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Dairy State Bank | Personal Accounts



Personal Deposit Account Options
More: Checking | Savings | CDs | IRAs | Overdraft Protection | Compare Checking Accounts | Compare Savings Accounts | Investment Center | Electronic Services | ATM Cards | Debit Cards | Prepaid Cards | Calculators | Back to Personal Accounts


Checking Accounts Flash Content
Personal
| Top
Most jobs are much easier when you have the right tools.
That applies to your day-to-day banking, as well. A checking
account from Dairy State Bank is one of the best banking
values around. Our distinct accounts cover the spectrum of
financial preferences, and each one offers an impressive
list of features and benefits. Even our Free Checking account
holders qualify for special customer perks. With the
convenience of online banking, free bill pay, a debit card and
eStatements, you can do your banking virtually anywhere!

Flash Content
Free Checking
Our basic account requires no minimum
balance, offers unlimited check writing, and
has no monthly service charge.



Interest Checking
Earn interest on your money while maintaining a low
minimum balance.
FDIC

 

Rewards Checking
Over the age of 55? You've earned rewards! In
addition to earning interest on your money with
this free account, you get opportunities for travel
and special events.


Flash Content
Health Savings Account
If you are covered under a high-deductible health
insurance plan, this tax-free HSA account can be
used to pay for qualified medical expenses.





Compare Checking Accounts

Click here to compare savings accounts

 

FREE
CHECKING

INTEREST
CHECKING

REWARDS
CHECKING

HEALTH
SAVINGS
ACCOUNT

Amount to
Open

$25

$25

$25

$50

Interest
Earned

No

Yes

Tiers at $0, $500,
$2,500, $10,000

Tiers at $500
& $5,000

Daily Balance
To Earn
Interest

No

$500

$0

$500

Monthly
Service
Charge

No

$7 if below
$500 minimum

No

No

Images
Available

No

Yes; $4/month

Free with customer
option

No

Savings Overdraft
Transfers

Yes; $5 fee
per transfer

Yes; $5 fee
per transfer

Yes; free

No

Free Basic
Checks

No; prices &
styles vary

No; prices &
styles vary

Yes

No; prices &
styles vary

Also Available 

FREE:
Online Banking,
Bill Pay*,
Debit Card,
Telebank,
eStatements,
Mobile Banking

FREE:
Online Banking,
Bill Pay*,
Debit Card,
Telebank,
eStatements,
Mobile Banking

FREE:
Online Banking,
Bill Pay*,
Debit Card,
Telebank,
eStatements,
Mobile Banking

PLUS:
Travel Opportunities,
Special Events

FREE:
Online Banking,
Bill Pay*,
Debit Card,
Telebank,
eStatements,
Mobile Banking

* $5 monthly inactivity charge on Bill Pay accounts
All accounts are subject to Terms and Conditions and Debit card application approval. Other restrictions and fees may apply.


Savings Accounts

Personal
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Dairy State Bank has a long tradition of helping people achieve their financial dreams. Whether you’re saving to reach a long-range goal or just need a savings account for basic money management, we provide options that are convenient and take into account your priorities.

Savings
Earn interest on your money while saving for future expenses.

Junior Savers
Savers 18 years old and under learn the importance of saving at an early age with this basic account.

Money Market
Higher tiered interest rates are earned on your money while offering access with limited check writing.

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

Christmas Club
Save all year for your holiday expenses.

Compare Savings Accounts
Click here to compare Checking Accounts

 

SAVINGS

JUNIOR SAVERS

MONEY
MARKET

WEALTH
BUILDERS

CHRISTMAS
CLUB

Amount to Open

$25

$1

$25

$1,000

$5

Minimum to earn
Interest

$0

$0

$1,000 with
Tiered Interest

$1,000 with
Tiered Interest

$0

Higher interest rate if balance is over $10,000

No

No

Yes

Yes

No

Withdrawls made in person at bank

Unlimited

Unlimited

Unlimited

Unlimited**

Not allowed

Withdrawl limits (Automatic payments, Telephone transfers, Online Banking, Transfers, Telebank transfers, etc.)

