Secure Account Sign In

Checking Accounts

Open a checking account that works best for your lifestyle and banking goals. Regardless of the First International Bank & Trust checking account you choose, it includes features and assistance from our customer service team.


Choose the account right for you

Use this tool to help you choose the best account for your lifestyle.

Do you primarily access your funds with a debit card or by writing checks?

Debit Card Checks Other

Do you utilize an ATM for cash on a monthly basis?

Yes No

Do you currently view your accounts online or through a mobile application from home or while on the go?

Yes No

Do you prefer timely safe and secure receipt of your monthly statements?

Yes No

Do you plan to regularly keep a balance of $5,000 in your account?

Yes No

    

Thank you for completing the questionnaire. Based upon your feedback, we recommend the Account for you.

Learn more

Start Again?

Regardless of the First International Bank & Trust checking account you choose, it includes handy features and assistance from our customer service team. Checking accounts inlude:

Online
Account
Access
Mobile
Friendly
Service
ATM /
Debit Card

Advantage Account

Earn a premium interest rate, plus additional advantages

Maintain $5,000 minimum daily balance to receive a refunded monthly service charge AND get up to $25 in refunded ATM fees automatically per statement cycle. Plus, take advantage of higher interest rates with qualifying loan relationships.

  • Learn more about Advantage Checking

    • Minimum Opening Deposit: $5,000
      Monthly Service Charge: $12.95

      Additional Advantages:

      • Up to $500 off closing costs for first mortgage3
      • Special credit card offer
      • Free first year rental of safe deposit box Up to $15 credit/based on availability

Open Advantage Account

Truth in Savings Disclosure Advantage Account

Rewards Account

Enjoy rewards for simply using your account

Perks come effortlessly when you spend using your rewards account. Simply sign up for e-statements, receive a monthly direct deposit, or make a mobile check deposit monthly. Spend more than $500 each statement cycle to receive refunds on ATM fees and cash rewards.

  • Learn more about Rewards Checking

    • Minimum Opening Deposit: $100
      Monthly Service Charge: $5.95

      Additional Advantages:

      • Up to $250 off closing costs for first mortgage3
      • Special credit card offer

Open Rewards Account

Truth in Savings Disclosure Rewards Account

Essential Account

Back to Basics

Everything you need with a simple account. Simply sign up for e-statements, receive a monthly direct deposit, or make a mobile check deposit monthly to receive a refund on your monthly service charge.

Open Essential Account

Truth in Savings Disclosure Essential Account

Accounts at a Glance

 Essential AccountRewards AccountAdvantage Account
Minimum Opening Deposit$0$100$5,000
Monthly Service Charge$7.95$5.95$12.95
Free Debit Card   
Free Book of Checks   
CardValet® App   
Online and Mobile Banking1   
Mobile Check Deposit1   
Standard Bill Pay1   
Zelle ® Person to Person Payments   
eStatements   
Credit Card with uChoose points2   
Exclusive Credit Card Offers   
Cash off closing costs for first mortgage3   
Getting Started Perk   
You’ve Earned It Perk   
Earn cash back on monthly spending   
Earn interest on your balance   
 

Open Essential Account

Open Rewards Account

Open Advantage Account


Debit Cards

An easy and convenient way to pay

Make payments easy and accessing cash convenient with your debit card. Available on all checking accounts to qualified applicants, unless otherwise stated.

Debit / ATM Card
  • Withdraw cash at more than 70,000+ automated teller machines around the country with the Cirrus or Plus symbols.
  • Transfer funds from one account to another.
  • Obtain balance information.
  • Works just like your checkbook - only easier, faster and more convenient.
  • Accepted wherever you see the Visa® sign.
  • Available on all checking accounts to qualified applicants unless otherwise stated.

Explore Debit Cards


Overdraft Coverage Options

We make it easy to avoid overdraft fees on your account

Take some of the work and worry out of managing your cash flow. Choose the overdraft protection coverage that works best to protect your accounts from costly and inconvenient overdraft fees.

  • Learn more about Overdraft Coverage

    • Take some of the work out of managing your cash flow. Protect your accounts from costly and inconvenient overdraft fees.

      Overdraft Protection Link to Another Deposit Account
      Arrange to make automatic transfers from your savings to your checking account when your balance falls below zero.

      Overdraft Protection Line of Credit (First Reserve Loan)
      Attach a First Reserve Loan line of credit to your checking account that provides overdraft protection.

      Overdraft Privilege
      Unexpected overdrafts occur from time to time.


      Overdraft Coverage Cost


      SERVICECOST
      Overdraft Protection Link to Another Deposit Account you have at First International Bank & Trust1$0 fee per transfer.
      Overdraft Protection Line of Credit1,2$0 fee per advance, subject to 21.00% APR on advances.
      Overdraft Privilege$30 Paid Overdraft Item Fee per item. Daily fee may apply.
      1Contact us at (800) 359-8092, or stop by a branch to sign up or apply for these services. 2Subject to credit approval.

      Overdraft Privilege

      If you want to authorize and pay overdrafts caused by ATM and everyday debit card transactions (Extended Coverage), tell us by using one of the following methods:

      • Complete the online consent form by logging into online banking
      • Call 1-800-359-8090
      • Print the online consent form in online banking and mail it to:
        PO Box 607, Watford City, ND 58854
      • Visit one of our convenient local branches

      Learn more about Overdraft Privilege.
      Complete disclosures available here.

      Note: Business accounts automatically have access to Overdraft Privilege for ATM and everyday debit card transactions (Extended Coverage).


Getting Started Perk:

If you are age 23 or younger and receive your statements electronically, you will receive an automatic service charge refund and either a minimum ATM refund of up to $10 or a maximum of $15 if you have more than $1,500 in debit card spend each statement cycle.

You’ve Earned It Perk:

If you are age 55 or better, you will receive an automatic service charge refund each statement cycle. Should you choose to receive mailed paper statements instead of electronic delivery, you will receive an automatic refunded mailed paper statement fee each statement cycle.