Business Deposit Account Options
More: Checking | Savings | CDs | Overdraft Protection | Electronic Banking
Checking Accounts
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Small Business Checking
Perfect for the small business owner or entrepreneur that has a lower level of transaction activity. This account requires only a small inital deposit to open and has a low minimum balance requirement.
Commercial Checking
Designed for businesses that have a higher level of check writing and deposit activity. Monthly service charges may be offset by an Earnings Credit on the account's average collected balance.
HSA Accounts
HSAs offer a way to save money in a designated account used to pay for qualified out-of-pocket medical expenses. They are designed to be used in conjunction with a high deductible health plan. At Dairy State Bank, we can help set up HSAs for your employees.
Savings Accounts
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Savings
Small businesses can earn interest even on low balances by depositing excess funds in a savings account.
Money Market
A money market savings account is perfect for businesses that have larger amount of money for savings. This account features a tiered interest rate.
Certificates of Deposit (CD)
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Dairy State Bank offer CDs with competitive rates to make sure your money is working for you. Maximize your earnings with as little as $1,000 and terms from 6 months to 5 years. CDs are a secure investment and are FDIC insured.
CDARS - Certificate of Deposit Account Registry Service
With CDARS, you can access FDIC protection on multi-million dollar CD investments through Dairy State Bank. There are few guarantees in life - FDIC insurance is one of them. CDARS can be a valuable cash management or longer-term investment tool for you.
Overdraft Protection
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Dairy State Bank offers you two ways to protect your checking account from a potential overdraft balance. Overdraft protection is a great tool to help you maintain a positive checking account history while also eliminating NSF (non-sufficient funds) fees.
Automatic Transfer
Use your money to save you money! Our automatic transfer feature will initiate a transfer of available funds from another specified account to your checking account should the balance not be sufficient to cover a withdrawal. Transfers are made in increments of $50.00 for a small fee of $3.00 per transfer.
Ready Reserve Line of Credit*
Borrow a little – save big! Our Ready Reserve will initiate a transfer of available funds from a line of credit account to your checking account should the balance not be sufficient to cover a withdrawal. Transfers are made in increments of $100.00. An annual fee of $15.00 (plus interest on amount borrowed) is a small price to pay for peace of mind!
*Subject to credit approval.
