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Personal Checking>
At First International Bank & Trust, we take all your financial needs into account. Your checking account is probably the financial service you use most often. So it's important that you select the account that makes sense for you. We are pleased to provide a variety of checking accounts, each offering distinct benefits to you. More importantly, each account is supported by our highly trained team of customer service representatives who are always ready to answer your questions and help you select the account that meets your needs.

If you would like to place a check order with us, please click here.

Free Checking
  • Safekeeping of checks.
  • No minimum balance required.
  • No service charge.
  • Unlimited check writing.
  • Read the Disclosures regarding this account.
Championship Checking
  • Imaged checks included in monthly statement.
  • $3 monthly service charge if the average daily balance is below $500.
  • Unlimited check writing.
  • Read the Disclosures regarding this account.
First Club Checking
  • Check safekeeping or imaged checks included in your monthly statement.
  • No minimum balance required.
  • Monthly service charge of $7.00.
  • Complimentary FIB&T custom design checks available.
  • Fee waived on issuance of cashier's checks and money orders.
  • Complimentary copying service, limit 10 copies per month.
  • Unlimited check writing.
  • Read the Disclosures regarding this account.
Valu Plus Checking
  • Imaged checks included in your monthly statement.
  • No minimum balance required.
  • Unlimited check writing.
  • Receive $.10 credit toward the service charge for every $100 of the low balance each statement cycle.
  • $1.57 monthly service charge plus $.07 check charge for each check presented for payment.
  • Read the Disclosures regarding this account.
Interest First Checking
  • Tiered annual percentage yield and interest rate based on average daily balance:
    • Tier 1: $100 -$2,499.99
    • Tier 2: $2,500 – $99,999.99
    • Tier 3: $100,000-$499,999.99
    • Tier 4: $500,000 and up
  • Minimum deposit of $100 required to open the account.
  • Interest is compounded monthly and paid on the average daily balance.
  • Monthly statement.
  • Annual percentage yield and interest rate are subject to change at any time.
  • Two statement options:
    • E-Statements – A service charge of $4.95 each statement cycle the balance in the account falls below $100 any day of the statement cycle. Read the Disclosures regarding this account.
    • Paper Statements – A service charge of $9.95 each statement cycle the balance in the account falls below $100 any day of the statement cycle. Read the Disclosures regarding this account.
Additional Checking Account Features Available
  • Online Statements
  • First Reserve Loan
    Overdraft protection line of credit attached to your checking account.
    • Available on all checking accounts to qualified applicants.
    • No interest is charged until date of advance.
    • Automatically advances increments of $1000 or remaining available credit into your checking account when needed.
    • Automatically deducts monthly payments from your checking 24 days after your monthly statement generates.
    • Payment amount based on outstanding balance of loan.
    • A First Reserve Loan may be advanced automatically each time your account is overdrawn by writing a check, ACH, Point of Sale, or ATM transaction, telephone transfer, on-line banking transfer or in-person withdrawal.
    • For information regarding your Billing rights, click here.
    • How Finance Charges are Calculated
  • Savings Overdraft Protection
    • Upon request, automatic transfers from savings to checking accounts may be made to cover overdrafts at no charge.
    • No more than 6 automatic transfers from savings each monthly statement cycle.
  • Optional Combined Statement
  • CashCard
    • ATM Cards
    • Available on all checking accounts to qualified applicants, unless otherwise stated.
    • Withdraw cash at over 70,000+ automated teller machines around the country with the Cirrus or Plus symbols.
    • Transfer funds from one account to another.
    • Obtain balance information.
  • No Charge for Telephone Transfers
  • Check & CashCard
    • Debit/ATM card used for point of sale purchases or at ATMs.
    • Works just like your checkbook--only is easier, faster and more convenient.
    • Our Check & CashCard is accepted wherever you see the VISA sign.
    • Present our Check & CashCard, sign your name or enter a personal identification number, and the purchase is automatically deducted from your checking account. A description is printed on your monthly statement.
    • Available on all checking accounts to qualified applicants unless otherwise stated.
Property For Sale
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Check out the properties we have for sale.
Export Transactions
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First International Bank & Trust now offers the ability to download account information into Quicken® and QuickBooks®.
First International Bank & Trust © 2014
100 North Main
Watford City, North Dakota 58854
1-800-359-8092 webmaster@firstintlbank.com
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