Discover a convenient personal checking account option for your financial journey.

Minnesota Lakes Bank offers our customers a variety of personal checking account options for convenient banking. If you’re considering a personal checking account, Minnesota Lakes Bank is here to guide you through each of our offerings. Our personal checking accounts have all the perks and flexibility of a big bank, but come with unmatched personable service that makes all the difference to our customers.

Minnesota Lakes Bank’s Essential Checking Account has all the essentials: it is simple yet includes the option to sign up for additional complimentary electronic features and benefits.

Personal checking accounts at Minnesota Lakes Bank require a $50 minimum deposit and a $0.01 account balance minimum at all times. Our Consumer accounts also offer access to additional electronic features shown below.

Mobile app & mobile deposit
Online banking access
Debit/ATM card
Free access at select ATMs
Bill Pay access*
SecurLOCK app**
People Pay***
*NO FEE for Online Bill Pay service if your Online Bill Pay service is used during the statement cycle. If Online Bill Pay service is not used during the statement cycle, you will be charged $8.00 each month you do not meet the Online Bill Pay Qualifications.

**The SecurLOCK app allows a cardholder to control the how, where & when their payment cards are used via their mobile device. Cardholders can lock or unlock cards with a single touch. With total control over their cards, cardholders can customize card activity to their own spending habits.

***People Pay is a free way to send money to others via check, account to account, email/mobile number or PayPal through online banking. See the People Payments Service Agreement & Disclosure below for more details.

Minnesota Lakes Bank’s Superior Checking Account offers tiered interest rates with no monthly qualifiers. It’s perfect for people looking for a return on their checking account balance. This account includes a $10 monthly maintenance fee.

Personal checking accounts at Minnesota Lakes Bank require a $50 minimum deposit and a $0.01 account balance minimum at all times. Our Consumer accounts also offer access to additional electronic features shown below.

Mobile app & mobile deposit
Online banking access
Debit/ATM card
Free access at select ATMs
Bill Pay access*
SecurLOCK app**
People Pay***
*NO FEE for Online Bill Pay service if your Online Bill Pay service is used during the statement cycle. If Online Bill Pay service is not used during the statement cycle, you will be charged $8.00 each month you do not meet the Online Bill Pay Qualifications.

**The SecurLOCK app allows a cardholder to control the how, where & when their payment cards are used via their mobile device. Cardholders can lock or unlock cards with a single touch. With total control over their cards, cardholders can customize card activity to their own spending habits.

***People Pay is a free way to send money to others via check, account to account, email/mobile number or PayPal through online banking. See the People Payments Service Agreement & Disclosure below for more details.

Minnesota Lakes Bank’s Prime Time Checking Account is reserved for customers 50 years old or better. The account offers benefits for people in their prime.

Personal checking accounts at Minnesota Lakes Bank require a $50 minimum deposit and a $0.01 account balance minimum at all times. Our Consumer accounts also offer access to additional electronic features shown below.

Mobile app & mobile deposit
Online banking access
Debit/ATM card
Free access at select ATMs
Bill Pay access*
SecurLOCK app**
People Pay***
*NO FEE for Online Bill Pay service if your Online Bill Pay service is used during the statement cycle. If Online Bill Pay service is not used during the statement cycle, you will be charged $8.00 each month you do not meet the Online Bill Pay Qualifications.

**The SecurLOCK app allows a cardholder to control the how, where & when their payment cards are used via their mobile device. Cardholders can lock or unlock cards with a single touch. With total control over their cards, cardholders can customize card activity to their own spending habits.

***People Pay is a free way to send money to others via check, account to account, email/mobile number or PayPal through online banking. See the People Payments Service Agreement & Disclosure below for more details.

Essential CheckingSuperior CheckingPrime Time Checking
Non-interest earningInterest paid monthlyInterest paid monthly
No limit on deposits or withdrawalsNo limit on deposits or withdrawalsNo limit on deposits or withdrawals
No monthly maintenance fee$10 monthly maintenance fee No monthly maintenance fee
$3/month paper statementsComplimentary paper statements Complimentary paper statements
$1/month check imagesComplimentary check images Complimentary check images
$5 cashier’s checksComplimentary cashier’s checksComplimentary cashier’s checks
Paperchecks available for purchaseComplimentary specialty checksComplimentary specialty checks
Complimentary photocopiesComplimentary photocopies

Personal Banking Resources

Find more detail in our downloadable resources. As always, please contact our friendly team with any questions.

Meet our knowledgeable service team.

Kimberley Rostis

Vice President, Operations, CBAP

Kimberley Rotis

Brittany Bennis

Customer Service Representative

Kara Loehrs

Customer Service Representative

Jessie Micka

Customer Service Representative