FAQs
Have a question about banking, insurance, or wealth management at Dakota Community Bank & Trust? You may find the answer below. If you do not see your question listed, please contact us and a member of our team will be happy to help.
General Questions
What makes Dakota Community Bank & Trust different from other banks?
Dakota Community Bank & Trust is a locally owned, community focused financial institution. We combine hometown service with a full range of modern banking, insurance, and wealth management solutions.
Where are your branch locations?
Dakota Community Bank & Trust has locations across North Dakota. Visit our Locations page to find a branch or ATM near you.
Do I need to be a customer to ask questions or get advice?
No. Whether you are an existing customer or just exploring your options, our team is always happy to answer questions and provide guidance.
Personal Banking
What personal banking accounts do you offer?
We offer a full range of personal banking options including checking accounts, savings accounts, certificates of deposit, personal loans, credit cards, and home loans.
How do I open a personal account?
You can open an account by visiting one of our branch locations or starting the process online. A team member will guide you through the next steps.
Are my deposits insured?
Yes. Deposits at Dakota Community Bank & Trust are insured by the FDIC up to applicable limits.
Digital Banking
Do you offer online and mobile banking?
Yes. Dakota Community Bank & Trust offers secure online and mobile banking so you can manage your accounts anytime, anywhere.
What can I do with mobile banking?
With mobile banking, you can check balances, transfer funds, pay bills, deposit checks, and monitor account activity from your smartphone or tablet.
Is digital banking secure?
Yes. We use advanced security features to help protect your personal and financial information. We also encourage customers to use strong passwords and enable alerts.
Business Banking
What types of business accounts are available?
We offer business checking, savings, treasury management services, business loans, and lines of credit designed to support businesses of all sizes.
Can multiple users access business online banking?
Yes. Our online business banking platform allows multiple users with customizable access and approval controls.
Do you offer lending for small businesses and agriculture?
Yes. Dakota Community Bank & Trust provides business loans, SBA loans, equipment financing, commercial real estate loans, and agriculture focused lending solutions.
Insurance
Do I need to bank with Dakota Community Bank & Trust to get insurance?
No. You do not need to have a bank account to work with our insurance agents.
What types of insurance do you offer?
We offer personal and commercial insurance including home, auto, life, farm and ranch, crop, and business insurance.
Are your insurance agents independent?
Yes. Our insurance agents are independent, which means they can shop multiple carriers to find coverage that fits your needs.
Wealth Management
What wealth management services are available?
Dakota Community Bank & Trust offers investment services, retirement planning, financial planning, insurance solutions, and portfolio management through our wealth management team.
Who can benefit from wealth management services?
Anyone with financial goals can benefit, whether you are planning for retirement, growing investments, or preparing for the future.
Do I need a minimum investment to get started?
Minimums may vary depending on the service. Our advisors will work with you to find solutions that fit your situation.
Getting Help
How do I contact Dakota Community Bank & Trust?
You can contact us by phone, through our website, or by visiting a local branch. Our team is ready to help with any questions you may have.
What should I do if I have a question not listed here?
If you do not see your question answered, please reach out to us directly. We will be happy to provide the information you need.