Checking Accounts

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Share Draft Checking

Our share draft checking lets you enjoy all thechecking account perks of a checking account without the costs!
These accounts require no minimum balance, have no monthly service fee, direct deposit, Visa Instant Cash Cards, online bill pay, and unlimited check writing.

Overdraft Protection

10.95% APR*

This is a line of credit designed to help prevent overdrafts.
The funds are distributed in exact dollar amounts to the share draft account.
It is set up to take automatic monthly payments from the share draft account of either $25.00 or 5% of the balance, whichever is greater.
You have the option of paying the balance in full at any time.

Visa Instant Cash & Check Cards

These debit cards can be used Visa is girl holding credit cardaccepted.
You can use your card without a surcharge at any of our ATMs, located at:
Randy’s University Diner
Fargo South High School
Fargo North High School
Fargo Davies High School
Edgewood Vista

District Office/North Branch
South Branch 
The first eight ATM withdrawals per month are free, after eight there is a $1.00 fee per withdrawal.
There is no annual fee for having the card. For a list of additional ATMs click here


*Annual Percentage Rate. Rate is subject to change and is effective as of June 17, 2020.

If you have any other questions about our services, Contact Us.