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)
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.