6 per month

6 per month

6 per month

6 per month

Not allowed

Monthly Service Charge

$3 if below
$100 minimum

No

$15 if below
$1,000
minimum

$10 if below
$1,000
minimum

No

Also Available 

FREE:
Online
Banking,
Telebank,
ATM Card,
eStatements,
Mobile Banking

FREE:
Online Banking,
ATM Card,
Mobile Banking

FREE:
Online
Banking,
Bill Pay*,
Telebank,
eStatements,
Mobile Banking

FREE:
Online
Banking,
Bill Pay*,
Telebank,
eStatements,
Mobile Banking

FREE:
Online
Banking,
Telebank,
eStatements,
Mobile Banking

* $5 monthly inactivity charge on Bill Pay accounts
**All withdrawals subject to additional fee.
All accounts are subject to Terms and Conditions and application approval. Other restrictions and fees may apply.


Certificates of Deposit

Personal
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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. Our shortest maturity option is just six months and requires only $1,000!

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.

CDARS

IRA's - Individual Retirement Accounts

Personal |
Top

Planning for retirement can be like trying to solve a complicated puzzle. Fortunately, Dairy State Bank has all the right pieces to help secure your retirement. From Traditional and Roth IRAs to Education IRAs, we have the product that will fit your personal retirement plan needs.

In preparing for retirement, it’s important to have a plan, understand the tax advantages of IRAs and to research your options. Our Customer Service Representatives have the expertise you need to make decisions about the future. Trust them to assist you in finding the best solutions.

To find out more about saving for your retirement and the tax advantages of IRA's, call one of our Customer Service Representatives. They'll be happy to help you find the plan that works best for you.


Overdraft Protection
Personal | Top

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 $5.00 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 $25.00 (plus interest on amount borrowed) is a small price to pay for peace of mind!

*Subject to credit approval.


ATM Cards

Personal | Top

Access your savings and checking accounts conveniently from an ATM with a Dairy State Bank ATM card. Find a Dairy State Bank ATM.

  • Check account balances
  • Transfer funds
  • Get cash

To report a lost or stolen ATM 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


Debit Cards
Personal | Top

A Dairy State Bank debit card is for people “on the go” who appreciate 24-hour banking convenience. The debit card is quick and easy, providing an alternative payment method to checks when making purchases. Like a paper check, the transaction is deducted directly from your checking account. Replace checks and cash with the simplicity of a Dairy State Bank debit card and enhance your security and recordkeeping. Dairy State Bank does not charge you to use your debit card. Find a Dairy State Bank ATM.

Dairy State Bank offers two services to help you protect your debit card from fraud: the CardValet mobile app and Verified by Visa. Both are free and easy to use.

CardValet
This free mobile app helps protect your debit card from fraud, control spending and review balances and transactions anytime, anywhere.

  • 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.
    And real-time alerts keep you informed when your
    card is used or declined.
  • Budget Conscious—Overspending is easy. Now,
    sticking to your budget can be, too. CardValet allows you to set spending thresholds and specify merchant types. Want to spend $100 at the grocery store? CardValet empowers you to control your debit card spending in real-time. Limits are easily changed anytime, anywhere with your mobile device.
  • Parental Controls—Whether they’re at the local mall or away at college, CardValet helps you manage your kids’ spending. With convenient features like threshold limits, merchant and location categories, and on/off controls, you decide where, when and how your children use their debit cards.

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!

Download on the App Store Get it on Google Play

 

Verified by Visa
Verified by Visa helps prevent fraud by confirming your identity with added password verification when you use your debit card for online transactions at participating merchants. Enrollment and activation is quick and easy. Simply follow one of two methods:

  • Activate Verified by Visa while you shop online: You can enroll your debit card in the Verified by Visa program while shopping at a participating merchant. During the check-out process, you may be automatically prompted to activate your enrollment.
  • Activate Verified by Visa before shopping online: You can enroll your debit card before shopping - click here.

Once your debit card is enrolled, your card number will be recognized whenever you shop at a participating Verified by Visa online merchant. At check-out, you will be prompted to enter your password in the Verified by Visa window, your identity will be verified and the transaction will then be completed.

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
Personal | Top

Gift Cards
Who doesn't like to receive money? With a Gift Card, you are giving the perfect gift every time! The card is easy to purchase and can be used anywhere VISA is accepted.  Visit any Dairy State Bank location to purchase a gift card for any occasion.

Travel Cards
This card helps you manage your money - even while you're traveling! Register your card, check your balance, track spending and more at www.myprepaidbalance.com. Visit any Dairy State Bank location to purchase your travel card.

You will love the convenience this card has to offer including:

  • 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 (or big purchase)
  • More control - Spend only what you load
  • Pay bills online - Saves time and more secure than mail
  • Shop where debit cards are accepted
  • Get cash at ATMs
  • Text alerts available