in choosing the perfect account to fit your needs. All of our checking accounts offer free debit cards3, free online banking and free bill pay.

Re-Order Checks

Cash Rewards Checking

Cash Rewards Checking isn't like other checking accounts that require high balances or charge monthly fees to earn interest.

Cash Rewards Checking offers 3.03% APY* and Free ATMs** nationwide, along with some great benefits:

  • Free checking
  • No minimum balance requirement
  • No monthly fees
  • ATM Fees are automatically refunded up to $20 per month

Always earn interest, regardless of your balance!

  • 3.03% APY* on balances of $.01 to $20,000
  • 0.51% APY* on balances over $20,000
  • 0.05% APY* on balances even when you don't meet the three easy steps!

Just three easy steps to earn bonus rates and free ATMs nationwide**

  1. Make purchases without writing checks using our FREE VISA® Debit Card. Simply have 15 or more signature-based purchases posted within the monthly qualification cycle.
  2. Make a direct deposit. Have one or more direct deposits each month.
  3. Go electronic and eliminate paper statements with FREE eStatements. Each month we'll send you an e-mail to tell you your statement is ready to view online. You must have a valid e-mail address to receive notification.

If you don't do everything you need to do to get the Rewards one month don't worry - you still have a great free checking account, and you can try again next month.

Ready to start earning? Stop in today and open your Cash Rewards Checking account!

*Rewards Checking requires $25 opening balance; no minimum balance thereafter. If requirements are met during statement cycle, 3.03% Annual Percentage Yield (APY) (Cash Reward) is paid up to $20,000. On any balance above $20,000, 0.51% APY is paid. **ATM surcharge fees of up to $20 per statement cycle will be refunded. Requirements for earning Cash Rewards and fee refunds include: 15 debit transactions 6/01/10. Rates and terms subject to change without notice. Member FDIC.

Platinum Checking

Do you typically keep a higher account balance? Our Platinum Checking Package is designed for the customer who wants basic, no-nonsense checking - with interest.

  • No monthly fee on balances of $50,000 or more - combined deposit and consumer loan relationship*
  • Free cashier's and traveler's checks
  • Overdraft privilege1
  • Special rates on CDs2
  • Interest paid monthly
  • Unlimited check writing privileges
  • Check images with statement

Free Checking

Our free checking is more than a basic account. With no minimum balance requirement and no monthly service charge,

  • No monthly fee

In addition, you can open a savings account and track your activity on both accounts on a combined monthly statement.

1Overdraft Privilege is also available up to $750. $31 for each overdraft advance, created by check, in-person withdrawal, ATM withdrawal or other electronic means. Overdraft Privilege balances must be repaid in 30 days. Whether your overdrafts will be paid is discretionary and we reserve the right not to pay. For example, we typically don't pay overdrafts if your account is not in good standing, or you are not making regular deposits, or you have too many overdrafts. 2Not available on promotional offers. 3Lost/Replacement ATM card fees apply. Some states permit local financial institutions the option of surcharging for ATM transactions. Minnesota Bank & Trust cannot control surcharges charged to your account by other financial institutions.

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