Personal Deposit Account Options
More: Checking | Savings | CDs | IRAs | Overdraft Protection | Electronic Banking
Checking Accounts
Personal | Top
Choosing the account that's right for you makes managing your money easier.
Free Checking
Our basic account requires no minimum balance, offers unlimited check writing, and has no monthly service charge.
G2G Checking
This account, available to young adults ages 14-25,
is the perfect choice for a first time checking account.
Interest Checking
Earn interest on your money while maintaining a low minimum balance.
Platinum Checking
Tiered interest earns more on your money.
Rewards Checking
Over the age of 55? You've earned rewards! In addition to earning interest on your money, you get opportunities for travel and special events.
Health Savings Account
If you are covered under a high-deductible health plan, this tax-free HSA account can be used to pay for qualified medical expenses.
Compare Accounts
|
FREE
CHECKING |
G2G
CHECKING |
INTEREST
CHECKING |
PLATINUM
CHECKING |
REWARDS
CHECKING |
HEALTH
SAVINGS
ACCOUNT |
Amount to
Open |
$25 |
$25 |
$25 |
$25 |
$25 |
$50 |
Interest
Earned |
No |
No |
Yes |
Tiers at $0, $500,
$2,500, $10,000 |
Tiers at $0, $500,
$2,500, $10,000 |
Tiers at $500
& $5,000 |
Daily Balance
To Earn
Interest |
No |
No |
$500 |
$0 |
$0 |
$500 |
Monthly
Service
Charge |
No |
No |
$7 if below
$500 minimum |
$6 |
No |
No |
Images
Available |
No |
No |
Yes; $4/month |
Free with customer
option |
Free with customer
option |
No |
Savings Overdraft
Transfers |
Yes; $3 fee
per transfer |
Yes; free |
Yes; $3 fee
per transfer
|
Yes; free |
Yes; free |
No |
Free Basic
Checks |
No; prices &
styles vary |
Yes, first box
free |
No; prices &
styles vary |
Yes |
Yes |
No; prices &
styles vary |
And More |
FREE:
Online
Banking,
Bill Pay*,
Debit Card,
Telebank,
eStatements
OPTIONAL:
Photo Debit
Card |
FREE:
Online
Banking,
Bill Pay*,
Debit Card,
Telebank,
eStatements
OPTIONAL:
Photo Debit
Card |
FREE:
Online Banking,
Bill Pay*,
Debit Card,
Telebank,
eStatements
OPTIONAL:
Photo Debit
Card
PLUS:
Monthly Service
Charge waived
with Direct
Deposit |
FREE:
Online
Banking,
Bill Pay*,
Debit Card,
Telebank,
eStatements
OPTIONAL:
Photo Debit
Card |
FREE:
Online
Banking,
Bill Pay*,
Debit Card,
Telebank,
eStatements
OPTIONAL:
Photo Debit
Card
PLUS:
Travel
Opportunities,
Special Events |
FREE:
Online
Banking,
Bill Pay*,
Debit Card,
Telebank,
eStatements
|
* $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 | Top
Select an account that fits your savings goals.
Savings
Earn interest on your money while saving for future expenses.
Jr 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 Accounts
|
SAVINGS |
JR 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 |
$2 if below
$100 minimum |
No |
$15 if below
$1,000
minimum |
$10 if below
$1,000
minimum |
No |
And More |
FREE:
Online
Banking,
Telebank,
ATM Card,
eStatements |
FREE:
Online Banking,
ATM Card |
FREE:
Online
Banking,
Bill Pay*,
Telebank,
eStatements |
FREE:
Online
Banking,
Bill Pay*,
Telebank,
eStatements |
FREE:
Online
Banking,
Telebank,
eStatements |
* $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 | Top
Dairy State Bank offers CD's 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. CD's 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.
IRA's Individual Retirement Accounts
Personal | Top
Saving for retirement can be a challenge in today's economy. That's why it's so important to plan now. Our full line of Individual Retirement Accounts include plans for the self-employed as well as Traditional, Roth, and Education IRA's.
There are many stages in planning for retirement. Whether you're looking to rollover a current IRA or other options to compliment your employer's retirement plan we can help you find the best solution.
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 $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.
