Receive a $300 Bonus with FIBT Checking
Open a new checking account online with e-statements and qualifying direct deposits and we'll deposit $300 into your account!
1.
Select your preferred FIBT checking account and apply online using the Open Now buttons below. It takes just minutes!
2.
Set up and receive $3,000 or more in qualifying direct deposits within 90 days of account opening. Enroll in electronic statements.
3.
Get rewarded! Meet the requirements and we'll deposit $300 into your account on Day 91.
Find the Perfect Checking Account
At First International Bank & Trust (FIBT), we offer checking accounts designed to fit your lifestyle. Enjoy great perks life refunded ATM fees, cash rewards, and premium benefits - all with the convenience of online and mobile banking.
- Essential Account
A simple, low-cost option with everyday banking features.
- Minimum opening deposit: $100
- Waive the $7.95 monthly service charge by choosing one of the following options:
- Enroll in e-statements
- Receive a monthly direct deposit
- Make a mobile check deposit monthly
- Includes one free book of FIBT checks
- You're Earned It Perk: Account holders that are 55 or older will receive an automatic service charge refund each statement cycle. Should you choose to receive mailed paper statements instead of electronic delivery, you will receive an automatic refunded mailed paper statement fee each statement cycle.
- Rewards Account
Great for active debit card users who want cash rewards and ATM fee refunds.
- Minimum opening deposit: $100
- Monthly service charge: $5.95
- Earn rewards by choosing one of the following options and spend $500 or more with your debit card each statement cycle:
- Enroll in e-statements
- Receive a monthly direct deposit
- Make a mobile check deposit monthly
- Includes one free book of FIBT checks
- Up to $250 off closing costs for first mortgage 1
- Getting Started Perk: If you are age 23 or younger and receive your statements electronically, you will receive an automatic service charge refund and either a minimum ATM refund of up to $10 or a maximum of $15 if you have more than $1,500 in debit card spend each statement cycle.
- Advantage Account
Best for those who maintain a higher balance and want additional perks, including a premium interest rate. 2
- Minimum opening deposit: $5,000
- Receive a refund for the $12.95 monthly service charge and get up to $25 in ATM fee refunds per statement cycle by keeping a $5,000 minimum daily balance.
- Includes one free book of FIBT checks
- Free first year rental of a safe deposit box (up to $15 credit, based on availability)
- Up to $500 off closing costs for first mortgage 1
A Better Banking Experience
When you bank with FIBT, you get more than just a checking account. You get modern, convenient banking features designed to fit your lifestyle, or, as we like to say, big-bank benefits with small-bank service.
MoneyPass ATM Access
Enjoy surcharge-free access to more than 55,000 ATMs nationwide
Card Management
Control your debit card anytime, anywhere from your mobile banking app.
Bill Pay
Easily schedule and pay bills online - no more paper checks!
Credit Score Monitoring
Stay on top of your financial health with free credit score access.
Mobile Check Deposit
Snap a photo to deposit checks from your phone.
E-Statements
Secure, paper-free access to your statements anytime, anywhere.
24/7 Online and Mobile Banking
Manage your money from anywhere.
Zelle
Conveniently send money using your mobile banking app or online banking account.
Why Choose FIBT?
Family-Owned and Community Focused
Since 1910, FIBT has been owned and operated by the same family. We know that we're only as strong as the communities we serve. That's why we invest our time, resources, and passion to support local organizations, schools, and families in need.
Trusted and
Secure
Your deposits are protected, and your personal data is secure. To date, no one has ever lost a dime of FDIC- insured deposits up to $250,000.
Real Customer
Support
Talk to real people who care about your financial success and have the expertise to help you achieve your dreams. No matter what you're going through, we're here to help you Live First.
This offer is only available for a new personal FIBT checking account opened online through July 31, 2025. To receive a $300 New Customer Bonus, account must be enrolled with electronic statements and establish recurring direct deposits (such as payroll from an employer or payment from a government agency) totaling $3000 or more within the first 90 days of account opening, with required minimum opening deposit (Essential or Rewards Checking: $100, Advantage Checking: $5000), from an employer or government agency. Opening deposit funding, person-to-person payments and transfers from existing or external accounts do not qualify as the required direct deposit transactions.
The bonus will be deposited into the new FIBT checking account on the 91st day of the account being opened. Checking account must be open at the time the bonus is paid.
Offer limited to one per customer and cannot be combined with other offers. New customers opening online are limited to ND, SD, MN, IA, MT and AZ. Primary owner on the account must be 18 years or older to qualify. For tax reporting purposes, the bonus may be reported to the IRS on Form 1099.
1 Limited to one per household per loan application.
2 This is a variable rate account and the rate may change after the account is opened. Fees may reduce earnings on the account. Limit of two advantage accounts per household.