Personal Banking Designed for Everyday Life
Personal banking at Dakota Community Bank & Trust is built to keep your finances simple and accessible.
Explore Personal Banking Options
Checking Accounts
Basic checking is a straightforward option for managing daily spending. It gives you easy access to your money with debit card use, online banking and mobile banking tools.
Money Market Accounts
Money market accounts combine the flexibility of checking with the opportunity to earn interest. You can access funds while allowing your balance to grow at a competitive rate.
Relationship Plus Accounts
Relationship Plus accounts are designed to reward deeper banking relationships. These accounts may offer added benefits and higher earning potential when paired with other qualifying services.
Savings Accounts
Build your savings with accounts that make setting money aside simple. Our savings accounts offer a secure place to grow funds while keeping access when you need it. Whether you are saving for emergencies, short term goals or long term plans, we provide tools and guidance to help you stay on track.
Certificates of Deposit (CDs)
For customers looking for steady growth, Certificates of Deposit offer a reliable way to earn interest over time. Choose from a variety of terms to match your financial goals and timeline.
CDs provide predictable returns and peace of mind, making them a smart option for funds you do not need immediate access to.
No matter which card you choose, you’ll enjoy important features like:
Personal Credit Cards
Choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you!
No matter which card you choose, you’ll enjoy important features like:
- Convenient and flexible purchasing power. Accepted at millions of locations worldwide.
- Mobile Purchasing capability for added convenience.
- Zero Fraud Liability.* You won’t be liable for fraudulent purchases when your card is lost or stolen.
- Card member Service available 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.
Digital Banking Made Easy
Manage your personal accounts anytime with secure online and mobile banking. Check balances, transfer funds, pay bills and deposit checks with ease. Our digital tools give you the flexibility to bank on your schedule while still having access to local support.
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
Dakota Community Bank & Trust Checking Accounts
| Account Type | Requirements | Features | Min. Balance | Check Images | Interest |
|---|---|---|---|---|---|
| Dakota Student | Customer must be 26 or younger to qualify. $3.00 Monthly service charge if not enrolled in e-statements. | Free wallet checks | N/A |
|
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| Dakota Free | None. | N/A | N/A |
|
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| Dakota Now | $15.00 monthly service charge if average daily balance falls below $500.00. $500.00 minimum deposit to open account | N/A | $500 Average Daily Balance |
|
Tiered
|
| Dakota Relationship | Customer must meet one of the following requirements: Be an employee of a business which banks with DCB&T. Have direct deposit into this account. Have construction or permanent financing with DCB&T | Free Wallet Checks. Discount on Duplicate Checks | N/A |
|
Tiered
|
| Dakota Relationship Plus | Customer must meet one of the following requirements: Be an employee of a business which banks with DCB&T. Have direct deposit into this account. Have construction or permanent financing with DCB&T | Free Wallet Checks. Discount on Duplicate Checks | N/A |
|
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 | N/A | $1,000 Average Daily Balance |
|
Tiered
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| 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 | N/A | $1,000 Average Daily Balance |
|
Tiered
|
| Account Type | Requirements | Features | Min. Balance | Check Images | Interest |
|---|---|---|---|---|---|
| Dakota Student | Customer must be 26 or younger to qualify. $3.00 Monthly service charge if not enrolled in e-statements. | Free wallet checks | N/A |
|
|
| Dakota Free | None. | N/A | N/A |
|
|
| Dakota Now | $15.00 monthly service charge if average daily balance falls below $500.00. $500.00 minimum deposit to open account | N/A | $500 Average Daily Balance |
|
Tiered
|
| Dakota Relationship | Customer must meet one of the following requirements: Be an employee of a business which banks with DCB&T. Have direct deposit into this account. Have construction or permanent financing with DCB&T | Free Wallet Checks. Discount on Duplicate Checks | N/A |
|
Tiered
|
| Dakota Relationship Plus | Customer must meet one of the following requirements: Be an employee of a business which banks with DCB&T. Have direct deposit into this account. Have construction or permanent financing with DCB&T | Free Wallet Checks. Discount on Duplicate Checks | N/A |
|
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 | N/A | $1,000 Average Daily Balance |
|
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 | N/A | $1,000 Average Daily Balance |
|
Tiered
|
Account Type
Dakota Student
Requirements
Customer must be 26 or younger to qualify. $3.00 Monthly service charge if not enrolled in e-statements.
Features
Free wallet checks
Min. Balance
N/A
Check Images
Interest
Account Type
Dakota Free
Requirements
None.
Features
N/A
Min. Balance
N/A
Check Images
Interest
Account Type
Dakota Now
Requirements
$15.00 monthly service charge if average daily balance falls below $500.00. $500.00 minimum deposit to open account
Features
N/A
Min. Balance
$500 Average Daily Balance
Check Images
Interest
Account Type
Dakota Relationship
Requirements
Customer must meet one of the following requirements: Be an employee of a business which banks with DCB&T. Have direct deposit into this account. Have construction or permanent financing with DCB&T
Features
Free Wallet Checks. Discount on Duplicate Checks
Min. Balance
N/A
Check Images
Interest
Account Type
Dakota Relationship Plus
Requirements
Customer must meet one of the following requirements: Be an employee of a business which banks with DCB&T. Have direct deposit into this account. Have construction or permanent financing with DCB&T
Features
Free Wallet Checks. Discount on Duplicate Checks
Min. Balance
N/A
Check Images
Interest
Account Type
Money Market
Requirements
$15.00 monthly service charge if average daily balance falls below $1,000.00. $1,000.00 minimum deposit to open account
Features
N/A
Min. Balance
$1,000 Average Daily Balance
Check Images
Interest
Account Type
Relationship Money Market
Requirements
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
Features
N/A
Min. Balance
$1,000 Average Daily Balance
Check Images
Interest
**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.
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 multiple options for making a deposit.
Contact us today!
Dakota Community Bank & Trust Savings Accounts
| Account Type | Requirements | Min. Balance | Interest |
|---|---|---|---|
| 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 Daily Balance |
Tiered
|
| Account Type | Requirements | Min. Balance | Interest |
|---|---|---|---|
| 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 Daily Balance |
Tiered
|
| Account Type | Requirements | Min. Balance | Interest |
|---|---|---|---|
| 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 Daily Balance |
Tiered
|
Account Type
Dakota Savings
Requirements
$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.
Min. Balance
$100 Daily Balance
Interest
Tiered
| Account Type | Requirements | Min. Balance | Interest |
|---|---|---|---|
| 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 Daily Balance |
Tiered
|
Account Type
Dakota Savings
Requirements
$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.
Min. Balance
$100 Daily Balance
Interest
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.
Benefits of Checking Accounts
Dakota Community Bank and Trust offers checking accounts designed to make everyday banking easier. No matter which account you choose, you’ll enjoy these helpful benefits.
Direct Deposit
With direct deposit, you can receive your paycheck sooner. Your money is available as soon as it is processed so you do not have to wait.
Easy Debit Card Management
Manage your debit card directly from your mobile banking app. Turn your card on or off, set spending controls and enjoy peace of mind.
Digital and Mobile Banking
Access your accounts anytime with secure online and mobile banking. Check balances, transfer funds, pay bills and deposit checks with ease.
Local Support You Can Trust
When you have questions, you can talk to real people who know your community. Our local team is here to help you make confident decisions.
Banking Resources
Digital Banking
Online Banking Guides
Digital Banking