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.

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 banking and consumer banking products and services designed to fit your needs.

Personal Savings Accounts

Account TypeAccount RequirementsMinimum 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 BalanceYes
Tiered
Good Neighbor Loyalty Club
  • $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
  • $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
  • $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

**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

The Visa® Everyday Rewards+ Card allows you to redeem points for travel, cash back, and more! The Everyday Rewards+ is the credit card that rewards you for everyday purchases, including groceries, gas, and streaming services. Upon approval, customers can jump-start their earnings with a $150 (15,000 point) bonus after spending $500 within the first 90 days of account opening.

Everyday Rewards+ Card
Points for everyday purchases.
  • $150 bonus reward (15,000 points) after you spend $500 within first 90 days of account opening
  • 4x unlimited points on dining, take-out & food delivery
  • 2x unlimited points at grocery stores, grocery delivery, gas stations and streaming services
  • 1x unlimited points on all other eligible purchases
  • Flexible rewards redemption Redeem points for cash back, travel, merchandise and more.
  • Intro APR for Purchases and Balance Transfers: 0% introductory APR for the first 6 billing cycles. After that, 14.49% to 23.49% based on your creditworthiness when you open your account. This APR will vary with the market based on the Prime Rate.
  • No annual fee.

Applications and credit cards are accepted and issued by Elan Financial Services.