Minnesota sits in the middle of the national picture with 27 certified checking accounts — #32 of the 51 states and territories we track, against a median of 32. Only 6 of those come from an institution rooted in Minnesota; the other 21 are national banks whose accounts appear on every state list. At 22% local against a 36% median, Minnesota leans unusually hard on national providers.
19 of the 27 carry a $0 monthly maintenance fee; the 8 that do charge run from $4.95 to $20 a month. 20 can be opened with $0 on deposit, and the largest opening deposit asked anywhere on this list is $1,000. 23 run no overdraft program at all; the other 4 still cannot charge overdraft or NSF fees on the certified account itself and offer coverage only as a separate service you would have to opt into.
Of the 6 state-based listings, the most come from American National Bank, Citizens Community Federal and Gate City Bank.
Great Southern Bank Foundations
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Contact bankBCU
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyLendingClub
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyCapital One
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyMidWestOne Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAmerican National Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFirst National Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyGate City Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyCitizens Community Federal
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyChase
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Applynbkc bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyFirst Interstate Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyDiscover Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBank of America
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAlly Bank
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAlliant Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyAlliant Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyQuorum Federal Credit Union
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyLake Central Bank E-Checking
Costs you per year
$0.00
No monthly maintenance fee.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyU.S. Bank
Costs you per year
$59.40
$4.95 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyStearns Bank, N.A.
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyHorizon Bank
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyBMO
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyWells Fargo
Costs you per year
$60.00
$5.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyOld National Bank
Costs you per year
$83.40
$6.95 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Applynbkc bank
Costs you per year
$144.00
$12.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
ApplyUMB Bank
Costs you per year
$240.00
$20.00 a month, every month.
Out-of-network ATM fees are not included — we do not hold that figure per account.
Apply