Low-cost checking accounts in North Dakota

There are 15 Bank On certified checking accounts available to residents of North Dakota. Of those, 10 carry a $0 monthly maintenance fee and 15 charge no overdraft fees at all. 3 come from local or regional institutions rooted in North Dakota, while 12 are offered by national banks serving customers across the country.

Certified accounts
15
$0 monthly fee
10
No overdraft fees
15
Local institutions
3

Gate City Bank

BankOn Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Alliant Credit Union

High-Rate Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
80,000+

Alliant Credit Union

Teen Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
80,000+

Ally Bank

Spending Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
75,000+

nbkc bank

Everything Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
90,000+

Quorum Federal Credit Union

QFlex Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

First Interstate Bank

Simple Banking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

Service Federal Credit Union Dora

Everyday Checking Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
30,000+

Discover Bank

Cashback Debit Checking Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$0
Overdraft fees
None
Free ATMs
Not specified, but belongs to several surcharge-free ATM networks.

BNC National Bank No Overdraft

Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
Free
To open
$25
Overdraft fees
None
Free ATMs
25,000+

U.S. Bank

Safe Debit Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$4.95
To open
$25
Overdraft fees
None
Free ATMs
USA network

BMO

Smart Money Checking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$25
Overdraft fees
None
Free ATMs
40,000+

Horizon Bank

Fresh Start

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$25
Overdraft fees
None
Free ATMs
MoneyPass

Wells Fargo

Clear Access Banking

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$5.00
To open
$25
Overdraft fees
None
Free ATMs
10,000+

nbkc bank

Money Market Account

Bank On Certified
  • Online bill pay
  • Mobile check deposit
  • Debit card
Monthly fee
$12.00
To open
$0
Overdraft fees
None
Free ATMs
90,000+

Next steps for North Dakota residents