Checking

First National Bank Bemidji offers a variety of checking accounts and conveniences that allow you to customize your account to fit your needs. Please view our Checking Comparison Chart to easily compare the options to help you to choose the account that most closely meets your needs.

All of our non-interest bearing checking accounts come with the following benefits:

  • 1st Teller 24 ATM Card
  • No fee Debit MasterCard®
  • Free Online Banking
  • Free Bill Pay
  • View statements and check images
  • Mobile Banking – access your account information with your mobile device
    • Message and data rates may apply.

First Free Checking

A basic checking plan without minimum balance requirements.

First Checking

A checking plan that gives you more options.

First Plus Checking

A full-service checking plan that pays interest.

  FIRST FREE CHECKINGFIRST CHECKINGFIRST PLUS CHECKING

Minimum Opening Deposit

$100 $100 $100

Minimum Balance

None $400 $800
Monthly Fees None If daily balance goes below $400, there is a $5 Maintenance fee. If daily balance goes below $800, there is a $5 maintenance fee.
Statement Options
  • Issued monthly. Your checks are not returned. FNB maintains records and is able to provide a copy of your check if needed.
  • There is a $2 charge per check copy.
  • Issued monthly. Images of each check are included in your monthly statement.**
  • Issued monthly. Images of each check are included in your monthly statement.**

Earns a variable interest rate paid monthly based on the average collected balance.
** The size of the check images may be adjusted for easier viewing.
There is a $25 fee for any checking account closed within 180 days of opening.

Checking Reserve

A pre-approved line of credit can be tied to any of these checking accounts to provide overdraft protection. Please stop in at one of our three office locations to pick up a Checking Reserve Application or you may call 218-333-4320 and ask to receive it by US Mail.