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Checking Accounts
All accounts are available with direct deposit, online banking, bill pay, Debit Card and Overdraft Protection.



McKenzie Free - As free and easy as checking can be!
  • $100.00 minimum balance to open account.
  • No minimum balance requirements.
  • No monthly service charge.
  • First 50 checks free.
  • Monthly statement.
  • Unlimited check writing.

Now Account - Dollars in this checking account don't sit idle, they grow!
  • $500 minimum balance to open account.
  • Earn interest with unlimited check writing.
  • Accrued interest credited to the account monthly.
  • A $500 balance must be maintained to avoid a $7 per statement cycle maintenance charge.
  • Monthly imaged statements.
  • Unlimited check writing.

Dakota Gold - Our standard checking account.
  • $400 minimum balance to open account.
  • Full time students or customers over 55 are not charged a maintenance fee.
  • Monthly imaged statements.
  • Unlimited check writing.
  • A $400 balance must be maintained to avoid a $5 per statement cycle maintenance fee.

Business checking
  • $250 minimum balance to open account.
  • This account is designed to serve our business customers professionally and efficiently.
  • Please check with one of our personal bankers for more information.

Money Market Account - Earn the highest rate of interest with checking privileges!
  • This account rewards large checking account balances with tiered interest rates.
  • A $2,500 balance must be maintained to avoid a $12 per statement cycle maintenance fee.
  • Limited amount of withdrawals.
  • Monthly imaged statements.
Non Profit Checking -
  • Designed especially for churches, service groups, clubs, associations with non-profit status.
  • No minimum balance.
  • No service charge.
  • Monthly imaged statement.
  • Unlimited check writing.
  • Federal identification number required.

Instant Cash and Check Card
This works just like writing a check and is accepted wherever VISA is accepted. You can use it for purchases or to withdraw cash from an ATM. Your transaction is automatically deducted from your checking account. Enjoy this hassle free way of using your checking account even when you are out of town.


Overdraft Protection
You can access your own personal line of credit with overdraft protection. Funds are automatically deposited into your checking account simply by writing a check or using your cash and check card. You can either pay it off in one lump sum, or the monthly payments on the principal balance are automatically deducted from your checking account.


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