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Personal Checking
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Apply for a Loan 
Locations and Appointments
Electronic Forms
Customer Privacy
Order ChecksSetting up a checking account is the first step towards payment convenience. Link it to a debit card and your savings account for overdraft protection and you’re ready for a convenient and seamless banking experience. Need a new account? Open one today anywhere, anytime, right now-online!
Consumer Checking Account Comparison
| myEmerge | mySummit | Money Market | |
|---|---|---|---|
Description | myEmerge A paperless account for those who love to manage their money digitally. | mySummit A tiered interest checking account for all ages. | Money Market A great low-minimum savings account. |
Interest | myEmerge none | mySummit Tiered interest rates Tier 1: $500-$24,999.99** Tier 2: $25,000+ Calculated on average daily balance; compounded & paid monthly. Inquire for rate. | Money Market Calculated on average daily balance; compounded & paid monthly. Inquire for rate. |
Checks | myEmerge price varies | mySummit Price varies (see perks below) | Money Market yes Basic Checks |
Paper Statement Fee | myEmerge yes $5* | mySummit yes $5*** | Money Market yes $5*** |
Digital Banking + Mobile Deposit | myEmerge yes | mySummit yes | Money Market yes |
Bill Pay + P2P | myEmerge yes | mySummit yes | Money Market yes |
Minimum Opening Deposit | myEmerge $100 | mySummit $100 | Money Market $1,000.00* |
Debit Card + Card Fraud Monitoring | myEmerge yes | mySummit yes | Money Market yes |
Extra Perks | myEmerge Discounted Provent® ID Theft ATM Fee Reversals of $10/month (excludes international w/ds) | mySummit All customers: ATM Fee Reversals of $10/month (excludes international w/ds) Perks for customers 50+ or with $25,000+ daily balance Free single checks (includes shipping) Free paper statement Discount on group trips Discounted Provent® ID Theft Fee-free money orders and cashier's checks Free movie matinee @ Perham Comet Theater (3rd Monday of the month). Click here to see what's playing! | Money Market ATM Fee Reversals of $10/month (excludes international w/ds) |
Details
* Waived with e-statements.
**If balance falls below Tier 1, no interest is accrued.
***Waived for customers 50+, with e-statements, and with 20+ debit card transactions per statement cycle (excludes ATM withdrawals).
All Checking Accounts Include
- Debit card (access cash via thousands of fee-free ATMs and add your card to your mobile wallet for convenience and security)
- Digital banking (includes services such as bill payment, mobile deposit, P2P, e-statements, and more!)
- Learn more about all of our services
- Ability to enroll in Round Up Savings
Prevent Embarrassment with Overdraft Protection
Avoid overdrafts and have an extra source of cash with a Checking Plus Credit Line attached to your checking account.
Learn more about Checking Plus
Meet Our Personal Bankers
Sandy, since 2000
Perham, MN
218-346-9784
Rhonda, since 2002
Dent, MN
218-346-9736
Patti, since 2004
Frazee, MN
218-334-5501
Brittany, since 2017
Frazee, MN
218-334-5501
Peggy, since 2013
Frazee, MN
218-334-5501
Tammy, since 2018
Perham, Main Branch
218-346-9768
Annie, since 2018
Dent, MN
218-346-9737
Amanda, since 2007
Perham, Main Branch
218-346-9761