Best Banks & Checking Accounts in Trends, South Dakota - August 2026
Brian McKay
Brian McKay
Founder & Data Architect- Automated Online Rate Data Aggregation
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The best checking rates for Trends, South Dakota include HIGHMARKHIGHMARKA5.0 ★Texas Ratio: 11.08% Kasasa Cash Checking Enhanced at 6.05% APY, Reliabank DakotaReliabank DakotaB+4.8 ★Texas Ratio: 17.25% Ultimate Checking at 4.03% APY, SNB Security National Bank of SDSNB Security National Bank of SDA+5.0 ★Texas Ratio: 0.00% Performance Plus Checking at 3.50% APY, Heritage Bank N.A.Heritage Bank N.A.A5.0 ★Texas Ratio: 6.65% PAYROLL PLUS CHECKING ACCOUNT at 3.04% APY, and OAB One American BankOAB One American BankA+5.0 ★Texas Ratio: 3.42% Premium+ Checking Account at 3.00% APY. Checking account rates as of August 28, 2026 according to verified data from MonitorBankRates.
Trends is a smaller community with no bank or credit union branches currently in our database. 21 institutions serving the South Dakota area are available to Trends residents, with checking rates as high as 6.05% APY from HIGHMARK. Rates are continually updated — we recommend checking back frequently.
Checking account rates reflect recent market quotes and representative offers available to depositors in Trends, South Dakota. Checking Account Rates Last Updated and Verified: August 28, 2026
Compare Checking Account Rates Today in Trends, South Dakota & the Surrounding Area
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $25,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
No additional details provided.
No additional details provided.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required: At least 1 bill pay or ACH payment transaction(s); At least 10 debit card purchases; Be enrolled in and have agreed to receive e-statements rather than paper statements; APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. ATM fees of $4.99 or less will be refunded up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be refunded if the appropriate ATM receipt is presented to a representative at one of our branches. Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one business day. Any ATM fee refunds are also transferred from the Kasasa Cash account to the Kasasa Saver account within one business day.
Qualifications Required: 2.25% - 0.57%
Qualifications Required: 14 Mastercard debit purchases each statement cycle; 1 ACH auto debit or direct deposit; Receive online statements; Balances up to $20,000 receive APY of 2.00%; and balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in 1.00% - 2.00% APY, depending on the balance. If qualifications are not met, all balances earn 0.01% APY.
Qualifying balance up to $100,000.00
No additional details provided.
Qualifications Required: 14 Mastercard debit purchases each statement cycle; Use one ACH auto debit or direct deposit; Receive online statements; Balances up to $20,000 receive APY of 2.00%; and balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in 1.00% - 2.00% APY, depending on the balance. If qualifications are not met, all balances earn 0.01% APY.
Interest-bearing. Relationship balance is the sum of the average daily balances for primary, household ONE AMERICAN BANK demand deposit accounts plus the current balance of any time deposit accounts owned by you. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the Premium+ Checking account. Interest Rates and Annual Percentage Yields are current as of July 20, 2026. For current rate information, please call (605) 361-1010.
No additional details provided.
Qualifications Required: 14 Mastercard debit purchases each statement cycle; 1 ACH auto debit or direct deposit; Receive online statements; Balances up to $20,000 receive APY of 2.00%; and balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in 1.00% - 2.00% APY, depending on the balance. If qualifications are not met, all balances earn 0.01% APY.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Qualifications Required: At least 1 bill pay or ACH payment transaction(s); At least 10 debit card purchases; Be enrolled in and have agreed to receive e-statements rather than paper statements; APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. ATM fees of $4.99 or less will be refunded up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be refunded if the appropriate ATM receipt is presented to a representative at one of our branches. Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one business day. Any ATM fee refunds are also transferred from the Kasasa Cash account to the Kasasa Saver account within one business day.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login; Qualifying balance up to $25,000.00
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
No additional details provided.
No additional details provided.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required: At least 1 bill pay or ACH payment transaction(s); At least 10 debit card purchases; Be enrolled in and have agreed to receive e-statements rather than paper statements; APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. ATM fees of $4.99 or less will be refunded up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be refunded if the appropriate ATM receipt is presented to a representative at one of our branches. Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one business day. Any ATM fee refunds are also transferred from the Kasasa Cash account to the Kasasa Saver account within one business day.
Qualifications Required: 2.25% - 0.57%
Qualifications Required: 14 Mastercard debit purchases each statement cycle; 1 ACH auto debit or direct deposit; Receive online statements; Balances up to $20,000 receive APY of 2.00%; and balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in 1.00% - 2.00% APY, depending on the balance. If qualifications are not met, all balances earn 0.01% APY.
Qualifying balance up to $100,000.00
No additional details provided.
Qualifications Required: 14 Mastercard debit purchases each statement cycle; Use one ACH auto debit or direct deposit; Receive online statements; Balances up to $20,000 receive APY of 2.00%; and balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in 1.00% - 2.00% APY, depending on the balance. If qualifications are not met, all balances earn 0.01% APY.
Interest-bearing. Relationship balance is the sum of the average daily balances for primary, household ONE AMERICAN BANK demand deposit accounts plus the current balance of any time deposit accounts owned by you. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the Premium+ Checking account. Interest Rates and Annual Percentage Yields are current as of July 20, 2026. For current rate information, please call (605) 361-1010.
No additional details provided.
