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Personal Checking

Flexible personal checking accounts with FREE Online and Mobile Banking, Bill Pay, Mobile Deposit and more.
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FREE+ Checking

Our FREE+ Checking account comes with no hidden surprises, hassles or monthly maintenance fees.

Reward Checking

Maintain a total monthly deposit relationship of $15,000 and gain benefits like free checks, reward rates on CDs and more.

Debit Card

This secure and easy payment method gives you access to 37,000+ surcharge-free ATMs nationwide.

Overdraft Protection

Ensure your personal checking account has sufficient funds to cover payments and purchases.

Security & Fraud Protection

Learn how First PREMIER protects you and how to protect yourself from security breaches and fraud.
Online & Mobile

Online & Mobile

First PREMIER Online and Mobile Banking are FREE and feature-rich, giving you 24/7 access and control over your accounts.
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Online Banking

Check balances, transfer funds, pay bills, view your statements any time.

Mobile Banking

Our mobile app puts the features of Online Banking in your hand.

Bill Pay

Schedule and make payments securely Online or via Mobile Banking.

Mobile Deposit

Use our Mobile Banking app to make deposits using your mobile phone.

Electronic Bank Statements

Secure electronic statements you can print, download and use for record keeping.

Mobile Wallet

Link your debit card to a Mobile Wallet to speed your way through checkout.

Personal Financial Management

Analyze spending patterns, plan a budget and more with these free tools.

PREMIER Pay

Easily and securely transfer funds from your account to someone else using online and mobile banking.

Free Credit Score

Use our online and mobile banking Credit Score tool to help you make informed financial decisions.
Savings & CDs

Savings & CDs

Keep ready cash on hand with an array of savings options from First PREMIER Bank.
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Regular Savings

A traditional, FDIC-insured savings with free Online and Mobile Banking.

PREMIER Money Market

For higher balance accounts - the bigger the balance, the higher the rate.

Certificates of Deposit

Competitive rates and an array of term options on CDs.

IRA Savings & CDs

A simple, tax-advantaged way to build up funds gradually for retirement.

Kids Savings

The PREMIER Kids Club Savings account helps kids 12 and under learn the value of saving early.
Loans & Credit Lines

Loans & Credit Lines

Planning a large purchase or consolidating debt? We have competitive rates on personal loans and flexible lines of credit!
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Personal Loans

Competitive rates on personal, auto, home improvement, debt consolidation loans and more.

Personal Lines of Credit

Enjoy flexible, easy access to cash when you need it most. Select from several, flexible options.

Easy Access Line of Credit

Get extra purchasing power and cash when you need it with a basic, revolving line of credit.

Home Equity Line of Credit

Fund home improvements, consolidate debt or other expenses with this secured line of credit.

Advance Access Line of Credit

For higher income individuals, extra spending flexibility and payment options you’ll love.

Loan Payment Options

When it comes to making your loan payment you have several free and easy options.
Mortgages

Mortgages

Competitive rates for home mortgages, construction loans, refinancing and more.
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Apply for a Mortgage

Apply for a mortgage online today and receive fast processing, online status reporting and personal support.

Buying or Building a Home

Competitive mortgage rates with online application, fast processing, local decisioning and personal support.

Refinancing a Home

Leverage your home equity to help fund home projects, gain more favorable rate and terms or consolidate debt.

Jumbo Mortgage Loans

First PREMIER Bank specializes in jumbo loans with competitive mortgage rates and fees.
Investing

Investing

Simple-to-complex investing, financial and retirement planning and investment management for investors at any life stage.
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Brokerage Services

Investing made easy, with online access and personal advice and support.

Retirement Planning

Retirement plans and plan rollover support for individual investors.

Insurance

Protect and provide for loved ones with life and disability insurance.

Financial & Investing Resources

An array of helpful articles, videos, presentations and tools.
Wealth Management

Wealth Management

Private banking, hands-on financial and investment planning, portfolio management, estate planning and personal trust services.
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Private Banking

Concierge-style, private banking for higher net-worth individuals.

Financial Planning

Comprehensive financial and investment planning services.

Personal Trust Services

Protect your assets and provide for the people and causes you care most about with an estate plan or personal trust.

Managed Investing

Hands-on investment management from seasoned, experienced investment specialists.

Trusts in South Dakota

Learn about the unique opportunities and benefits realized by establishing your trust in the state of South Dakota.
Students & Parents

Students & Parents

Explore our unique offerings for students and parents. From college checking accounts to paid internships and scholarships.
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Dakota State University Debit Card

Show your love for Dakota State University and give back to the university’s foundation with a First PREMIER Bank DSU Debit Mastercard.

Student Loans

Undergraduate and Graduate Student Loan options through our partner, Ascent. No application fee and flexible repayment options.

Regular Savings

First PREMIER Bank

Start Saving Today

This traditional savings account is a great option for first-time or everyday savings. Your account
can also be used for personal overdraft protection¹ and comes with FREE Online and Mobile Banking.
(You must be a resident of South Dakota, Iowa, Nebraska or Minnesota to apply online.)

Apply Now

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Account Features

Online and Mobile Banking
Free Bill Pay¹ and Mobile Deposit
Easy transfers between First PREMIER Bank accounts
Usable for personal overdraft protection¹
Access to 37,000+ surcharge-free MoneyPass® ATMs
FDIC Insured
Access free financial tools and Credit Score

CONTACT US

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Rates & Requirements

Variable interest rate
Withdrawal limitations apply¹
$50 minimum opening balance

View Rate

Get Started!

It's easy to get started today with our simple, secure online application.

Apply Now

More Savings Options

PREMIER Money Market

Earn higher interest on higher balance savings with a PREMIER Money Market account. Open an account today with a minimum deposit of $500 and watch your money grow.

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First PREMIER Bank

Overdraft Protection

Ensure funds are in place to cover transactions. Use your savings account as overdraft protection¹.

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Saving for Kids

Teach your kids how to save for the future and watch their money grow.

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Disclosures

{1} Savings withdrawals are generally limited to six per month. You may make an unlimited number of withdrawals when made in person, by mail or at an automated teller machine (ATM). If the monthly withdrawal limit is exceeded, a fee of $1 for each excess withdrawal will be assessed. Fees can reduce earnings on the account.