Free Checking

Family smiling while sitting on a couch

Bank Without Fees

The best checking accounts are free—free of monthly fees, minimum balance requirements, transaction limits, and hassle. Plains Commerce Bank’s free checking account has all of the above and everything you want.

When you’re looking for the best, look to us. You can start your application to open a free checking account online, or visit any of our locations throughout South Dakota.

Ready to break free of fees?

We make it simple. Make the switch today!

Switch to Plains Commerce

No monthly service fee charge

No minimum balance to open, and no minimum month-to-month balance

Free Online Essentials to include bill pay and credit monitoring services

Free Debit Card(1)

Free starter box of checks

Unlimited ATM and debit card transactions

E-statements and mobile banking with mobile deposit

Personal line of credit with Ready Reserve(2)

Frequently Asked Questions

Why should I choose a local, community bank?

Are there any fees with a free checking account?

What if I overdraft my account? Is there a fee?

What is the cost of my debit card or checks?

What do I need when I open my account?

Apply Today!

Whenever you're ready to open your account, we're ready to help. Open your account online today!

Apply Online

Still have questions?

Contact one of our bankers, give us a call, or send us your question online.

To contact us, Contact Us

(1) ATM/Checkcard upon application approval. Fees may apply for ATM/Checkcards.

(2) Ready Reserve upon application approval.

Personal Banking Team

Cassie Hopper
Cassie Hopper
About Me
Danni Dobberpuhl
Danni Dobberpuhl
About Me
Justine Wight
Justine Wight
About Me
Joe Medema
Joe Medema
About Me
Rose Stroup
Rose Stroup
About Me


While we offer this link for your convenience, please note that we are not responsible for the content provided by third-party websites. We encourage you to review the policies of any website prior to sharing personal information to ensure privacy and security. Any products or services accessed through this link are not provided by, endorsed or guaranteed by Plains Commerce Bank.

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