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 Type | Account Requirements | Minimum Balance** | Interest Bearing |
---|---|---|---|
Dakota Savings |
| $100 Avg. Daily Balance | Yes Tiered |
Good Neighbor Loyalty Club |
| $500 Avg. Daily Balance | Yes Tiered |
Personal Checking Accounts
Account Type | Account Requirements | Check Images | Minimum Balance** | Features | Interest Bearing |
---|---|---|---|---|---|
Dakota Student |
| No | N/A |
| Yes |
Dakota Free | N/A | No | N/A | Yes | |
Dakota Now |
| Yes | $500 Avg. Daily Balance | Yes Tiered |
|
Dakota Relationship | Customer must meet one of the following requirements:
| No | N/A |
| Yes Tiered |
Dakota Relationship Plus | Customer must meet one of the following requirements:
| Yes | N/A |
| Yes Tiered |
Good Neighbor Loyalty Club |
| Yes | $500 Avg. Daily Balance |
| Yes Tiered |
Money Market |
| No | $1,000 Avg. Daily Balance | Yes Tiered |
|
Relationship Money Market |
| Yes | $1,000 Avg. Daily Balance | Yes 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.