Business Banking

For more than 100 years of banking, we have believed in local business. We strive to offer financial solutions that fit your business, whether you're just starting up, building a current business, or managing a commercial operation. With our attention to detail, professional knowledge, and ability to personalize banking, we will serve you with a commitment to excellence. At DSB, we put our communities and local businesses first, and we can't wait to show you the benefits of hometown banking!


"I have been amazed at the service DeMotte State Bank has provided to our family. I did not know community banks like this still existed, where the bankers and tellers get to know your name."

Business Checking

Business Cash Management Choices

DeMotte State Bank offers our customers the convenience and technology of big city banking with the personal feel of hometown banking. Our Cash Management options allow you to manage your money from the comfort of your home or office. We have four different Cash Management levels to choose from: Basic, Basic Plus, Premium, or Platinum. Please review the services included in each level and speak with a local Customer Care Representative to assist you in choosing the best solution for your business.

Business Checking

Debit/Credit Card Information

Business Checking Choices

At DSB, we value the dollar, whether it's your business's or ours! We offer two business checking account options: Free Business or Business PRO. As your business grows and fluctuates, we want to offer solutions that will make daily tasks more simple and efficient for you. Visit with one of our Customer Care Representatives to find the right checking account to fit your company!

"DeMotte State Bank has been a pleasure to work with. They have given 100% when it comes to working with us on our financial needs."


Free Business Checking

• Opening deposit requirement $100
• $1000 Minimum average balance*
• Free Business Debit Card
• Free ACH items
• Free 50 paper items/month**
• Free Basic Internet Banking
• Free E-Statement***
*$5.00 monthly service fee if average balance falls below $1,000
**$.25 per excess of of 50 items/month
***Paper statement—$4/month

Business PRO Checking

• Opening deposit requirement $100
• NO minimum average balance requirement
• $10.00 flat monthly service fee includes
    • All paper and ACH items
    • Business Debit Card
    • Basic PLUS Cash Management
    • E-Statment or Paper Statements
    • Notary Service

Additional Services

• Cash Management Services
• Optional Overdraft Services
• Visa Merchants Services provided by FIS
• Business Credit Card
Contact a Customer Care Representative for other requirements, rates, and fees that may apply.

DSB Loans

Click HERE to access the Loan Applications & Financial Statements needed to start your loan process.


  • Competitive operating and equipment loans
  • Purchase or re-finance land
  • Assist new & start-up farms and farmers through USDA programs

Small Business/Commercial

  • SBA 7(a) & 504 programs available
  • Experienced team of commercial relationship lenders
  • Comprehensive range of loan products
  • Flexible and convenient loan terms
  • Specialty operating lines of credit
Kent Bierma
Executive Vice President / Business Development Officer
Richard Brewer
Assistant Vice President / Hebron and Kouts Banking Center Manager
Guy Carlson
Executive Vice President / Lowell Banking Center Manager
Karine DeKock
Vice President / Mortgage Loan Officer
Anne-Cecile Egan
Vice President / Rensselaer Banking Center Manager
Bonnie Funk-Oxley
Vice President / Morocco Banking Center Manager
Jennifer Hammons
Senior Vice President / Mortgage Loan Officer
Josh Holloway
Assistant Vice President / Roselawn Banking Center Manager
Chris Kelleher
Senior Vice President / Commercial Loan Officer
Dene Mattocks
Vice President / Commercial Loan Officer
Carla Musial
Vice President / Knox Banking Center Manager
Steve Myers
Senior Vice President / Consumer Loan Officer
Scott Osborn
Vice President / Mortgage Loan Officer
Jeff Sawaska
Vice President / Cedar Lake Banking Center Manager
Morris Wiseman
Senior Vice President / Ag Loan Administrator / Assistant Loan Administrator
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