Business & Commercial Accounts
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. Merchant 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 Type | Account Requirements | Check Images | Minimum Balance** | Interest Bearing |
|---|---|---|---|---|
| Dakota Basic Business |
| Yes | $100.00 Avg. Daily Balance | N/A |
| Dakota Business Plus |
| Yes | $500.00 Avg. Daily Balance | Yes Tiered |
| Dakota Business Savings |
| No | N/A | Yes Tiered |
E-statements are optional on all accounts
**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)
Business Credit Cards
Choose from our popular business credit card options such as low rate, cash back or flexible rewards to
find the one that works best for your business.
No matter which card you choose, your business will benefit from important features like:
- Free online expense reporting tools.
- No fee for additional employee cards.
- Mobile payment 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.
*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.