Personal Banking Quick Links
Personal Checking
Two Great Personal Checking Account Packages and Exceptional Customer Service at 21st Century Bank
At 21st Century Bank, we take pride in providing our customers with comprehensive checking packages offering competitive benefits and features. Our Essential and Enhanced packages are designed to meet your banking needs with unparalleled customer service. Our knowledgeable and friendly banking team can always help you with any questions or concerns. We believe in building long-lasting relationships with our customers, so we go above and beyond to ensure you feel valued and taken care of.
With branches throughout the Twin Cities area, we are dedicated to serving the communities we are a part of. We have branches in Minneapolis, Roseville, Blaine, Ham Lake, Loretto, Lilydale, and Rogers. Discover the 21st Century Bank difference today.
Personal Checking Account Types
We understand that your banking needs are unique, so we offer two distinct checking packages. Our Essential package is perfect for those who want a simple, no-frills account with no minimum balance requirement. Our Enhanced package is the way to go for those who want a more comprehensive package with added benefits.
| 21st Essential Checking | 21st Enhanced Checking | ||
|---|---|---|---|
| Key Benefits | |||
| Minimum Balance | No minimum balance required | $500.00 minimum daily balance or $5,000.00 combined average daily balance1 | |
| Opening Deposit | $100.00 | $100.00 | |
| Monthly Statements | Free monthly e-statement with check images ($5.00 per month for paper statement) Customers over 65 will have their paper statement fees waived | Free monthly e-statement with check images ($5.00 per month for paper statement) Customers over 65 will have their paper statement fees waived | |
| Other Features | Unlimited check writing privileges | $500.00 minimum balance to earn interest Tiered interest rates* Interest compounded daily and paid monthly | |
Key Benefits
- No minimum balance required with unlimited check writing privileges
- $100.00 Opening Deposit
- Free monthly e-statement with check images ($5.00 per month for paper statement)
- Customers over 65 will have their paper statement fees waived
Key Benefits
- $500 minimum balance to earn interest
- $500 minimum daily balance or $5,000 combined average daily balance1
- $100.00 Opening Deposit
- Free monthly e-statement with check images ($5.00 per month for paper statement)
- Customers over 65 will have their paper statement fees waived
- Tiered interest rates*
- Interest compounded daily and paid monthly
*For current rate information, please contact an office near you. Your interest rate and annual percentage yield (APY) may change. We may change the interest rate on your account weekly.
The average daily ledger balance is calculated by adding the principal in the account for each day of the period and dividing that figure by the number of days in the period.
1 $12.00 monthly service fee if the minimum daily balance or combined average daily balance is not maintained any day of the statement cycle
Learn More About Our Personal Banking
Overdraft Protection
Peace of Mind for Life's Little Errors
With 21st Century Bank’s Overdraft Protection, you can have peace of mind knowing that small mistakes won’t disrupt your finances. Our quick and easy approval process helps you get set up in no time, with a competitive fixed interest rate to keep things affordable.
Key Features
- Minimum loan amount of $100 – ideal for covering minor overdrafts without unnecessary hassle.
- Unsecured – no collateral required, making it simple and straightforward.
- Fixed interest rate – predictable costs for easy budgeting.
Stay protected against accidental overdrafts with a solution designed to keep your finances on track.
Free Yourself From Fees
- Free Online Banking
- Free Bill Pay
- Free MasterCard Cash or MasterCard Cash & Debit Cards
- Free transfers between accounts
- Free e-statements
Ready to simplify your banking?
Contact us to get started or visit your nearest branch—we’re here to help you every step of the way.