Dakota West Credit Union
Personal Checking Accounts | Dakota West Credit Union | Watford City, ND

Personal Checking

Our personal checking accounts are packed with benefits. Choose from accounts that offer cash back on debit card purchases, earn interest on your balance, include refunds on ATM fees, and more!

All personal checking accounts include:

Free My Accounts Online
Free eStatements
Free Bill Pay
Free Mobile App for account access and services
Free Card Controls App for debit card control and alert services
Data and other wireless carrier charges may apply.

Online Services - Free Access to All Accounts

We offer free access to our online and mobile banking platforms where you can control your debit cards, make bill payments, view eStatements and account balances, and more.

Dakota West Personal Checking

We offer three types of personal checking accounts to meet your individual needs.

Kasasa Checking

Kasasa accounts at Dakota West Credit Union are free checking accounts that reward members with cash back, high interest, and nationwide ATM fee refunds for meeting simple monthly requirements like debit card use and eStatement enrollment.

Free Kasasa Cash® Checking

Kasasa Cash® accounts offer a high annual percentage yield (APY) on balances up to a specified amount, along with refunds on nationwide ATM withdrawal fees. There are no monthly maintenance fees, and no minimum balance is required to earn rewards.

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Free Kasasa Cash Back® Checking

With Kasasa Cash Back® accounts, members earn a percentage of cash back on debit card purchases, up to a monthly maximum, and receive refunds on nationwide ATM withdrawal fees. Like the Kasasa Cash® account, it has no monthly maintenance fees or minimum balance requirement to earn rewards.

Open an Account

Account Benefits

5.0% Cash Back on Debit Card Purchases (up to $120 cash back per year, $10 per month)3 5.0% APY on Balances up to $25,0001 Refunds on ATM Withdrawal Fees, Nationwide1,3 Free Mastercard® Debit Card No Minimum Balance to Earn Rewards No Monthly Maintenance Fee Premium Overdraft Protection2

Free
Kasasa Cash®
Checking

Free
Kasasa Cash
Back® Checking

Free Kasasa Cash® Checking

Kasasa Cash® accounts offer a high annual percentage yield (APY) on balances up to a specified amount, along with refunds on nationwide ATM withdrawal fees. There are no monthly maintenance fees, and no minimum balance is required to earn rewards.

  • 5.0% APY* on Balances up to $25,0001
  • Refunds on ATM Withdrawal Fees, Nationwide1,3
  • Free Mastercard® Debit Card
  • No Minimum Balance to Earn Rewards
  • No Monthly Maintenance Fee
  • Premium Overdraft Protection2
Open an Account

Free Kasasa Cash Back® Checking

With Kasasa Cash Back® accounts, members earn a percentage of cash back on debit card purchases, up to a monthly maximum, and receive refunds on nationwide ATM withdrawal fees. Like the Kasasa Cash® account, it has no monthly maintenance fees or minimum balance requirement to earn rewards.
  • 5.0% Cash Back on Debit Card Purchases (up to $120 cash back per year, $10 per month)3
  • Refunds on ATM Withdrawal Fees, Nationwide1,3
  • Free Mastercard® Debit Card
  • No Minimum Balance to Earn Rewards
  • No Monthly Maintenance Fee
  • Premium Overdraft Protection2
Open an Account

Badlands Checking

Badlands accounts at Dakota West Credit Union offer flexible checking options, including Badlands Gold, which pays dividends for higher balances, and Badlands Checking, a no-minimum-balance account with essential banking services.

Badlands® Checking

A straightforward checking account with no minimum balance requirement, offering essential services like premium overdraft protection and free online and mobile account access, including bill pay and eStatements.

Open an Account

Badlands Gold® Checking

Designed for members who maintain higher balances, this account pays monthly dividends and provides benefits such as free debit card replacement, free cashier and teller checks, and premium overdraft protection. A minimum balance of $2,500 is required to waive a $10 monthly maintenance fee.

Open an Account

Account Benefits

No Minimum Balance $2500 Minimum Balance4 FREE Debit Card Replacement Dividends Paid Monthly FREE Cashier and Teller Checks Premium Overdraft Protection2

Badlands®
Checking

Badlands Gold®
Checking

Badlands® Checking

A straightforward checking account with no minimum balance requirement, offering essential services like premium overdraft protection and free online and mobile account access, including bill pay and eStatements.

  • No Minimum Balance
  • Premium Overdraft Protection2
Open an Account

Badlands Gold® Checking

Designed for members who maintain higher balances, this account pays monthly dividends and provides benefits such as free debit card replacement, free cashier and teller checks, and premium overdraft protection. A minimum balance of $2,500 is required to waive a $10 monthly maintenance fee.

  • $2500 Minimum Balance4
  • FREE Debit Card Replacement
  • Dividends Paid Monthly
  • FREE Cashier and Teller Checks
  • Premium Overdraft Protection2
Open an Account

Smart Start Checking

Smart Start Checking

Real checking, sized for a teenager. A parent stays on as joint owner while your teen gets their own debit card, with spending limits built for a first job or allowance.

  • Account Available to Children Ages 13-17
  • $200 daily spending limit
  • Overdraft protection from savings or parent account
Open an Account

E-Checking

E-Checking

E-checking may be for you! Designed with low maintenance and minimal fuss, it helps you move beyond the challenges from the past and start saving with ease.

Open an Account
    1. Please review the Kasasa Cash® Truth In Savings disclosure for full details.
    2. Payment of Overdraft Disclosure We offer standard overdraft services, this service allows us to authorize payment for the following types of transactions regardless of whether your share or deposit account has sufficient funds: (1) share drafts/checks and other transactions made using your checking account, except as otherwise described below; (2) automatic bill payments; (3) and ACH transactions. For ATM and one-time debit card transactions, you must affirmatively consent to such coverage. Without your consent, the Credit Union may not authorize and pay an ATM or one-time debit card transaction that will result in insufficient funds in your account. If you have established a service linking your share or deposit account with other individual or joint accounts, you authorize us to transfer funds from another account of yours to cover an insufficient item, including transfers from a share or deposit account, an overdraft line-of-credit account, or other account you so designate. Services and fees for these transactions are shown in the document the Credit Union uses to capture your affirmative consent and the Schedule of Fees and Charges. Except as otherwise agreed in writing, if we exercise our right to use our discretion to pay such items that result in an insufficiency of funds in your account, we do not agree to pay them in the future and may discontinue coverage at any time without notice. If we pay these items or impose a fee that results in insufficient funds in your account, you agree to pay the insufficient amount, including the fee assessed by us, in accordance with our standard overdraft services or any other service you may have authorized with us or, if you do not have such protections with us, in accordance with any overdraft payment policy we have, as applicable. For more information, please see the membership agreement.
    3. Please review the Kasasa Cash Back® Truth In Savings disclosure for full details.
    4. $10 monthly maintenance fee if account balance falls below $2,500 at any time during the cycle month.
    5. $10 monthly maintenance fee if account falls below $1,000 at any time during the monthly cycle.
     

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Credit Union

We understand the cycles of farming and ranching throughout 
western North Dakota, and your family needs.
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