Qualifications Required: 14 Mastercard debit purchases each statement cycle; 1 ACH auto debit or direct deposit; Receive online statements; Balances up to $20,000 receive APY of 2.00%; and balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in 1.00% - 2.00% APY, depending on the balance. If qualifications are not met, all balances earn 0.01% APY.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
No additional details provided.
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required: 1 direct deposit or ACH credit; 12 debit card purchases; e-statements enrollment; online banking enrollment/login
Qualifications Required: At least 1 bill pay or ACH payment transaction(s); At least 10 debit card purchases; Be enrolled in and have agreed to receive e-statements rather than paper statements; APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. ATM fees of $4.99 or less will be refunded up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be refunded if the appropriate ATM receipt is presented to a representative at one of our branches. Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one business day. Any ATM fee refunds are also transferred from the Kasasa Cash account to the Kasasa Saver account within one business day.
Qualifications Required: 2.25% - 0.57%
Qualifications Required: 14 Mastercard debit purchases each statement cycle; 1 ACH auto debit or direct deposit; Receive online statements; Balances up to $20,000 receive APY of 2.00%; and balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in 1.00% - 2.00% APY, depending on the balance. If qualifications are not met, all balances earn 0.01% APY.
Qualifications Required: 14 Mastercard debit purchases each statement cycle; Use one ACH auto debit or direct deposit; Receive online statements; Balances up to $20,000 receive APY of 2.00%; and balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in 1.00% - 2.00% APY, depending on the balance. If qualifications are not met, all balances earn 0.01% APY.
Qualifications Required: 14 Mastercard debit purchases each statement cycle; 1 ACH auto debit or direct deposit; Receive online statements; Balances up to $20,000 receive APY of 2.00%; and balances over $20,000 earn 1.00% interest rate on the portion of the balance over $20,000, resulting in 1.00% - 2.00% APY, depending on the balance. If qualifications are not met, all balances earn 0.01% APY.
No additional details provided.
Qualifications Required: At least 1 bill pay or ACH payment transaction(s); At least 10 debit card purchases; Be enrolled in and have agreed to receive e-statements rather than paper statements; APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. ATM fees of $4.99 or less will be refunded up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be refunded if the appropriate ATM receipt is presented to a representative at one of our branches. Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one business day. Any ATM fee refunds are also transferred from the Kasasa Cash account to the Kasasa Saver account within one business day.
No additional details provided.
No additional details provided.
No additional details provided.
0.25% APY on balances over $10,000 depending on balance in account
No additional details provided.
No additional details provided.
No additional details provided.
Qualifications Not Met
When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% APY and ATM withdrawal fees are not refunded. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. Nationwide ATM withdrawal fee refunds will be credited to your account on the last day of the current statement cycle.
If qualifications aren't met
No additional details provided.
Qualifications Required: At least 1 bill pay or ACH payment transaction(s); At least 10 debit card purchases; Be enrolled in and have agreed to receive e-statements rather than paper statements; APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. ATM fees of $4.99 or less will be refunded up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be refunded if the appropriate ATM receipt is presented to a representative at one of our branches. Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one business day. Any ATM fee refunds are also transferred from the Kasasa Cash account to the Kasasa Saver account within one business day.
Qualifications Required: At least 1 bill pay or ACH payment transaction(s); At least 10 debit card purchases; Be enrolled in and have agreed to receive e-statements rather than paper statements; APY calculations are based on an assumed balance of $25,000 + $100,000 in your Kasasa Cash account and an assumed statement cycle of thirty-one (31) days. ATM fees of $4.99 or less will be refunded up to a maximum of $4.99 per individual transaction. ATM fees of $5.00 or higher will be refunded if the appropriate ATM receipt is presented to a representative at one of our branches. Interest in Kasasa Cash does not compound because it is automatically transferred to the Kasasa Saver account within one business day. Any ATM fee refunds are also transferred from the Kasasa Cash account to the Kasasa Saver account within one business day.
If the qualifications are not met, the interest rate is .05% APY*. Five ATM reimbursements up to $19.99 are refunded if qualifications are met.
When your Kasasa Cash qualifications are not met, the interest rate earned on the account's entire daily balance will be 0.05% resulting in an annual percentage yield of 0.05% APY and ATM withdrawal fees are not refunded. Interest will be credited to your Kasasa Cash account on the last day of the current statement cycle. Nationwide ATM withdrawal fee refunds will be credited to your account on the last day of the current statement cycle.
No additional details provided.
No additional details provided.
No additional details provided.
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Trends, SD Checking Rate Trends
Compare local Trends, SD 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.
South Dakota high-yield checking rates fell 0.223 points over the past 7 days to 0.770% APY.
South Dakota free checking rates fell 0.039 points over the past 7 days to 0.493% APY.
Methodology & Data Sources
Direct-Sourced & Verified Checking Rate Data: We aggregate checking account rates for Trends, South Dakota 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 Trends, South Dakota. 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 SD.
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 Trends, South Dakota earn interest?
Are banks in Trends, South Dakota FDIC insured?
What fees should I watch out for?
What is a Rewards Checking account?
Best Checking Rates in Trends, South Dakota
- HIGHMARK
Kasasa Cash Checking Enhanced — 6.05% APY - Reliabank Dakota
Ultimate Checking — 4.03% APY - SNB Security National Bank of SD
Performance Plus Checking — 3.50% APY - Heritage Bank N.A.
PAYROLL PLUS CHECKING ACCOUNT — 3.04% APY - OAB One American Bank
Premium+ Checking Account — 3.00% APY
