Personal Checking

If you like earning extra money and getting rewards, click the image below to find out which of our checking accounts is best for you.

 

  • Free Checking

    Enjoy simple and free checking with no monthly service charges and no minimum balance with Free Checking – Contact Us!

  • Green Checking

    Earn rewards when you bank electronically with Green Checking – Contact Us!

    • Rewards! Earn 10 cents with each CheckCard transaction and 25 cents for each direct deposit per month up to $5.00 per month - that's $60 per year!
    • Get 6 free months of Fraud-Defender ID Theft restoration; monthly charges will be refunded to your account during the first six months your account is open
    • Free Visa CheckCard
    • Free online personal banking
    • Free mobile banking app
    • Free eStatements
    • Get cash from your account free at leading retailers and thousands of free ATMs
    • If you do need to write a check, there will be a 50 cent charge
    • Make mobile deposits from your smart phone or tablet for free!
    • Make 12 free online Bill Payments per month
    • Free 24/7 phone banking
    • Enjoy $250,000 FDIC protection – visit www.fdic.gov
  • Interest Checking

    Earn interest on your account balance with Interest Checking – Contact Us!

    • Free Visa CheckCard
    • Free online personal banking
    • Free mobile banking app
    • Free eStatements
    • Get Fraud-Defender ID Theft restoration for just $2.95 per month
    • Get cash from your account free at leading retailers and thousands of free ATMs
    • Make mobile deposits from your smart phone or tablet for just 50 cents each
    • Make 12 free online Bill Payments per month
    • Earn competitive interest on your balance each day you maintain the minimum of $500
    • Free 24/7 phone banking
    • No monthly service charge of $10.00 as long as you keep a minimum balance of $500 and either use your CheckCard at least 10 times or have one direct deposit to your account each month
    • Enjoy $250,000 FDIC protection – visit www.fdic.gov
  • Gold Checking

    Earn interest without monthly service charges with Gold Checking by maintaining a combined relationship balance of more than $10,000 in your checking, money market, retirement accounts, or certificates of deposit – Contact Us!

    • Free Visa CheckCard
    • Free first order of checks
    • Free online personal banking
    • Free mobile banking app
    • Make mobile deposits from your smart phone or tablet for just 50 cents each
    • Make 12 free online Bill Payments per month
    • Earn competitive interest on your balance each day you maintain the deposit minimum of $1,000
    • Free eStatements
    • Get cash from your account free at leading retailers and thousands of free ATMs
    • Free 24/7 phone banking
    • Free money orders and cashier's checks
    • Free notary and signature guarantee services
    • No monthly service charge of $10.00 if your combined deposit relationship balances remain above $10,000
    • Enjoy $250,000 FDIC protection – visit www.fdic.gov
  • Gold Plus Checking

    Earn more as your balance grows with tiered interest rates paid on Gold Plus Checking – Contact Us!

    • Rewards! Earn 15 cents with each CheckCard transaction and 25 cents for each direct deposit per month up to $5.00 per month - that's $60 per year!
    • Earn tiered interest when you maintain a balance of $5,000 or more - the higher your balance, the more you earn!
    • Free Visa CheckCard
    • Free first order of checks
    • No annual fee for Overdraft Protection
    • Free money orders and cashier's checks
    • Free notary and signature guarantee services
    • Free online banking
    • Free mobile banking app
    • Free eStatements
    • Get cash from your account free at leading retailers and thousands of free ATMs
    • Free 24/7 phone banking
    • Make mobile deposits from your smart phone or tablet for just 50 cents each
    • Make 12 free online Bill Payments per month
    • Reorder personal checks online
    • No monthly service charge of $15.00 if your account balance remains above $5,000
    • Enjoy $250,000 FDIC protection – www.fdic.gov
  • Health Savings Accounts

    Save money on health insurance premiums and take control with a Health Savings Account. Your Health Savings checking account includes a free Visa CheckCard and lets you pay for qualified medical expenses easily – and you will help save the environment. Contact Us!

  • Overdraft Protection

    Never be embarrassed by an overdraft again with Overdraft Protection – a convenient line of credit that automatically keeps your checking account funded up to a pre-approved limit. For your convenience we have provided a fillable PDF application that may be completed, printed and brought to your bank or saved and emailed to retail.banking@dacotahbank.com. Apply Now!

    • One low annual fee equal to ten cents a day
    • Your Dacotah Bank Personal Banker will be happy to discuss fees, current rates, and payment schedule during your application process
  • Direct Deposit

    Save time and money and eliminate worry by having your paycheck, benefits payments, stock dividends, and other recurring deposits made electronically to your Dacotah Bank checking or money market account. To get started please Contact Us.

  • Visa CheckCard Features

    Digital Wallet

    • Your life is busy and you often need to do things on the fly!
    • Digital Wallet can help make your life easier. Just add your Dacotah Bank CheckCard to ApplePay, Samsung Pay, or Google Pay.
    • No more checks or cash to mess with wherever Digital Wallet is accepted - and it is safer!
    • Paying with your smartphone is easy and it is fast!
    • Load up your Digital Wallet today!

    Card Valet

    • Card Valet is the easy and safe way to manage your Dacotah Bank CheckCard!
    • Use your smartphone to turn your card on when you need it or off to protect it. Get a notification whenever your card is used.
    • Download Card Valet from your app store and enter your Dacotah Bank CheckCard information. 
    • Card Valet is fast, free, and easy!

    CardSwap

    • CardSwap is the online solution that allows you to apply Dacotah Bank Visa CheckCard or Dacotah Bank Visa credit card information across your favorite online subscriptions and digital points of sale (POS).
    • Now you can sync your Dacotah Bank debit or credit card on your accounts like Hulu, Netflix, iTunes, Amazon, and more!
    • With CardSwap, when your card renews, a few clicks in one place is all it takes to update all the sites you buy from. CardSwap is easy, fast, and it's free!
    • To enroll, login to Online Banking and click the CardSwap tab.