Woman using a smartphone

Personal Checking

Checking Accounts that fit your style!


Checking accounts at Primebank in Le Mars, Sioux Center and Sioux City are designed to give you more choice. Ranging from our Basic and Basic Plus Checking Accounts to Primebank's uPIC Checking Accounts that allow you to choose your reward based on the way you bank. Plus, all of these checking accounts offer FREE ATM/Debit Card, eStatements, eDeposit, Mobile Banking*, Internet Banking*, eBill Pay and eAlerts. Zelle®** is also available for these accounts.  Open an account at one of our four offices or online. Remember, with a Primebank checking account, you earn more, your way!

*Date and messaging rates may apply.
** Usage rates may apply.
Maximize your rewards with Primebank's uPIC Checking account.

Earn points toward the rewards that matter most to you, whether it's your morning coffee, a new laptop, or something else from UChoose Rewards®. Make uPIC Points Checking work for you!

Open a uPIC Points Checking account

With uPIC Points Checking you earn points for many different activities including:

Debit Card POS Signature Purchases 1 point per $2 spent
Debit Card POS PIN Purchases 1 point per $2 spent
Direct Deposit (ACH Credit) 50 points per deposit(1)
ACH Debit Transaction 10 points
eDeposit 25 points per eDeposit(1)
eStatement Enrollment - 1 time
500 points
Internet Banking Enrollment - 1 time 200 points
Mobile Banking Enrollment - 1 time 200 points
Birthday (name line 1-3 annually) 50 points
Student - Good Grades (per semester) 100 points
New Credit Card Account - 1 time 1,000 points
New Checking Account - 1 time 100 points
New Savings Account - 1 time 100 points
New IRA - 1 time 500 points
New HSA - 1 time 500 points
New Safe Deposit Box - 1 time 500 points
New HELOC Loan - 1 time 2,000 points
New Home Mortgage Loan - 1 time 2,500 points
New Good Neighbors Club Member 100 points
Good Neighbors Club Overnight Trip 500 points
UChoose Rewards® Registration 500 points

More about the Account
Minimum Deposit to Open None
Monthly Service Charge None
eStatements  (if you choose paper statements a fee of $3 per statement applies) FREE
Interest Bearing No
ATM Surcharge Fee Refunds(2)
  • 22 years of age or younger - $10
  • 23 years of age or older - $10(3)

Features
"uPic Points Checking" offers Free ATM/Debit Card, eStatements, eDeposit, Mobile Banking*, Internet Banking*, eBill Pay and eAlerts. Zelle®** is also available for this account.

*Data and messaging rates may apply.
** Usage rates may apply.

(1)100 points maximum per monthly statement cycle.

(2)$10 maximum refund per monthly statement cycle. Refunds do not apply to withdrawals at foreign ATMs.

(3)Refund requires at least 15 Debit Card POS purchases to post and settle during the monthly statement cycle.
A higher interest rate awaits you when you build your relationship with Primebank.

Use eStatements, direct deposit, or other qualifying services and be rewarded for what you use with Primebank's uPIC Interest Checking account!

Open a uPIC Interest Checking account

Earn interest on all balances with no minimum deposit to open. Earn even more interest by meeting one or more of the following qualifiers during each monthly statement cycle – the more qualifiers you meet, the higher your Annual Percentage Yield.

Qualifiers include:

  • Be enrolled and receive eStatements
  • At least 1 Direct Deposit (ACH Credit)
  • At least 15 Debit Card POS purchases post and settle
  • Over $50,000 in consumer banking relationship(1)

Qualifiers Met Daily Balance APY(2)
None All balances 0.10%
1 All balances 0.20%
2 All balances 0.30%
3 All balances 0.40%
All
  • Less than $25,000
  • $25,000 or more
  • 3.25%
  • 1.69% - 3.25%(3)

Features

uPIC Interest Checking offers FREE ATM/Debit Card, eStatements, eDeposit, Mobile Banking*, Internet Banking *, eBill Pay and eAlerts. Zelle** is also available for this account.

Refunds of U.S. ATM surcharge fees will be made up to $10 per monthly statement cycle if at least 15 Debit Card POS purchases post and settle during the cycle.

*Data and messaging rates may apply.
** Usage rates may apply.

(1)Comprised of the current month’s average available balance in consumer deposits and/or the current outstanding principal balance in consumer loans we service (excluding credit card accounts), as of the business day before the statement cycle ends.  Qualifier can only be met by the uPIC account's primary account holder, who must also be the primary account holder on all other accounts comprising the qualifying relationships.

(2)APYs accurate as of 1/1/23 .  APYs may change after account opening. Fees could reduce earnings.

(3)Varies based on account balance. 1.69% APY based on a $50,000 balance. Higher balances will have a lower APY.

Limited to one account per household. If you choose paper statements a fee of $3 per statement applies.
uPIC Cash Back is a Flexible account that will pay you back again and again. When making a direct deposit, a purchase with your debit card, or other qualifying services, your Primebank uPIC Cash Back Checking account will help you earn more!



Debit Card POS Signature Purchases $0.10 per purchase
Debit Card POS Pin Purchases $0.10 per purchase
Direct Deposit (ACH Credit) $0.50 per deposit(1)
ACH Debit Transaction $0.10
eDeposit $0.25 per eDeposit(1)

More about the account

Minimum Deposit to Open None
Monthly Service Charge None
eStatements (if you choose paper statements a fee of $3 per statement applies) FREE
Interest Bearing No
ATM Surcharge Fee Refunds(2)
  • 22 years of age or younger - $10
  • 23 years of age or older - $10(3)

Features

uPIC Cash Back Checking offers FREE ATM/debit card, eStatements, eDeposit, Mobile Banking*, eBill Pay and eAlerts. Zelle®** (is also available for this account.

*Data and messaging rates may apply.
** Usage rates may apply.

(1)$1 maximum per monthly statement cycle.

(2)$10 maximum refund per monthly statement cycle. Refunds do not apply to withdrawals at foreign ATMs.

(3)Refund requires at least 15 debit card POS purchases to post and settle during the monthly statement cycle.
This easy to use and maintain checking account offers a low minimum balance to open and unlimited check writing.

Open a Basic Checking Account

Minimum to Open $500
Monthly Service Charge (will be waived if account maintains a minimum daily balance of $500 for the monthly statement cycle). $6
eStatements or Paper Statements (check and deposit images are included with monthly statements) FREE
Interest Bearing No

Features

Basic Checking offers FREE ATM/Debit Card, eStatements, eDeposit, Mobile Banking*, Internet Banking *, eBill Pay and eAlerts.  Zelle®** is also available for this account.

*Data and messaging rates may apply.
** Usage rates may apply.
Earn interest while still taking advantage of a checking account that is easy to use and maintain. Basic Plus Checking allows you to enjoy higher yielding interest based on daily collected balances of $10,000 and over.

Open a Basic Plus Checking account

Minimum Deposit to Open $10,000
Monthly Service Charge (will be waived if account maintains daily balance of $10,000 for the monthly statement cycle). $12
eStatements or Paper Statements (check and deposit images are included with monthly statements) FREE
Interest Bearing Yes

Features

Basic Checking Plus offers FREE ATM/Debit Card, eStatements, eDeposit, Mobile Banking*, Internet Banking*, eBill Pay and eAlerts. Zelle®** is also available for this account.

*Data and messaging rates may apply.
** Usage rates may apply.





Couple dancing in a kitchen

Make your money work harder for you.

With our investment services, you get a personalized approach to growing your wealth.