Agriculture Banking

For over 100 years, area farmers have relied on us for their Ag loans. No matter what size of operation you have, when it comes to financing, Dakota Heritage State Bank is your dependable financial partner. Our loan officers understand agriculture and are committed to providing you with the financing and risk management options you expect and deserve. And since we are a locally owned community bank, all decisions are made right here. Our roots are in agriculture and the agricultural community. Your success and ours is determined by the quality of support we can provide your operation. We’d appreciate the chance to get to know you.

Some of our loan products include:

• Machinery/Equipment
• Real Estate
• Construction
• Livestock/Livestock facilities
• Operating expenses
• FSA Guaranteed Loans

Our Ag Loan Officers are here to support your operation and want to be a partner in your financial progress. Come check out Dakota Heritage State Bank. We’d like to help you grow!

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

• $900.00 minimum balance, If current balance drops below $900.00 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

Contact Dakota Heritage State Bank to determine account eligibility.

MONEY MARKET ACCOUNTS

• Minimum balance of $1000.00 is required. If current balance drops below $900.00 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 and no more than 3 of these 6 can be by check, draft, or similar order to third parties.

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 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
Agriculture Banking Services, email us at:
customerservice@dakotaheritage.com