Dakota Community Bank & Trust Personal Savings and Personal Checking

Personal Savings and Personal Checking Accounts

Here at Dakota Community Bank & Trust, we pride ourselves in providing the best experience for all of our customers. That is why you are able to access any personal savings or personal checking account via our online bank account portal or our mobile app features.

Our Dakota Savings and Dakota Free checking accounts are our most popular options amongst our personal banking options. We feel we have some of the best checking and savings account options; a full listing of our checking and savings accounts interest rates are listed in the chart below.

We break the industry stigma of impersonal banking with a welcoming hometown experience. We invite you to look at our personal banking and consumer banking products and services designed to fit your needs.

Personal Savings Accounts

Account Type	Account Requirements	Minimum Balance**	Interest Bearing
Dakota Savings	$3.00 service charge per statement cycle if average daily balance falls below $100.00. No monthly service charge if account holder has a DCB&T checking account, is 24 or younger, or is 50 or older.	$100 Avg. Daily Balance	Yes Tiered

Personal Checking Accounts

Account Type	Account Requirements	Check Images	Minimum Balance**	Features	Interest Bearing
Dakota Student	Customer must be 26 or younger to qualify for this account $3.00 monthly service charge if not enrolled in e-statements	No	N/A	Free Wallet Checks	Yes
Dakota Free	N/A	No	N/A		Yes
Dakota Now	$15.00 monthly service charge if average daily balance falls below $500.00 $500.00 minimum deposit to open account	Yes	$500 Avg. Daily Balance		Yes Tiered
Dakota Relationship	Customer must meet one of the following requirements: Be an employee of a business which banks with DCB&T Have direct deposit into this account Have construction or permanent financing with DCB&T	No	N/A	Free Wallet Checks Discount on Duplicate Checks	Yes Tiered
Dakota Relationship Plus	Customer must meet one of the following requirements: Be an employee of a business which banks with DCB&T Have direct deposit into this account Have construction or permanent financing with DCB&T	Yes	N/A	Free Wallet Checks Discount on Duplicate Checks	Yes Tiered
Money Market	$15.00 monthly service charge if average daily balance falls below $1,000.00 $1,000.00 minimum deposit to open account	No	$1,000 Avg. Daily Balance		Yes Tiered
Relationship Money Market	Customer must have a Dakota RLS, Dakota RLS Plus or a Dakota Now account with DCB&T $20.00 monthly service charge if average daily balance falls below $1,000.00 $1,000.00 minimum deposit to open account	Yes	$1,000 Avg. Daily Balance		Yes Tiered

**Minimum balance required to avoid service charge. Contact an employee for further information about applicable fees and terms. All accounts require an opening deposit of $100.00 unless stated otherwise. ATM/Debit Cards available- subject to qualification. Ready Reserve and Sweep options available- subject to qualification. E-statements are optional on all accounts.

Important Account Opening Disclosure (USA Patriot Act)

Personal Credit Cards

Choosing the right credit card is easier than ever. Whether you want to pay down balances faster,
maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!
No matter which card you choose, you’ll enjoy important features like:

Convenient and flexible purchasing power. Accepted at millions of locations worldwide.
Mobile Purchasing capability for added convenience.
Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
Cardmember Service available 24 hours a day/365 days per year.
Plus much more!

Learn More

*Elan Financial Services provides zero fraud liability for unauthorized transactions. Cardholder must notify Elan Financial Services promptly of any unauthorized use. Certain conditions and limitations may apply.

The creditor and issuer of these cards is Elan Financial Services, pursuant to separate licenses from Visa U.S.A. Inc., and Mastercard International Incorporated. Mastercard is a registered trademark, and the circles design is a trademark of Mastercard International Incorporated.