Business & Commercial Accounts

Business & Commercial Banking

Friendly and helpful customer service shouldn’t be limited to personal and consumer banking. Our business and commercial customers experience the same quality of customer service with additional programs and services designed to give you a stress free business banking experience. These services include:

  • Online Business Banking that will accommodate multiple users
  • Business Checking
  • Business Savings Accounts
  • Remote Deposit Capture (Merchant Capture)
  • Electronic Payments (ACH)
  • Direct Deposit
  • Positive Pay check fraud and electronic payment fraud detection

We invite you to stop into one of our locations or contact us to discuss your options today.


Remote Deposit Capture (Merchant Capture)

Our Remote Deposit Capture, also known as Merchant Capture, offers flexibility to make secure deposits 24/7 from your desk! This feature is like having our teller in your office 24 hours a day, 7 days a week; including on weekends and holidays. Merhant Capture saves you time by automating your deposit process and eliminating the need to travel to a Dakota Community Bank & Trust location to deposit your checks; all while maintaining your business’ and your customer’s privacy. Check out how Merchant Capture works.


Positive Pay

Positive Pay is an automated fraud prevention tool offered by Dakota Community Bank & Trust to protect against altered, forged, and counterfeit checks. This electronic system analyzes the accuracy of checks a company issues with those presented for payment to make sure the account number, date, and dollar amount are consistent.


Business & Commercial Bank Accounts

Account TypeAccount RequirementsCheck ImagesMinimum Balance**Interest Bearing
Dakota Basic Business
  • $100.00 minimum deposit to open account
  • $35.00 monthly service charge if average daily balance falls below $100.00
Yes$100.00 Avg.
Daily Balance
N/A
Dakota Business Plus
  • $500.00 minimum deposit to open account
  • $20.00 monthly service charge if average daily balance falls below $500.00
Yes$500.00 Avg. Daily BalanceYes
Tiered
Dakota Business Savings
  • $100.00 minimum deposit to open account
  • See limited on Withdrawls and Transfers* below
NoN/AYes
Tiered

E-statements are optional on all accounts
*Limits on Withdrawals or Transfers: Limit of 6 transfers or withdrawals each four (4) week or similar period by check, debit card, telephone or internet banking, auto transfers or similar order to a third party. Unlimited transfers or withdrawals in person, by mail or ATM.
**Minimum balance required to avoid service charge. Contact an employee for further information about applicable fees and terms.
Important Account Opening Disclosure (USA Patriot Act)