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Personal Checking Accounts

Here’s to saving, spending, and keeping every day happening.

What do I need to open an Account?

Premier Checking

Premier Checking is designed to offer you everything you need to manage your investments while earning interest on your balance. Pay bills1 and manage your account from anywhere, anytime. Premier Checking is a perfect choice if you want the broad spectrum of banking tools and features we offer at your fingertips.

Premium Benefits

  • No charge for gift cards ($3.95 value)
  • No charge for official checks ($8.00 value)
  • No charge for incoming wires ($10.00 value)
  • 0.50% Consumer loan discount* (dealer-financed contracts ineligible)
  • Unlimited free non-First Interstate ATM transactions5

Fees & Information

A $25 service charge per Statement Cycle7 will be waived with one of the following:

  • You maintain a $10,000 minimum daily balance during your Statement Cycle7
  • You maintain a $50,000 minimum daily balance in combined deposit account balances8 during your Statement Cycle7

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Select Checking

Select Checking is one of our most inclusive checking accounts for clients looking for added features while earning interest. With Online Banking, you can manage your account from anywhere, anytime. Select Checking is a great choice if you're looking for a full-service checking solution with convenient access to your funds.

Fees & Information

A $15 service charge per Statement Cycle7 will be waived with one of the following:

  • You maintain a $1,500 minimum daily balance during your Statement Cycle7
  • You maintain a $5,000 minimum daily balance in combined deposit account balances8 during your Statement Cycle7
  • The primary account holder is 60 years of age or older

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Basic Checking

Basic Checking is a great choice for active, online clients who are always on the go. You can fully manage your account from anywhere, anytime with direct deposit, bill pay1, online banking, mobile banking, and electronic statements.

Fees & Information

  • A $5 service charge per Statement Cycle9 will be waived with one of the following:
    • You utilize direct deposit during the Statement Cycle9
    • You maintain a $250 minimum daily balance during Statement Cycle9
    • One of the account owners is 14 to 23 years of age
  • Paper statements: $2.00/Statement Cycle9
  • Gift cards: $3.95
  • Official checks: $8.00
  • Incoming wires: $10.00
  • Foreign currency exchange: $15.00

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Simple Banking

Simple Banking is an affordable easy-to-use account for clients establishing a financial foundation. Designed to be check and overdraft free, big surprises will be a thing of the past. Access and control your account with direct deposit, Mastercard® debit card, online banking, mobile banking, and free electronic statements. Convenience without worrying about overdraft fees.

Fees & Information

A $5 service charge per Statement Cycle7 will be charged and cannot be waived.

  • Checks not available
  • No overdraft fees
  • Overdraft protection options unavailable
  • Paper Statements: $2.00/Statement Cycle7
  • Gift cards: $3.95
  • Official checks: $8.00
  • Incoming wires: $10.00
  • Foreign currency exchange: $15.00

Stop by any First Interstate Bank branch and one of our bankers will assist you in opening your account.

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BankOn National Account Standards 2021-2022 Approved

Extra Features & Benefits

Earns Interest2
.05%

Bonus on CDs3
.10%

Bonus on CDs3

World Debit Mastercard

Debit Card

Telephone Banking

ATM Use

Free Checks6

Unlimited Check Writing

Courtesy Overdraft4

Overdraft Protection*4

Direct Deposit

$5 Safe Deposit Box Discount


This orange checkmark identifies that a benefit is part of this corresponding account type.

*Subject to approval
1Free; 40¢/payment in excess of 20/month.
2Rates subject to change
3Excludes CD specials
4Fees apply
5ATM issuer may charge a separate fee
6Premier Checking clients receive one free order of checks (default style and count) per calendar year. Select Checking clients receive their first order of checks (default style and count) free upon account opening or conversion.
7The length of each Statement Cycle varies depending on the month, but the cycle is approximately 30 days. Each statement will show the Statement Cycle’s start and end date in the Account Summary next to the “Beginning Balance” and “Ending Balance” disclosures. Please contact us if you need to adjust the dates of your Statement Cycle.
8Combined deposit account balances will include this account along with any linked checking, savings, and CD and/or IRA balances held by the same account owner.
9The length of each Statement Cycle varies depending on the month, but the cycle is approximately 30 days. Each statement will show the Statement Cycle’s start and end date in the Account Summary next to the “Beginning Balance” and “Ending Balance” disclosures. You may incur a service charge if a monthly direct deposit falls outside of the Statement Cycle. Please contact us if you need to adjust the dates of your Statement Cycle.

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It multitasks as a checkbook and ATM card.

Stop carrying checks and conveniently make purchases straight from your checking account using our First Interstate Debit Card. It doubles as your ATM card and protects against unauthorized charges.

Learn about Debit Cards

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You’re loyal. We’re loyal. Let’s reward that.

With the First Interstate FirstRewards® World Mastercard® credit card you earn 1.5 points for every net dollar spent in purchases.† Points add up fast and can be redeemed for practically anything you could imagine.

Get FirstRewards

†To qualify, purchases must be retail transactions. Transactions not included in this offer are balance transfers, cash advances, ATM transactions, convenience checks, and foreign transactions. Earn points on net purchases less credits, returns, and adjustments. For complete details including rewards program terms and conditions, visit rewards.firstinterstatebank.com.

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