Take Control Of Your Money

Depending on your financial situation and goals, we will help identify a personal checking account that benefits you personally. With the help of a suite of benefits, each of our checking accounts allow for easy, secure access to your cash and the flexibility to manage your money the way you want.

If you’re unsure which account is best for you, our team will conduct a careful review of your situation to ensure the right choice is made.

All BlackRidgeBANK checking accounts offer free mobile and online banking, automatic bill pay, and free ATM/Debit card.

Fargo Checking

  Peak Checking Summit Checking
Opening Balance Requirement $0 $500
Minimum Balance/Service Charge 1 $0 $500/$5.00 per month if below minimum balance 
Free Online Banking Yes Yes
Free Online Bill Pay Yes Yes
E-Statements Yes Yes
ATM/Debit Card 3 / 4 Yes Yes
Checks Available Yes Yes
Interest Earned 2   Yes
Closing Fee Within 6 Months $25 $25

Bismarck Checking

  Peak Checking Summit Checking
Opening Balance Requirement $0 $500
Minimum Balance/Service Charge 1 $0 $500/$5.00 per month if below minimum balance 
Free Online Banking Yes Yes
Free Online Bill Pay Yes Yes
E-Statements Yes Yes
ATM/Debit Card 3 / 4 Yes Yes
Checks Available Yes Yes
Interest Earned 2   Yes
Closing Fee Within 6 Months $25 $25

Alexandria Checking

  Peak Checking Summit Checking
Opening Balance Requirement $0 $500
Minimum Balance/Service Charge 1 $0 $500/$5.00 per month if below minimum balance 
Free Online Banking Yes Yes
Free Online Bill Pay Yes Yes
E-Statements Yes Yes
ATM/Debit Card 4 Yes Yes
Checks Available Yes Yes
Interest Earned 2 Yes
Closing Fee within 6 Months $25  $25

Brainerd Lakes Area Checking

  Peak Checking Summit Checking
Opening Balance Requirement $0 $500
Minimum Balance/Service Charge 1 $0 $500/$5.00 per month if below minimum balance
Free Online Banking Yes Yes
Free Online Bill Pay Yes Yes
E-Statements Yes Yes
ATM/Debit Card4 Yes Yes
Checks Available Yes Yes
Interest Earned 2 Yes
Closing Fee within 6 Months  $25 $25

(1) Fees may reduce earnings.   (2) Interest earned based on the daily balance method. Rates may change at anytime.  (3) For our banks in North Dakota, BlackRidgeBANK will not charge you a fee for withdrawing funds from any ATM nationwide, but the owner/operator of the ATM may.  BlackRidgeBANK will refund the amount of the owner/operator's fee automatically up to $12.00 monthly per card.  (4) Debit and ATM card subject to approval. (5) For customers 50 years of age or above.