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Dairy State Bank | Business Accounts

Business Deposit Account Options
More: Checking | Savings | CDs | Overdraft Protection | Electronic Services | Debit Cards | Prepaid Cards | Back to Business Accounts

Checking Accounts
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Today’s best financial tools and options are available on all of our business checking accounts. A business checking account forms the foundation of all your liquid assets and is necessary in order to advance to your next level of success.
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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 initial 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 ledger balance.

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HSA Accounts
Health Savings 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 insurance plan. At Dairy State Bank,
we can help set up HSAs for your employees.

Savings Accounts
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Most business owners recognize that business banking goes beyond having a checking account. It’s about joining forces with an experienced Dairy State banker who can provide you with savings options that will help you succeed.

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 amounts of money for savings. This account features a tiered interest rate.

Business Wealth Builders
Designed with long-term savings in mind and more flexible than a CD.

Certificates of Deposit
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Commit to saving for a designated length of time, and earn higher, fixed-rate interest. CD’s with competitive rates such as ours, allow your money to work for you, and by staggering CD maturities you can accommodate cash flow needs.

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. 

Ready Reserve Line of Credit*
Borrow a little – save big! !  Our Ready Reserve account will initiate a transfer of available funds from a line of credit to your checking account should the balance not be sufficient to cover a withdrawal. A little peace of mind for busy people. *Subject to credit approval.

Debit Cards
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A Dairy State Bank VISA business debit card makes everyday purchases quick and easy without carrying the company checkbook. This card will allow your employees to pay for expenses on your behalf while out of town or just down the street. Funds are deducted directly from your business checking account. Our debit card includes both the business name and the employee's name.

This free mobile app helps protect your debit card from fraud and so much more. You can set usage and spending limits to help you stick to a budget and ensure company policies are followed.

  • Budget Conscious—Overspending is easy.
    Now, sticking to your budget can be, too.
    You select merchant codes, set spending
    thresholds, choose location parameters
    and more to help ensure employee purchases
    are in line with your company policies.
    Spending limits can be changed in real time
    via your mobile device.
  • Fraud Protection—Turning your debit card off
    when you’re not using it helps safeguard against
    fraud. When your card is “off,” no withdrawals or
    purchases will be approved. Transaction controls that allow your debit card to work only in specific locations or geographic areas add another layer of protection. Real-time alerts keep you informed when your card is used or declined.

Getting started is easy­­—simply download the app from Google Play or the App Store. Watch our CardValet video for more information and learn how easy it is to use!

To report a lost or stolen debit card:

  • during regular business hours - 715-234-9181
  • after hours - 800-554-8969

To activate your card and select or change a PIN:

  • 800-567-3451

Prepaid Cards

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Gift Cards
If you're looking for gifts for your employees, starting an incentive program, or need to reward a job well done, a Dairy State Bank Visa gift card is the answer. You choose the amount from $10 to $1,000. Our gift card can be used wherever Visa debit cards are accepted.

    • Instant Issue Cards – If you need a card today, stop by any Dairy State Bank location to make your purchase.
    • Large Order Cards – Order cards for multiple employees at one time. This choice provides you with options for personalized messages and varied dollar amounts. The cards are shipped directly to you. Once you receive them, you simply activate them and you’re ready to reward your employees.

With a Gift Card, you are giving the perfect gift every time!  Visit any Dairy State Bank location to purchase a gift card for any occasion.

Travel Cards
Manage employee travel expenses easier with a Dairy State Bank Visa Travel Card. This card can be issued in any amount from $20 to $3,000 and it's reloadable.  Register your card, check your balance, track spending and more at Visit any Dairy State Bank location to purchase your travel card.

You will love the convenience this card offers:

  • Accepted internationally and anywhere Visa is accepted
  • Add a companion card and both cardholders have access to the funds
  • Direct Deposit - put a little away every month for your next trip
  • More control - Spend only what you load
  • Pay bills online - Saves time and more secure than mail
  • Get cash at ATMs
  • Text alerts available