Personal Checking Accounts

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.

Features & Benefits

First Interstate Day & Night Telephone Banking

Enjoy the convenience of First Interstate Bank's 24 Hour Day & Night Telephone Banking. With telephone banking you can; obtain balance information on your checking, savings, CD, or loan account; verify transactions on your account; and make account transfers.

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MoneyPass ATM Network

Access to free withdrawals at over 37,000 ATMs nationwide

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Unlimited Check Writing

Courtesy Overdraft⁴

Courtesy Overdraft helps protect your account against overdrafts so that, rather than experiencing the inconvenience of having your Debit Card declined during a transaction, you can authorize us to pay in overdraft situations.

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There is a $30 charge each time we pay an overdraft, and you will only be charged when you use the service. If your account remains overdrawn for four (4) consecutive business days (M-F) your account will be assessed a $35 fee. The $35 fee will be charged every 5th business day that the account remains overdrawn.

Overdraft Protection*⁴

Guard against returned checks with automatic transfer options. We offer a convenient way to protect you from the additional costs associated with returned checks. It's easy to make a mistake; let us help you protect yourself.

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Direct Deposit

Debit Card

Not only do you get to choose from a selection of great card designs, but as a First Interstate Mastercard® debit card holder, you can pay directly from your checking account while also receiving great Mastercard benefits including Zero Liability, and Mastercard Global Services™, amongst others.

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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
Official checks: $8.00
Incoming wires: $10.00
Foreign currency exchange: $15.00

Get started with a minimum deposit of $25.

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*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.

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

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.