Business Checking

Basic Low Volume

Simplicity, value & convenience for businesses with a lower amount of banking activity.

Business Debit Card

For owners & authorized employees, easy spending control, account monitoring & fraud protection.

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Online/Mobile Banking

FREE, 24/7 account access & administrative control with Bill Pay, eStatements, Mobile Deposit & more

Value-Based, Low Volume Checking

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  • Low Volume, No Interest Checking
  • Popular option for businesses with less activity and basic needs
  • No minimum monthly balance
  • No monthly maintenance fee with eStatements
  • 150 free total transactions per statement cycle1
  • Debit Mastercard® with Zero Liability® Protection
  • Access to 33,000 surcharge-free MoneyPass® ATMs
  • FREE Online and Mobile Banking, Bill Pay and more


Low Volume + Interest
Low Volume + Interest

Perfect for businesses with lower-volume transactions who want to earn interest on your balances.

High Volume + Interest
High Volume + Interest

Businesses with higher volume and higher balances can benefit from this interest bearing checking account.

High Volume +<br>Earnings Credit
High Volume +
Earnings Credit

Ideal for higher transaction volume and complex cash management needs.

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Ready Cash Access & Spending Control

FREE Debit Mastercard®

Instant purchasing power for authorized employees with built-in administrative controls and fraud protection you can trust. Issue cards to employees, set individual spending limits and monitor transactions with easy text and email alerts. Lock and unlock lost or stolen debit cards online. You’ll also gain access to 33,000+ surcharge-free MoneyPass® ATMs nationwide. 

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First PREMIER Bank
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Small Business

Learn about the fundamentals of financing a small business, including business plans, balance sheets and credit with our interactive module.

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Security & Fraud Protection

Find out how First PREMIER helps protect you against fraud and how to protect your small business.


Why Bank with First PREMIER?

As a debt-free, privately owned $2 billion bank, First PREMIER is one of the strongest capitalized banks in the country. We ranked 17th in the nation for banks with more than $1 billion in assets by American Banker Magazine. We are consistently ranked as a top-performing banks for asset size by the American Banking Association's Banking Journal.

Our integrated business model bridges business banking with our treasury and asset management teams. We work together to provide market-leading banking, lending and treasury services solutions that are "right-sized" for business needs and flexible to scale for future growth.

Our bankers take the time to learn about you. Once they understand your business goals, they will help you find the banking products and financial solutions that fit your needs today, and support you as your business grows.

Our secure Online and Mobile Banking gives you 24/7 access over your accounts with multi-tiered security and administrative control. Enjoy great features including eStatements, Bill Pay, account alerts & notifications, debit card lock and unlock, administrative controls and more! Our Debit Mastercard® and Business Rewards Mastercard® credit cards also work with mobile wallet technology. Best of all, First PREMIER Business Online and Mobile Banking are FREE of charge to First PREMIER Banking customers.

We serve local, regional and national clients with pride. First PREMIER is the 14th largest ACH Originating Bank in the USA and the 12th largest issuer of Mastercard® in the country. We are also honored to have served as the bank for the State of South Dakota for 20+ years (1999), as well as the bank for the City of Sioux Falls for 15+ years (2004).

We serve our local, regional and national clients with pride and personal customer care. We are active supporters of more than 600 charities and non-profits. Last year alone, our associates contributed over 32,000 hours of community service. We also take care of our employees. From 2015-2020, we were ranked as one of the Best Banks to Work For by American Banker and Best Companies Group.


{1} First PREMIER Bank will assess a cost-per-excess transaction fee over transactions allowed per statement cycle. First PREMIER Bank will assess a withdrawal charge of $0.20 per item. "Withdrawal" refers to any transaction whether initiated in person, by check, draft or similar paper instrument, or any transaction initiated electronically through electronic funds transfer. Withdrawal fees to not apply to transactions made using a First PREMIER Bank Debit Card, transactions initiated through wire transfer, transactions initiated through Online Bill Payment, or transfers initiated through Business Online Banking. First PREMIER Bank will assess a withdrawal charge of $0.20 per item. “Deposit" refers to all deposit transactions. Deposits do not include transactions made at an ATM, through Remote Deposit or Mobile Deposit, or transfers made through Business Online Banking. "Transaction" refers to any combination of items, paid or unpaid, including paper and electronic.

{2} At our discretion, we may change the interest rate daily. Interest is calculated using the daily balance method. Interest is compounded.

{3} Interest not paid for the days the balance falls below $500.