No matter what your financial goals are, having a checking account is a necessary part of conducting personal business.
Northwestern Bank provides checking account options with a variety of balance and reward incentives.

Which account style is a good fit for you?


  Free Checking Checking with Interest Preferred Rewards Checking
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Unlimited Check Writing checkmark icon checkmark icon checkmark icon
Free eBank and Bill Pay
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Free ATM/Debit Card
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Free eStatements checkmark icon checkmark icon (Required)
SNAP 24/hr phone access checkmark icon checkmark icon checkmark icon
Interest Bearing
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Daily Balance Requirement  $0 $0 $0
Service Charges
$8 if balance falls below $500
  Full Summary Full Summary Full Summary


Free Checking

Are you looking for a simple, convenient checking account? Free checking may be right for you.

A checking account at Northwestern Bank is a safe, convenient way to manage your money. No minimum opening deposit is required. All of your bank deposits are insured up to $250,000 by the FDIC.

  • No minimum balance
  • No per check charges
  • No monthly service charge
  • Unlimited check writing
  • Free Internet Banking and Bill Pay
  • Check safekeeping standard
  • ATM privileges available with this account
  • Convenient monthly combined statement
For information on account fees, see the current Truth In Savings Disclosure for Fees, Services and Information or call us at (712) 737-4911 or (712) 324-5141.

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Checking with Interest

if you think a checking account should work a little harder for you, then Checking with Interest was designed for you.

At Northwestern Bank our primary goals are to keep your funds secure, help you grow your finances, and to provide the most valuable services possible to help your money do more.

  • No minimum opening deposit
  • Monthly maintenance fee of $8.00 plus tax if balance falls below $500 on any day of a statement cycle
  • Unlimited check writing
  • SNAP 24-hour phone access to account information
  • Free Online Banking and Free Bill Pay
  • Monthly statement (check images optional)
  • ATM/VISA Debit card
For information on account fees, see the current Truth In Savings Disclosure for Fees, Services and Information or call us at (712) 737-4911 or (712) 324-5141.
Apply Now


Preferred Rewards Checking


How about an account that pays you a high interest rate and gives you an attractive list of free services? No minimum opening deposit is required. All of your bank deposits are insured up to $250,000 by the FDIC. To qualify for the Preferred Rewards Checking interest rate you are required to receive eStatements, maintain a valid email address with the bank, and do the following each monthly processing period:

  • Have a direct deposit of at least $100
  • Complete 10 VISA Debit card transactions


  • 3.25% APY for balances up to $25,000
  • Range of 1.75% to 3.25% APY for balances over $25,000 (no cap)
  • 0.05% APY if all of the qualification requirements listed above are not met


  • No minimum opening deposit 
  • No monthly fee VISA Debit card 
  • Free mobile and online banking with free bill pay
  • No per check charge and unlimited check writing

0-$25,000 3.20% 3.25%
Over $25,000 .25% Range from 1.75% to 3.25%
Non-Qualifying Accounts 0.05% 0.05%
For more information on account fees, see the current Truth in Savings Disclosure for Preferred Rewards Checking or call us at (712) 737-4911 or (712) 324-5141.
See full disclosure information pertaining to Preferred Rewards Checking Accounts here

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Health Savings Accounts


A Health Savings Account (HSA) is a tax-exempt account established solely for the purpose of paying out-of-pocket qualified medical expenses for you and your family when covered under a high-deductible health plan (HDHP). The funds are managed and controlled by you without restrictions of healthcare professionals or facilities. These funds can be rolled over year after year allowing you flexibility to manage routine as well as unexpected healthcare expenses. Your HSA follows you even if you change employment.

By working with Northwestern Bank, you can set up an HSA in much the same way as you would an IRA. Features of an HSA with Northwestern Bank include:

  • No minimum balance
  • No per check charge
  • No opening deposit required
  • No monthly fee Visa Debit Card 
  • Check safekeeping standard
  • Interest bearing account
  • Convenient monthly combined statement
  • Free Internet Banking and Bill Pay
  • Interest compounded daily
  • Overdrafts are not permitted on account type
You can learn much more aboutHealth Savings Accounts here.  To open an HSA at Northwestern Bank, call us at (712) 737-4911 or (712) 324-5141, or set up an appointment with one of our personal bankers today.


Complete Your Deposit Application

Click the button below in order to complete the final steps of your online account creation. You will be asked for the primary account owner's email address, your verification code, and for the deposits from the account activity.


Debit Cards

To apply for your Northwestern Bank VISA Debit Card, stop by one of our Northwestern Bank locations or call (712) 737-4911 in Orange City, (712) 324-5141 in Sheldon.

ATM Privileges

There is no charge for transactions completed on Northwestern Bank ATMs. A transaction fee of $1.00 plus tax for each transaction not completed on a Northwestern Bank terminal is assessed. This will be listed on your statement as Transaction Fees, Non-NWB ATM. 

New Chip Cards

Northwestern Bank has upgraded its VISA Debit Cards to chip technology.  Learn more about the new NWB Chip Debit Card

Reporting Lost or Stolen Cards

To report a lost or stolen card, immediately call 1-800-236-2442 (available 24 hours a day).
Then notify Northwestern Bank during business hours at (712) 737-4911 for Orange City, (712) 324-5141 for Sheldon.


Overdraft Protection Services

Northwestern Bank is pleased to provide Overdraft Protection Service (OPS) to customers who maintain both a checking account and a savings account. In the event your checking account becomes overdrawn, transfers in increments of $100.00 will automatically be made from your savings account to your checking account. A fee of $5.00 plus tax per transfer will be assessed to your account and listed on your statement as Transfer Charge. If sufficient funds are not available in your savings account, normal overdraft fees will apply.