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 that's right for you
Use this tool to help you choose the best account for your lifestyle.
Thank you for completing the questionnaire. Based upon your feedback, we recommend the Account for you.
Regardless of the First International Bank & Trust checking account you choose, it includes handy features and assistance from our customer service team. Checking accounts include:
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.
Enjoy rewards for simply using your account
Perks come effortlessly when you spend using your rewards account. Simply receive your account statement electronically, receive a monthly direct deposit, or make a mobile check deposit monthly and spend $500 or more with your debit card each statement cycle to receive refunds on ATM fees and cash rewards.
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.
Accounts at a Glance
|Essential Account||Rewards Account||Advantage Account|
|Minimum Opening Deposit||$100||$100||$5,000|
|Monthly Service Charge||$7.95||$5.95||$12.95|
|Free Debit Card|
|Free Book of Checks|
|Online and Mobile Banking1|
|Mobile Check Deposit1|
|Standard Bill Pay1|
|Zelle ® Person to Person Payments|
|Credit Card with Live First points2|
|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|
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.
- 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.
Overdraft Coverage Options
Avoid overdraft fees on your account
Take some of the work and worry out of managing your cash flow. Choose the overdraft coverage that works best to protect your accounts from costly and inconvenient overdraft fees.
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.
Who is FIBT?
First International Bank & Trust (FIBT) is a full-service, family-owned, independent community bank serving a wide range of communities across North Dakota, South Dakota, Minnesota, and Arizona.