Personal Checking Accounts

Simple Banking

Simple Banking is an affordable easy-to-use account for clients establishing a financial foundation.

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First Interstate Bank Simple Banking BankOn badge Certified 2025 - 2026

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.

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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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 Cycle⁷ will be charged and cannot be waived.

Checks not available
No overdraft fees
Overdraft protection options unavailable
Paper Statements: $2.00/Statement Cycle⁷
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.

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.