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Your personal checking account is a constant companion. Like a good friend, it’s there when you need it, where you need it. But how do you find the best checking account? When comparing checking accounts, keep these three things in mind:

1. Low fees

Get to know the services and features that come with your checking account, so you know what you’re paying for and how much. Knowing upfront about extras versus standard features can help you determine whether it’s right for your needs and lifestyle — or if it’s time to upgrade.

2. Excellent service

A checking account is more than the features it offers. If you’re new to community banking, we think you’ll be delighted and surprised by how we do things at Minnwest Bank. When you have banking questions or need a little troubleshooting, our friendly bankers are here to help. We pride ourselves in getting to know our customers on a personal level, giving our bankers the ability to offer recommendations based on your unique situation, versus a one-size-fits all approach. Call or stop in during business hours.

3. Easy access

All Minnwest Bank accounts come with a Mastercard® Debit card, require $100 to open, along with free access to online banking, with convenient features like bill pay and mobile deposits. Minnwest also provides nationwide access to a surcharge-free ATM network. Find one near you with the MoneyPass® Network so you can access cash wherever you are.

Comparing checking accounts: Which is best for you?

Who has the best checking account? Here’s a look at the lineup of checking accounts we offer at Minnwest Bank. Whether you’re just starting out or managing a growing household, our checking products offer something for everyone.

Let’s start comparing.

Looking for just the basics? Here’s Minnwest Classic Checking

If you’re looking for the perfect, no-frills starter account, look no further. Minnwest Classic Checking has many of the features you need, while also letting you exercise options that would eliminate fees.

  • No minimum daily balance.
  • $2 monthly service charge waived if enrolled in online statements.
  • Earn credits to cover non-network ATM fees by using your debit card.

Online and on the go: Minnwest Digital Checking¹ account

Excellent for anyone who’s starting out and on the go, this option makes day-to-day planning and management so much easier. Minnwest’s Digital Checking, an exclusive online account, has all the features and tools you’re looking for and none of the fees.

  • No monthly service charges.
  • Get rewarded with higher interest when meeting account qualifications

An extra layer of protection: Minnwest Preferred Checking

At Minnwest, we’re serious about educating customers about protecting themselves against fraud. We know that you use your checking account to live your daily life, and a security breach can create headaches and hassles that take months or even years to resolve. That’s why we strongly recommend Preferred Checking because it has the additional features that protect your account — and your identity. Our Pre

That’s where the IDProtect Service®2 comes in. For less than the cost of your favorite streaming service, IDProtect monitors and protects your identity along with any joint account holders. If someone steals your identity, you’re covered, even if the bad actors never touch your Minnwest Bank account.

Preferred Checking, which has a $5.95 monthly service charge, also comes with cellular telephone protection³, which will give you some coverage if your mobile device gets damaged or stolen.

You've come far: Minnwest Platinum Checking

As you grow into your life, you’ll need the right financial product that meets your needs. When your combined Minnwest Bank balances reach $25,000 (savings, checking, CDs, personal loans and line of credit), you’re eligible for a Platinum Checking Account. Because you’ve come this far, you deserve some perks, including:

  • A competitive monthly interest rate earned on checking balances.
  • Up to 1% cashback on purchases. 4
  • $10 monthly service charge waived if minimum balance met.

What about Overdraft Protection?

At Minnwest Bank, we know our customers don’t like surprises when it comes to their money. This is why the default setting on each checking account declines ATM withdrawals and purchases if there isn’t a sufficient balance to cover it. When it comes to your checking account, you can choose to leave it that way. Or you can set up your account to exercise other options:

  • Opt in to authorize overdrafts, which allows Minnwest to cover your overdrafts and assess a fee.
  • Automatically transfer funds from your savings account to cover your purchase.
  • Apply for an overdraft line of credit.

Best options, top-notch service

When it comes to your money, it’s good to know that the experts at Minnwest Bank are right in your community. If you’re looking to take your money to the next level, our personal bankers are here to help you get things done.

With our checking account options, you'll find an account that fits your lifestyle, all with the ease and convenience of opening an account online in under 15 minutes. Learn more about our personal checking accounts and other convenient online and digital services today!

1 Minnwest Bank Digital Checking is not available to open in branch and is only available to open online.

2 IDProtect service is a personal identity theft protection service available to personal checking account owner(s) and their joint account holders. Service is not available to clubs, organizations and/or churches and their members, schools and employees/students. For revocable grantor trusts, the service is available only when a grantor is serving as a trustee and covers the grantor trustee(s). For all other fiduciary accounts, the service covers the beneficiary, who must be the primary member (Fiduciary is not covered). Minnwest Preferred Checking is not available to businesses.

3 Cellular telephone bill must be paid through this account. Special Insurance Program Notes: The descriptions herein are summaries only. They do not include all terms, conditions and exclusions of the policies described. Please refer to the actual policies for complete details of coverage and exclusions. Insurance is offered through the company named on the certificate of insurance. Guide to Benefit is provided at account opening.

4 POS items processed through ACH may not be included in the 1% cash back reward. Purchases must be made with the debit card associated to your Platinum Checking accounts. Monthly cash back reward will be credited to your account on the last business day of your statement cycle.

 

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