Minnesota Bank & Trust Personal Checking Accounts

Choose the Account That’s Right for You! We offer a checking solution that fits your life.

PLATINUM CHECKING

An interest-bearing checking account that will earn you a premium interest just by keeping a minimum balance.

0.25% APY

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.

$0

Minimum Balance

$25 minimum deposit to open

SIGNATURE SERIES CHECKING

Receive a high interest rate on large balances and best benefits from our premium account.

0.20% APY

On Balances $250,000+3

ATM Fee Refunds3

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1$600 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. Bonuses only apply when opening a new consumer Platinum Checking or Signature Series Checking account at Minnesota Bank & Trust or MNBankandTrust.com during the promotional bonus period. The promotional bonus period is 6/8/2021-8/31/2021. 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 a $200 bonus, four minimum direct deposits of $1000 or more must be posted to your new checking account within 120 calendar days of account opening. Direct Deposit examples include payroll, pension, Social Security or other government benefits. A $200 bonus will be paid if the account has at least a $20,000 balance 90 calendar days after account opening. If 90th calendar day falls on a weekend or holiday, balance on the following business day will be used to qualify for the promotion. A $200 bonus will be paid if the account has at least a $20,000 balance on 1/14/2022. Bonuses will be paid by April 14, 2022. An IRS 1099 form may be issued. Only Platinum Checking and Signature Series Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion. Geographic restrictions may apply. Account opening is subject to approval. Minimum to open and APY given on a consumer checking account varies by product selected. For example, our Platinum Checking: Annual Percentage Yields (APY) are accurate as of 07/25/2021. 0.25% 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. Our Signature Series Checking Annual Percentage Yields (APY) are accurate as of 07/25/2021. APY tiers apply to the following balances: 0.00% APY on balances of $0.00 to $49,999.99. 0.05% APY on balances of $50,000.00 up to $149,999.99. 0.10% APY on balances of $150,000.00 up to $249,999.99. 0.20% APY on balances of $250,000.00 and above. Rates and terms may change after the account is opened. 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.

1$600 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. Bonuses only apply when opening a new consumer Platinum Checking or Signature Series Checking account at the Minnesota Bank & Trust Clive Branch or MNBankandTrust.com during the promotional bonus period. The promotional bonus period is 6/8/2021-8/31/2021. 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 a $200 bonus, four minimum direct deposits of $1000 or more must be posted to your new checking account within 120 calendar days of account opening. Direct Deposit examples include payroll, pension, Social Security or other government benefits. A $200 bonus will be paid if the account has at least a $20,000 balance 90 calendar days after account opening. If 90th calendar day falls on a weekend or holiday, balance on the following business day will be used to qualify for the promotion. A $200 bonus will be paid if the account has at least a $20,000 balance on 1/14/2022. Bonuses will be paid by April 14, 2022. An IRS 1099 form may be issued. Only Platinum Checking and Signature Series Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion. Only accounts opened in branch at the Minnesota Bank & Trust Clive Branch or MNBankandTrust.com qualify for the promotion. Geographic restrictions may apply. Account opening is subject to approval. Minimum to open and APY given on a consumer checking account varies by product selected. For example, our Platinum Checking: Annual Percentage Yields (APY) are accurate as of 07/25/2021. 0.25% 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. Our Signature Series Checking Annual Percentage Yields (APY) are accurate as of 07/25/2021. APY tiers apply to the following balances: 0.00% APY on balances of $0.00 to $49,999.99. 0.05% APY on balances of $50,000.00 up to $149,999.99. 0.10% APY on balances of $150,000.00 up to $249,999.99. 0.20% APY on balances of $250,000.00 and above. Rates and terms may change after the account is opened. 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.

1$300 bonus offer is not available to existing Bank Name consumer checking customers or those who have been paid a new account opening bonus since January 1, 2018. Bonuses only apply when opening a new consumer Platinum Checking or Signature Series Checking account at Minnesota Bank & Trust or MNBankandTrust.com during the promotional bonus period. The promotional bonus period is 6/8/2021-8/31/2021. 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 a $100 bonus, four minimum direct deposits of $500 or more must be posted to your new checking account within 120 calendar days of account opening. Direct Deposit examples include payroll, pension, Social Security or other government benefits. A $100 bonus will be paid if the account has at least a $10,000 balance 90 calendar days after account opening. If 90th calendar day falls on a weekend or holiday, balance on the following business day will be used to qualify for the promotion. A $100 bonus will be paid if the account has at least a $10,000 balance on 1/14/2022. Bonuses will be paid by April 14, 2022. An IRS 1099 form may be issued. Only Platinum Checking and Signature Series Checking accounts are eligible for this promotion. No other checking accounts are eligible for the promotion. Geographic restrictions may apply. Account opening is subject to approval. Minimum to open and APY given on a consumer checking account varies by product selected. For example, our Platinum Checking: Annual Percentage Yields (APY) are accurate as of 07/25/2021. 0.25% 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. Our Signature Series Checking Annual Percentage Yields (APY) are accurate as of 07/25/2021. APY tiers apply to the following balances: 0.00% APY on balances of $0.00 to $49,999.99. 0.05% APY on balances of $50,000.00 up to $149,999.99. 0.10% APY on balances of $150,000.00 up to $249,999.99. 0.20% APY on balances of $250,000.00 and above. Rates and terms may change after the account is opened. 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.

2Annual Percentage Yields (APY) are accurate as of 07/25/2021. 0.25% 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 07/25/2021. APY tiers apply to the following balances: 0.00% APY on balances of $0.00 to $49,999.99. 0.05% APY on balances of $50,000.00 up to $149,999.99. 0.10% APY on balances of $150,000.00 up to $249,999.99. 0.20% 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.