Personal Banking

FREE CHECKING

Dakota Heritage State Bank offers FREE checking
on personal and business accounts.

• No minimum balance to maintain
• FREE Advantage ATM/Debit Card available
• Monthly Statements with Check Images
• FREE Statement Binder
• FREE Internet Banking

ATM & VISA CHECK CARD¹

FREE with Dakota Heritage State Bank Checking Accounts

• Use at ATM machines for Cash
• Make purchases anywhere VISA debit cards are accepted
• Transactions deducted from your checking account
• Purchases and withdrawals appear on your monthly bank statement
• Accepted locally and worldwide

PASSBOOK SAVINGS

Our variable interest rate Passbook Savings account
Offers an opportunity to begin building wealth for the future.

• Interest is paid on the ledger balance
• Interest credited to the account semi-annually
• Four free withdrawals are allowed per month. A fifty-cent charge for each additional withdrawal up to a limit of six withdrawals per month.

NOW ACCOUNTS

• $1000.00 minimum balance, If average available balance drops below $1000.00 any day a fee of $5.00 per month is charged.
• Interest is calculated by the daily available balance method.
• Unlimited Transactions
• FREE Advantage ATM/Debit Card available
• Monthly Statements with Check Images
• FREE Statement Binder
• FREE Internet Banking

MONEY MARKET ACCOUNTS

• Minimum balance of $1000.00 is required. If average available balance drops below $1000.00 any day a fee of $5.00 per month is charged.
• Interest is calculated by the daily available balance method.
• FREE Statement Binder
• FREE Internet Banking

Withdrawals and Transfers per month limited :
The combined total of transactions you make during a statement cycle cannot in any event exceed 6..

CERTIFICATE OF DEPOSIT

Watch your money grow in one of our Certificate of Deposit (CD) accounts.

Terms range from 91 days to 60 months.

A minimum of $500.00 is required to open a CD account.

CURRENT CD RATES at Dakota Heritage State Bank

IRA’s

With an Individual Retirement Account, you can contribute annually and defer income taxes on the contribution and earnings until the funds are withdrawn from the account.*

ROTH Individual Retirement Accounts are also available. Annual contributions for ROTH IRA accounts are taxed prior to investment, so no tax is incurred upon withdrawal.

Call one of our representatives.
They can explain the nature of this account and help you determine if the plan is best for you! As always, we will make the process uncomplicated!

CURRENT IRA RATES at Dakota Heritage State Bank

*Substantial penalty for early withdrawal.

¹ Subject to Qualification

For more information on our
Personal Banking Services, email us at:
customerservice@dakotaheritage.com