Personal Savings and Personal Checking Accounts

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. 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.

Unique to us is our Good Neighbor Loyalty Club. Along with this personal checking account, the club offers fun travel opportunities, health seminars, social events, and promotes a healthy financial IQ. If you have celebrated at least 50 birthdays and have a DCB&T account, you are eligible to join! There is no fee to sign up! For more information, please stop in or call your local branch.

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

Personal Savings Accounts

Account TypeAccount RequirementsMinimum Balance**Interest Bearing
Dakota Savings
  • See limits on Withdrawals and Transfers* below.
  • $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 BalanceYes
Tiered
Good Neighbor Loyalty Club
  • See limits on Withdrawals and Transfers* below.
  • $3.00 service charge per statement cycle if average daily balance falls below $500.00.
  • $500.00 minimum deposit to open account and must be over 50 years old.
$500 Avg. Daily BalanceYes
Tiered

Personal Checking Accounts

Account TypeAccount RequirementsCheck ImagesMinimum Balance**FeaturesInterest 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
NoN/A
  • Free Wallet Checks
Yes
Dakota FreeN/ANoN/AYes
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 BalanceYes
Tiered
Dakota RelationshipCustomer must meet one of the following requirements:
  1. Be an employee of a business which banks with DCB&T
  2. Have direct deposit into this account
  3. Have construction or permanent financing with DCB&T
NoN/A
  • Free Wallet Checks
  • Discount on Duplicate Checks
Yes
Tiered
Dakota Relationship PlusCustomer must meet one of the following requirements:
  1. Be an employee of a business which banks with DCB&T
  2. Have direct deposit into this account
  3. Have construction or permanent financing with DCB&T
YesN/A
  • Free Wallet Checks
  • Discount on Duplicate Checks
Yes
Tiered
Good Neighbor Loyalty Club
  • $500.00 minimum deposit to open account
  • $15.00 monthly service charge if balance falls below $500
  • Direct Deposit into this account is required
  • Customer must be 50 years or older
Yes$500 Avg. Daily Balance
  • No charge for money orders or cashiers checks
  • Free Wallet or Duplicate Checks
Yes
Tiered
Money Market
  • See limits on Withdrawals and Transfers* below
  • $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 BalanceYes
Tiered
Relationship Money Market
  • Customer must have a Dakota RLS, Dakota RLS Plus or a Dakota Now account with DCB&T
  • See limits on Withdrawals and Transfers* below
  • $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 BalanceYes
Tiered

*Limits on Withdrawals and Tranfers: Limit of 6 transfers or withdrawals each four (4) week or similar period by check, debit card, telephone or internet banking, auto transfer 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. 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.

Procedures For Opening A Deposit Or Loan Account With Dakota Community Bank & Trust, N.A.

To help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account.

What this means for you: When you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver’s license or other identifying documents.