Best Banks & Checking Accounts in Duluth, Minnesota - March 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Duluth, Minnesota include Baxter Credit UnionBaxter Credit Union4316 Rice Lake Rd, Duluth, MN 55811A5.0 ★Texas Ratio: 7.73% PowerPlusTM Checking Level 2 at 8.00% APY, North Shore Bank of CommerceNorth Shore Bank of Commerce131 W Superior St, Duluth, MN 55802A+5.0 ★Texas Ratio: 2.16% BTC Checking at 0.20% APY, Bell BankBell Bank201 E Superior St, Duluth, MN 55802A+5.0 ★Texas Ratio: 2.41% America's Best Premier Interest Checking* at 0.10% APY, North Star Credit UnionNorth Star Credit Union4918 Grand Ave, Duluth, MN 55807A+5.0 ★Texas Ratio: 2.18% Personal Checking Account at 0.05% APY, and Minnesota Power Employees Credit UnionMinnesota Power Employees Credit Union30 W Superior St Ste 126, Duluth, MN 55802 2191A+5.0 ★Texas Ratio: 2.03% Share Draft Checking at 0.05% APY.
Looking for the best checking accounts in Duluth, Minnesota? You have two main choices: convenient local branches or high-yield online accounts.
The tables below compare the top rates available to residents of Duluth, Minnesota, featuring both local banks and credit unions near you.
Checking account rates reflect recent market quotes and representative offers available to depositors in Duluth, Minnesota. Checking Account Rates Last Updated and Verified: March 21, 2026
Duluth, MN Checking Rate Trends
Compare local Duluth, MN checking rate quotes against the statewide average
Weekly checking rate averages tracked across our database of 8,500+ banks and credit unions — updated every evening.
Minnesota high-yield checking rates rose 0.358 points this week to 0.495% APY, up from 0.138% last week.
Minnesota rewards checking rates rose 1.478 points this week to 2.922% APY, up from 1.444% last week.
Compare Checking Account Rates Today in Duluth, Minnesota & the Surrounding Area
Duluth, MN 55811
Qualifying balance up to $15000
Duluth, MN 55811
Qualifying balance up to $15000
Duluth, MN 55802
No additional details provided.
Duluth, MN 55802
No additional details provided.
Duluth, MN 55802
No additional details provided.
Duluth, MN 55802
No additional details provided.
Duluth, MN 55802
No additional details provided.
Duluth, MN 55807
Must retain balance over $200 to bear interest.
Duluth, MN 55802 2191
No additional details provided.
Duluth, MN 55802
No additional details provided.
Duluth, MN 55802
No additional details provided.
Duluth, MN 55802
No additional details provided.
Duluth, MN 55802
No additional details provided.
Duluth, MN 55805 1913
ages 15-18
Duluth, MN 55805 1913
No additional details provided.
Eagan, MN 55121 7707
Qualifications Required; Qualifying balance up to $7,500.00
Saint Paul, MN 55116
Qualifying balance up to $10,000.00
Brooklyn Center, MN 55430
No additional details provided.
SAINT LOUIS PARK, MN 55426
No additional details provided.
Litchfield, MN 55355
Qualifying balance up to $15,000.00
Duluth, MN 55811
Qualifying balance up to $15000
Duluth, MN 55811
Qualifying balance up to $15000
Duluth, MN 55802
No additional details provided.
Duluth, MN 55802
No additional details provided.
Eagan, MN 55121 7707
Qualifications Required; Qualifying balance up to $7,500.00
Saint Paul, MN 55116
Qualifying balance up to $10,000.00
Brooklyn Center, MN 55430
No additional details provided.
SAINT LOUIS PARK, MN 55426
No additional details provided.
Plymouth, MN 55447
Qualifying balance up to $20,000.00
Litchfield, MN 55355
Qualifying balance up to $15,000.00
Raymond, MN 56282
Qualifying balance up to $100,000.00
Lake Crystal, MN 56055
Qualifications Required; Qualifying balance up to $15,000.00
Apple Valley, MN 55124
No additional details provided.
Ormsby, MN 56162
Qualifying balance up to $14,999.99
Lake City, MN 55041
Qualifications Required; Qualifying balance up to $15,000.00
Lake City, MN 55041
Qualifying balance up to $15,000.00
Saint Louis Park, MN 55416
Qualifying balance up to $3,000,000.00
Sleepy Eye, MN 56085 4380
Qualifications Required: eStatements; Direct Deposit of $500 or more monthly; 25 or more debit card purchases; *Variable rates. Rate may change after the account is open; Qualifying balance up to $20,000.00
Rockford, MN 55373
Turn your spending into gains - get 2.50% cash back on debit card purchases.*
Jordan, MN 55352
No additional details provided.
Saint Paul, MN 55116
Qualifying balance up to $10,000.00
Litchfield, MN 55355
Qualifying balance up to $15,000.00
Lake Crystal, MN 56055
Qualifications Required; Qualifying balance up to $15,000.00
Rockford, MN 55373
Turn your spending into gains - get 2.50% cash back on debit card purchases.*
Apple Valley, MN 55124
Qualifications Required; Get 2% Cash Back up to $500 * monthly & ATM reimbursements!
