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Checking Accounts

A Minnco Checking Account gives you more of what you want without the extra costs and fees.

  • Free ATM card or Mastercard debit card (for qualifying members)
  • Overdraft Protection
  • IDSafeChoice

When you add convenient free services such as Online Banking, eTELL (telephone account access), Bill Pay (electronic bill pay), SnapDeposit (remote deposit) and MinncoMobile (mobile banking app)… you’ll have an unbeatable package of services at your fingertips!

Isn’t it time your checking account gave you the benefits you wanted without high monthly service fees? At Minnco, we offer a variety of unbeatable checking accounts to meet your needs.

Basic Checking

What you want without the extra costs.

Account Details
  • Earn dividends
  • No minimum balance requirements
  • No monthly service charges
  • Free Debit Card (for qualifying members), or ATM card

A $0.15 per check fee will be charged for each check over 30 cleared per calendar month.

Classic Checking

A special checking account for members age 50 and over.

Account Details

Here's just some of what you'll receive:

  • Unlimited check writing privileges
  • Free Minnco checks (MIDN style)
  • Earn higher dividends with a low minimum balance requirement ($250)
  • Low monthly fee if you fall below minimum balance ($3.00)*
  • Free domestic fax services, photocopies and money orders

*You will only be assessed the fee ONCE during a month, no matter how many times you fall below it

Checking Plus

Checking plus more.

Account Details

With Plus Checking, you'll receive:

  • Unlimited check writing
  • Earn higher dividends
  • Low minimum balance requirement ($500)
  • Low monthly fee if you fall below minimum balance ($5.00)*
  • Free Debit Card (for qualifying members), or ATM card (for all other members)

*You will only be assessed the fee ONCE during a month, no matter how many times you fall below it.

Kasasa Cash

Our most popular checking account! A high-yield checking account with no minimum balance. 

Account Details

If you don't qualify during the cycle, your Cash account still acts as a free checking account. View our rates.

Complete the following three steps each monthly qualification cycle:

  • Have at least 12 debit card purchases post and clear your account
  • Have at least 1 direct deposit post and clear your account
  • Enroll in and receive eStatements (valid email address is required)

If you don't qualify during the cycle, your Cash account still acts as a free checking account.

Remember, qualifying transactions must post and clear to the account during the monthly qualification cycle; transactions may take one or more banking days from the date the transaction was made to post to an account; transfers do not count as qualifying transactions.

*ATM Fee refunds up to $15.00 provided only if qualifications are met within the monthly qualification cycle.

Kasasa Cash Back

Kasasa Cash Back is an account that earns you 1% Cash Back!

Account Details

This account earns 1.00% cash back on all debit card purchases that post and clear your account, up to a total cash back of $5.00 per monthly qualification cycle.

Complete the following three steps each monthly qualification cycle:

  • Have at least 12 debit card purchases post and clear your account
  • Have at least 1 direct deposit post and clear your account
  • Enroll in and receive eStatements (valid email address is required)

If you don't qualify during the cycle, your Cash account still acts as a free checking account.

Remember, qualifying transactions must post and clear to the account during the monthly qualification cycle; transactions may take one or more banking days from the date the transaction was made to post to an account; transfers do not count as qualifying transactions.

Reconcilement Statement

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  • We love to hear what our members are saying!

    Since Day 1, Minnco has been nothing but good to us and for us!!!
    Nate N.
  • We love to hear what our members are saying!

    Minnco has always been easy to work with for all of my questions and loan needs.
    Paul S.
  • We love to hear what our members are saying!

    I love it when I come through the drive through and they know who I am and call me by name.  This is personal service which is missed in the world today.  It makes me feel like I am valued by Minnco.  
    Emilie B.
  • We love to hear what our members are saying!

    I grew up with them as a bank and they taught me about how banking works, and were always friendly, and made me less nervous when it was time to do things myself.
    Jessica B.
  • We love to hear what our members are saying!

    I love Minnco because they always make everything so easy. I have had several loans and the process is quick and easy.
    Cynthia
  • We love to hear what our members are saying!

    I love the people, I love the ease ability of banking, and there is never any hassle when it comes to working with Minnco.
    Jeff W.
  • We love to hear what our members are saying!

    I love Minnco because they know who I am, even through the car window!
    Melanie G.
  • We love to hear what our members are saying!

    Compared to any other bank I have been with or known people to use, Minnco is the best with service, especially when you need help.
    Katrina A.
  • We love to hear what our members are saying!

    I love Minnco because of the fast service and friendly faces.
    Miah G.
  • We love to hear what our members are saying!

    It's not a national level chain of branch offices... it's local banking for local people.
    Paul A.
  • We love to hear what our members are saying!

    Always there right away when I need them!
    Suzannah M.
  • We love to hear what our members are saying!

    Local, hometown, friendly bank. Due to the downturn in the economy many years ago, Minnco made it possible for us to get our life back on track financially after a job loss. We wouldn't be where we are today without their help years ago.
    Anne R.
  • We love to hear what our members are saying!

    Minnco has always been there for me. I have traveled all over the country and the world now for the Minnesota Guard. I have been able to always and reliably count on Minnco to have my back with customer service and great rates. Minnco is always helpful with whatever I need to be successful.
    Ross R.
  • We love to hear what our members are saying!

    I love Minnco because everyone is friendly and efficient. You can build a relationship with the staff at Minnco and be welcomed with a friendly face. 
    Laura D.
  • We love to hear what our members are saying!

    I enjoy being able to call in when I need something and talk to someone local unlike the big banks. Your customer service is great and that goes a long way!
    Andrew J.
  • We love to hear what our members are saying!

    I have been a member since 1980 - and I wouldn't go to any other bank!!!!
    Nan L.
  • We love to hear what our members are saying!

    Love the friendly, knowledgeable staff that will go above and beyond if/when needed. Great service without the corporate feel of the big banks.   
    Sandy S.
  • We love to hear what our members are saying!

    I can always count on many employees to know who I am and get my requests done even being out of state! 
    Karen H.
  • We love to hear what our members are saying!

    I love Minnco because they have always been there to help me with my banking needs.  The staff are always super friendly whenever I have any questions.
    Cheryl W.
  • We love to hear what our members are saying!

    I love Minnco because I never feel like just a number to them. They take great pride in their members and they have always given me great service with a smile. I honestly could go on and on about the many reasons why I love them, because they are seriously amazing.
    Amanda W.

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