Best Banks & Checking Accounts in Bemidji, Minnesota - May 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Bemidji, Minnesota include First National Bank of BemidjiFirst National Bank of Bemidji1600 Paul Bunyan Dr Nw, Bemidji, MN 56601A+5.0 ★Texas Ratio: 2.39% First Plus Checking at 0.50% APY, Ultima Bank MinnesotaUltima Bank Minnesota101 Shevlin Ave Sw, Bemidji, MN 56601A+5.0 ★Texas Ratio: 4.29% Ultima Checking at 0.40% APY, Trustar Federal Credit UnionTrustar Federal Credit Union2313 TruStar Ave NW, Bemidji, MN 56601 2193A+5.0 ★Texas Ratio: 3.42% Classic Checking at 0.10% APY, Bank ForwardBank Forward700 Paul Bunyan Dr Nw, Bemidji, MN 56601A+5.0 ★Texas Ratio: 1.33% Forward Interest Checking at 0.10% APY, and Baxter Credit UnionBaxter Credit UnionA5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY. Checking account rates as of May 5, 2026 according to verified data from MonitorBankRates.
Bemidji has 4 local institutions in our database, with checking rates as high as 0.50% APY from First National Bank of Bemidji at 1600 Paul Bunyan Dr Nw, Bemidji, MN, 56601. Use the tabs below to compare all available checking account types. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Bemidji, Minnesota. Checking Account Rates Last Updated and Verified: May 5, 2026
Compare Checking Account Rates Today in Bemidji, Minnesota & the Surrounding Area
Bemidji, MN 56601
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Bemidji, MN 56601
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Bemidji, MN 56601
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Bemidji, MN 56601
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Bemidji, MN 56601
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Bemidji, MN 56601 2193
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Bemidji, MN 56601
$5,000 minimum opening deposit
Bemidji, MN 56601
$5,000 minimum opening deposit
Bemidji, MN 56601
$5,000 minimum opening deposit
Bemidji, MN 56601
$5,000 minimum opening deposit
Bemidji, MN 56601
$1,000 minimum opening deposit
Bemidji, MN 56601
$1,000 minimum opening deposit
Bemidji, MN 56601
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Bemidji, MN 56601
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Bemidji, MN 56601
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Bemidji, MN 56601
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Qualifying balance up to $15000
Qualifications Required; Qualifying balance up to $7,500.00
Bemidji, MN 56601
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Bemidji, MN 56601
$5,000 minimum opening deposit
Bemidji, MN 56601
$5,000 minimum opening deposit
Bemidji, MN 56601
$1,000 minimum opening deposit
Qualifying balance up to $15000
Qualifications Required; Qualifying balance up to $7,500.00
Qualifying balance up to $10,000.00
Qualifying balance up to $25,000.00
Promotional rate for new accounts.
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Qualifying balance up to $20,000
Qualifying balance up to $20,000.00
Qualifying balance up to $15000
Qualifying balance up to $15,000.00
Qualifications Required; Qualifying balance up to $15,000.00
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Qualifying balance up to $100,000.00
Qualifications Required; Qualifying balance up to $15,000.00
Qualifications Required; Qualifying balance up to $15,000.00
Qualifying balance up to $10,000.00
Qualifying balance up to $20,000
Qualifying balance up to $15,000.00
Qualifications Required; Qualifying balance up to $15,000.00
Qualifying balance up to $10,000.00
Qualifications Required: 4 Criteria Met; On average daily Loyalty Choice Rewards balance; 4 Criteria Met
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Qualifications Required: 3 Criteria Met; On average daily Loyalty Choice Rewards balance; 3 Criteria Met
Qualifications Required: 2 Criteria Met; On average daily Loyalty Choice Rewards balance; 2 Criteria Met
If 1-4 qualifying criteria are met.
Qualifications Required
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dividend with average daily balance of $500 or more
Minimum balance to open $20. No minimum balance to maintain. The average balance to earn dividends for the month is $1000.
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Qualifying balance up to $5,000
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Bemidji, MN 56601
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Qualifying balance up to $499.99
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Qualifying balance up to $149,999.99
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Qualifying balance up to $24,999.99
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$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter
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$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter
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$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter
Qualifying balance up to $49,999.00
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Qualifying balance up to $9,999.00
Bemidji, MN Checking Rate Trends
Compare local Bemidji, MN checking rate quotes against the statewide average
Daily checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Minnesota high-yield checking rates fell 0.512 points over the past 7 days to 1.077% APY.
Minnesota free checking rates rose 0.070 points over the past 7 days to 1.037% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Bemidji, Minnesota directly from the official websites of banks and credit unions using a combination of our proprietary rate aggregation technology and a dedicated team of rate updaters. By pulling this data straight from the institutions’ own digital properties and manually verifying the yields daily, we ensure that every checking rate displayed on MonitorBankRates.com is highly accurate and trustworthy.
Local, Regional, and National Coverage: Our systems and team constantly monitor the market to provide a complete picture of available yields in Bemidji, Minnesota. We feature a comprehensive mix of financial institutions, allowing you to easily compare localized checking rates from neighborhood credit unions, competitive offers from mid-sized regional banks, and high-yield checking accounts available to account holders in MN.
Daily Updates & Time-Stamped Accuracy: To maintain the highest level of data integrity, our rate updaters verify and update checking rates daily. Because checking account yields can fluctuate based on market conditions, every single checking product listed on our platform features its own specific “last updated” date.
Frequently Asked Questions
Do checking accounts in Bemidji, Minnesota earn interest?
Are banks in Bemidji, Minnesota FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Bemidji, Minnesota
- First National Bank of Bemidji
First Plus Checking — 0.50% APY - Ultima Bank Minnesota
Ultima Checking — 0.40% APY - Trustar Federal Credit Union
Classic Checking — 0.10% APY - Bank Forward
Forward Interest Checking — 0.10% APY - Baxter Credit Union
PowerPlusTM Checking Level 2 — 8.00% APY
