CHECKING ACCOUNTS
All of the features of a big bank — with the personalized care of a small town one. Choose the account option that best suits you!
No Misleading Offers. No Hidden Fees or Terms. Period.
Big banks and online institutions like to attract customers with “to-good-to-be-true” offers. They make it nearly impossible to get them with lengthy and confusing terms and conditions tucked away at the bottom of the page.
Not us! We make our disclaimers simple and clear so you know exactly what you’re signing up for. Look for this symbol 
to learn all details for offers and features. We’ve got nothing to hide!
Why A Checking Account With Us?
No Monthly Fees
No monthly service or account fees for our FREE checking account. Premium services and features… free of charge!
Best in Digital Banking
Extremely clean, user-friendly, and available from anywhere. Learn more about our digital banking or try our app demo to see for yourself!
Instant Issue Debit Cards
Instant issue debits cards with EMV chip and “Tap to Pay” technology. Plus, they look and feel “fancy” which is just a nice bonus.
Refer a Friend Program
Love banking with us? Get $50 for every referral that opens a new checking account.**
**Effective January 9 2023. Get $50 for each new customer you refer. Both you and the new customer will receive the $50 bonus once the new customer’s first checking account has been open for 60 days and both a direct deposit and an automatic payment of $50 or more each has occurred. The $50 bonus will be credited to your VISIONBank checking account within 10 business days of meeting all requirements. All other standard terms and conditions apply. Some restrictions may apply. See bank for full details. Member FDIC.
40,000+ Fee-Free ATMs
We’ve partnered with MoneyPass ATMs, meaning you have unlimited free withdrawals at all MoneyPass ATMs. That's over 40,000 ATM locations nationwide. Plus, ATM fees are automatically refunded on the first 4 ATM fees per deposit account per statement cycle.
Sock Away Savings
Grow your savings with each debit card transaction using our signature Sock Away Savings program. Sign up and round up to the next dollar (or more) with each use of your card.
Choose the
Account That’s
Best for You
Not sure which one to pick? Send us a message, give us a call, or book an appointment and we’ll help you decide.
FREE Checking
Our Most Popular
No Minimum Balance
- Open Online or In-Person
- ATM Fee Refunds¹
- FREE Standard Online Bill Pay
- Mobile Wallet Compatible
- Sock Away Savings
- Instant Issue Debit Card
- FREE Digital Banking
- No Monthly Service Fees
ULTIMATE Checking
$400 Minimum Balance*
- Open Online or In-Person
- ATM Fee Refunds¹
- FREE Standard Online Bill Pay
- Mobile Wallet Compatible
- Sock Away Savings
- Instant Issue Debit Card
- FREE Digital Banking
- Low Balance Monthly Service Fee²
- FREE Check Blanks
- Earn Interest³
- FREE Visa Gift Cards
- FREE Cashiers Checks and Money Orders
* $400 minimum balance is required to open the account.
¹ ATM fees are automatically refunded on the first 4 transactions per account per statement cycle.
² A service fee of $9 per calendar month will apply if the balance of an ULTIMATE Checking account falls below the minimum balance on any day in the month. Fees may reduce earnings.
³ Interest is earned each day that the required minimum balance is maintained.
Switch To VISION!
Switching banks is usually tedious and time-consuming. We know you have better things to do - that’s why we’ve perfected the process of making it beyond easy! We’ll show you our “above-and-beyond” approach to customer service starting here.
Open a New Checking Account
Open a new account with us in minutes with our online application. Prefer to do it in person? Stop by any of our locations and we can help do exactly that.
Send 2 Statements
Don’t worry about updating your autopays and monthly bills. Send us your 2 most recent statements from your bank and we’ll help with the entire process.
Ready to upload your statements? Click here to securely upload documents.
Get $50!***
You’re all done — and as a small token of our appreciation for your switch, we’ll put $50 in your new checking account**.
***Effective January 9, 2023. $50 will be deposited into your new checking account after the new account has been open for 60 days and both a direct deposit and an automatic payment of $50 or more each has occurred. The $50 bonus will be credited to your VISIONBank checking account within 10 business days of meeting all requirements. All other standard terms and conditions apply. Some restrictions may apply. See bank for full details. Member FDIC.
FAQs
The routing number for all VISIONBank locations is 091311106.
Yes, if you do not have a VISIONBank account you can come inside one of our branches and cash your check with a valid photo ID.
Our digital banking interface allows you to issue travel requests, change your PIN, turn your card on or off, report a card lost or stolen, and enroll in debit card transaction alerts.
No, we will never ask you to provide your credentials such as your username, password, or security questions over text, email, or phone call. If you have any questions or concerns, please contact us at 701.364.2020 or cs@visionbanks.com.
Yes! For instructions on how to set these up, please visit our Digital Banking page.
No, everything that involves UTMA accounts must be done over the phone or in person.
We have three conveniently located branches in South Fargo, West Fargo, and North Fargo! Learn more about our locations such as contact information and addresses by clicking here.
All you’ll need is a valid photo ID, phone number, email address, and your SSN. If your address on your driver’s license is not current, we will need proof of address such as a bill, lease, statement, etc..
Yes, we offer a variety of consumer and business credit cards. Apply online today by clicking here, or give us a call and we will help you with the application!
Yes, you can turn on debit card transaction alerts for every successful and denied transaction.
Devoted to Our Community
We’re a proud Fargo/West Fargo business. We are 100% focused on the people and businesses in the communities and surrounding areas. By staying in the Fargo area for almost 20 years, we can continue to be on a first-name basis with our customers and help support local businesses and non-profits wholeheartedly.
“I have done two mortgages with VISIONBank and both times the process was nothing less than excellent. They are tremendously easy to work with and kept us informed of what was going on every step of the way. It’s great to know you can get this type of service from a local bank right here in Fargo.”
