An interest-bearing checking account that will earn you a premium interest just by keeping a minimum balance.
On Balances Up To $50,0002
ATM Fee Refunds2
FREE CHECKING WITH eSTATEMENTS
Unlimited check writing, Online/Mobile Banking, Debit Card and more. Designed for those who prefer ease and simplicity in banking.
$25 minimum deposit to open
SIGNATURE SERIES CHECKING
Receive a high interest rate on large balances and best benefits from our premium account.
On Balances $250,000+3
ATM Fee Refunds3
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1$250 bonus offer is not available to existing Minnesota Bank & Trust consumer checking customers or those who have been paid a new account opening bonus since January 1, 2018. The Consumer checking account product type eligible for this promotion is 117-Free Checking with eStatement. Bonuses only apply when opening a new consumer checking account at Minnesota Bank & Trust or MNBankandTrust.com during the promotional bonus period. The promotional bonus period is 3/3/2020-4/30/2020. If the account is closed by the customer or bank within 90 business days after opening, we may deduct bonuses earned and received at closing and a $25 account closing fee may be assessed. Closing the account will negate any unearned bonuses. All bonus dollars will be paid to the newly opened checking account. If multiple checking accounts are opened during the promotional bonus period under the same primary owner name, the bonuses will be paid to the account that was opened first. Limit one bonus per new consumer account relationship. To receive $100 bonus, two (2) minimum direct deposit of $500 or more each must be posted to your new checking account within 60 calendar days of account opening. Direct Deposit examples include payroll, pension, Social Security or other government benefits. A $150 bonus will be paid if the account has at least $4,500 balance 60 calendar days after account opening. If 60th calendar day falls on a weekend or holiday, balance on the following business day will be used to qualify for the promotion. Bonuses will be paid within 90 business days after the promotional period has ended. An IRS 1099 form may be issued. Health Savings Accounts and Fiduciary accounts are not eligible for the promotion. Geographic restrictions may apply. Account opening is subject to approval. Minimum $25 to open. EStatement enrollment required to avoid $3.00 paper statement fee. Free Checking with eStatement is a Consumer Checking account.
2Annual Percentage Yields (APY) are accurate as of 03/30/2020. 0.01% APY applies to balances of $0.01 to $50,000.00 and 0.01% APY applies to balances $50,000.01 and above. Rates and terms are applicable as of the accurate as of date in this disclosure and may change at the bank’s discretion. Keep minimum average daily balance of $7,500 to avoid $12 monthly maintenance fee. Minimum $500 to open. Fees may reduce earnings. Foreign ATM fees of up to $20 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. Platinum Checking is a Consumer Checking account. $0.01 minimum balance to obtain APY.
3Signature Series Checking Annual Percentage Yields (APY) are accurate as of 03/30/2020. APY tiers apply to the following balances: 0.00% APY on balances of $0.00 to $49,999.99. 0.01% APY on balances of $50,000.00 up to $149,999.99. 0.01% APY on balances of $150,000.00 up to $249,999.99. 0.01% APY on balances of $250,000.00 and above. Rates and terms are applicable as of the accurate as of date in this disclosure and may change at the bank’s discretion. Keep minimum average daily balance of $50,000 or $100,000 in total relationship balance for the cycle month to avoid $9 monthly maintenance fee. Wire-in Domestic and Stop Payment fees waived when minimum average daily balance requirement is met. Minimum deposit to open account is $1,000. Fees may reduce earnings. Foreign ATM fees of up to $20 per monthly statement cycle will be refunded if at least one direct deposit per month posted within the monthly statement cycle. Signature Series Checking is a Consumer Checking account. $50,000 minimum balance required to obtain APY.