Apple Valley, MN 55124
Qualifications Required: online/mobile banking with eDocuments; receive up to $10 in Cash Back Rewards each month
Rochester, MN 55901
Qualifications Required: Have a balance of at least $1,500 each day; Use your debit card at least 15 times for point of sale ("POS") transactions; Use your debit card for POS transactions totaling at least $300; Qualifying balance up to $29,999.99
Preston, MN 55965
Qualifications Required; Qualifying balance up to $20,000
Cloquet, MN 55720
Four qualifying products
Rockford, MN 55373
Qualifying balance up to $15,000.00
Rockford, MN 55373
Qualifying balance up to $15,000.00
Rockford, MN 55373
Qualifications Required: At least 1 direct deposit or ACH payment transaction; At least 10 debit card purchases; Be enrolled in and agree to receive electronic statements; Be enrolled in and log into internet banking; Qualifying balance up to $15,000.00; Refunds on ATM withdrawal fees, nationwide and internationally (up to $20 monthly)*; No monthly maintenance fees; No minimum balance to earn rewards; Enjoy additional benefits: * [Bounce Protection](https://www.bankwestmn.com/services/personal-services/overdraft-protection-services.html) * Check images * Free [internet banking](https://www.bankwestmn.com/services/personal-services/internet-banking.html) * Free [bill pay](https://www.bankwestmn.com/services/personal-services/internet-banking.html) * Free [mobile banking with mobile deposit](https://www.bankwestmn.com/services/personal-services/mobile-banking-with-mobile-deposit.html) * Free [electronic statements](https://www.bankwestmn.com/services/personal-services/electronic-notices-statements.html) * Free [debit card](https://www.bankwestmn.com/personal/debit-card.html) (subject to application approval) * Unlimited check writing
Moose Lake, MN 55767
No additional details provided.
Cloquet, MN 55720
Three qualifying products
Cloquet, MN 55720
Two qualifying products
Cloquet, MN 55720
One qualifying product
Rochester, MN 55901
No additional details provided.
Brooten, MN 56316
No additional details provided.
Brooten, MN 56316
No additional details provided.
Brooten, MN 56316
No additional details provided.
Brooten, MN 56316
No additional details provided.
Brainerd, MN 56401
dividend with average daily balance of $500 or more
MINNEAPOLIS, MN 55411
No additional details provided.
Apple Valley, MN 55124
No additional details provided.
Vernon Center, MN 56090
$200 minimum balance -$5 monthly maintenance fee & $.20 per debit if balance drops below $200 any day during your monthly statement cycle
Maplewood, MN 55109
No additional details provided.
Vernon Center, MN 56090
No minimum balance -No monthly maintenance fee
SAINT LOUIS PARK, MN 55426
No additional details provided.
Cloquet, MN 55720
No additional details provided.
Eagan, MN 55121 7707
No additional details provided.
South St Paul, MN 55075
No additional details provided.
Saint Paul, MN 55106 5845
No additional details provided.
Fulda, MN 56131
No additional details provided.
Maplewood, MN 55109
Qualifying balance up to $2,499.99
Duluth, MN 55805 1913
ages 15-18
Brooklyn Center, MN 55430
No additional details provided.
Apple Valley, MN 55124
Qualifications Required: online/mobile banking with eDocuments; receive up to $10 in Cash Back Rewards each month
Oakdale, MN 55128 7151
Qualifying balance up to $5,000.00
Plymouth, MN 55447
No additional details provided.
Duluth, MN 55811
No additional details provided.
Duluth, MN 55811 1811
No additional details provided.
Duluth, MN 55802
No additional details provided.
Duluth, MN 55802
No additional details provided.
Duluth, MN 55805 1913
No additional details provided.
Duluth, MN 55811 1811
No additional details provided.
Duluth, MN 55802 2191
No additional details provided.
Saint Louis Park, MN 55416
Qualifying balance up to $499.99
Atwater, MN 56209
No additional details provided.
Madison Lake, MN 56063
No additional details provided.
Atwater, MN 56209
No additional details provided.
Madison Lake, MN 56063
Qualifying balance up to $149,999.99
Atwater, MN 56209
No additional details provided.
Ormsby, MN 56162
Qualifying balance up to $100,000 and up
Rockford, MN 55373
No additional details provided.
Madison Lake, MN 56063
Qualifying balance up to $24,999.99
Ormsby, MN 56162
Qualifying balance up to $99,999.99
Atwater, MN 56209
No additional details provided.
Owatonna, MN 55060
No additional details provided.
Plymouth, MN 55447
$12 fee if average daily balance is less than $7,500; First 250 paper/digital transactions are free, $0.20 each thereafter
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Duluth, 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 Duluth, 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 Duluth, Minnesota earn interest?
Are banks in Duluth, Minnesota FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Duluth, Minnesota
- Baxter Credit Union
PowerPlusTM Checking Level 2 — 8.00% APY - North Shore Bank of Commerce
BTC Checking — 0.20% APY - Bell Bank
America's Best Premier Interest Checking* — 0.10% APY - North Star Credit Union
Personal Checking Account — 0.05% APY - Minnesota Power Employees Credit Union
Share Draft Checking — 0.05% APY
