Business Banking Built for Local Success
Business banking at Dakota Community Bank & Trust is designed to support the way you work. From managing daily finances to planning for growth, we offer practical solutions backed by local decision making and personal service.
Explore Business Banking Services
Dakota Basic Business
Dakota Basic Business is a simple checking option for small businesses and organizations with lower transaction needs. It offers straightforward access to funds with a low minimum opening deposit and basic account features.
This account works well for businesses looking for an affordable way to manage daily finances.
Dakota Business Plus
Dakota Business Plus is designed for businesses that maintain higher balances and want added benefits. With tiered interest potential and expanded features, it provides more value for growing operations.
This account is ideal for businesses that want flexibility and earning potential while keeping funds easily accessible.
Dakota Business Savings
Dakota Business Savings offers a secure way to set aside funds for future needs. With tiered interest and no monthly service charge, it helps businesses grow reserves while keeping money available when needed.
This account is a good choice for building savings alongside a business checking account.
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:
No matter which card you choose, you’ll enjoy 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 Serviceavailable 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.
Online and Mobile Business Banking Services
Manage your business finances with secure online and mobile banking tools designed for flexibility and control. Dakota Community Bank and Trust provides digital services that help streamline operations while keeping your accounts protected.
No matter which card you choose, you’ll enjoy important features like:
- Remote Deposit Capture
- Electronic Payments (ACH)
- Direct Deposit
- Positive Pay and Fraud Protection
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.
Positive Pay
Protect your business with Positive Pay and advanced fraud detection tools. These services help identify unauthorized checks and electronic payments before they are processed, giving you greater peace of mind and control.
Dakota Community Bank & Trust Business & Commercial Accounts
| Account Type | Requirements | Min. Balance | Check Images | Interest |
|---|---|---|---|---|
| Dakota Basic Business | $100.00 minimum deposit to open account. $35.00 monthly service charge if average daily balance falls below $100.00 | $100.00 Average Daily Balance |
|
|
| Dakota Business Plus | $500.00 minimum deposit to open account. $20.00 monthly service charge if average daily balance falls below $500.00 | $500.00 Average Daily Balance |
|
Tiered
|
| Dakota Business Savings | $100.00 minimum deposit to open account | N/A |
|
Tiered
|
| Account Type | Requirements | Min. Balance | Check Images | Interest |
|---|---|---|---|---|
| Dakota Basic Business | $100.00 minimum deposit to open account. $35.00 monthly service charge if average daily balance falls below $100.00 | $100.00 Average Daily Balance |
|
|
| Dakota Business Plus | $500.00 minimum deposit to open account. $20.00 monthly service charge if average daily balance falls below $500.00 | $500.00 Average Daily Balance |
|
Tiered
|
| Dakota Business Savings | $100.00 minimum deposit to open account | N/A |
|
Tiered
|
Account Type
Dakota Basic Business
Requirements
$100.00 minimum deposit to open account. $35.00 monthly service charge if average daily balance falls below $100.00
Min. Balance
$100.00 Average Daily Balance
Check Images
Interest
Account Type
Dakota Business Plus
Requirements
$500.00 minimum deposit to open account. $20.00 monthly service charge if average daily balance falls below $500.00
Min. Balance
$500.00 Average Daily Balance
Check Images
Interest
Account Type
Dakota Business Savings
Requirements
$100.00 minimum deposit to open account
Min. Balance
N/A
Check Images
Interest
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.
Ready to open an account?
Tell us about yourself.
We’ll need some personal information to get your account started.
Make your first deposit.
Dakota Community Bank & Trust has a $100 minimum opening deposit.
Get started here.
Banking Resources
Digital Banking
Online Banking Guides
Digital Banking