Serving Our
Customers

We strive to offer our customers the best personal financial options and excellent customer service, a sincere commitment to excellence. Although you have many financial institutions to choose from, DeMotte State Bank works hard to earn and keep your trust. We ensure that you have the best account options for you and your family. At DSB, we put our communities and families first, and we can’t wait to have an opportunity to show you the benefits of hometown banking!

Customer Tools

New DSB Products

We are constantly striving towards banking innovation and better customer service. Our newest products and services are listed below, exclusively for DSB Customers. Visit your Online Banking Account or Local Branch for more information.

  • External Transfers
  • Secondary Users
  • Mobile Deposit
  • Quickbooks/Quicken Services
  • Bill Pay

Applications

Know before you go! If you're applying for a loan or applying for a job, we want it to be a seamless process. Please use the following resources to smoothly transition into your next life chapter!


Financial Calculators

Home Buying Calculator
Help
Before Tax Income is the total of all your income before taxes. In this calculator you may use either your monthly income or your annual income. (Any number less than 10000 would be considered a monthly income figure.)

  • Down Payment is the amount of the down payment you have already saved.
  • Mortgage Rate is the interest rate the bank would charge you for your loan. In this calculator, you do not have to include the % sign.
  • Number of Years is the length of the mortgage you are considering.
  • "Calculate". When you press the Calculate button, the calculator will calculate the amount of housing you can afford.

Home Mortgage Calculator
Help
  • Purchase Price is the total price for the house you wish to buy.
  • Down Payment is the amount of the down payment you will pay directly to the seller.
  • Loan Amount is the Purchase Price minus the Down Payment. In this calculator, it is calculated automatically when you fill in a purchase price and a down payment.
  • Interest Rate is the interest rate the bank will charge you for your loan. In this calculator, you do not have to include the % sign.
  • ARM Cap. If you have an Adjustable Rate Mortgage, this is the lifetime cap for your interest rate (i.e. if you have a cap of 5%, then your interest rate cannot go above or below 5% of the original interest rate.) In this calculator, you do not have to include the % sign.
  • Number of Years is the number of years (usually 15 or 30) that your mortgage will last.
  • Calculate. When you press the Calculate! button, the calculator will calculate the monthly mortgage payment for your loan, as well as an amortization schedule (which shows you how much interest and principal you pay off each year.)

Home Refinance Calculator
Help
    You can use this calculator to help you assess the best terms to refinance your existing mortgage.
  • Estimated Current Value of Home is the estimate of the property value of the property that you want to refinance.
  • Current Mortgage Balance is the pay off amount of the mortgage you have presently.
  • Number of Payments Remaining is the number of payments you must make before your present mortgage is payed off.
  • Current Monthly Payments is the amount you are currently paying a month, on your mortgage.
  • Estimated Closing Costs is the amount you estimte your refinanced mortgage closing costs will be.
  • Amount of Cash Out is the amount of equity you'd like to recieve as cash, at closing
    (NOTE: this can significantly alter the final amount of the mortgage and your monthly payments.)
  • Loan-To-Value Ratio (LTV) is the ratio of your house value to the amount you are attempting to finance. (LTV = Loan Amount/Value of Home) If this ratio is too high you will not be able to take the Cash Out option, and may be required to acquire mortgage insurance.
  • Current Refinance Interest Rate is the current rate your financial institution is charging in interest for mortgage refinancing.
  • Term of Refinance (in years) is the number of years you would like to take to repay this mortgage loan.

Loan Calculator
Help
  • Purchase Price is the total price for the purchase you are making.
  • Down Payment is the amount of the down payment you will pay directly to the seller.
  • Loan Amount is the Purchase Price minus the Down Payment. In this calculator, it is calculated automatically when you fill in a purchase price and a down payment.
  • Interest Rate is the interest rate the bank will charge you for your loan. In this calculator, you do not have to include the % sign.
  • Number of Months is the number of months your loan will be for.
  • Calculate. When you press the Calculate button, the calculator will calculate the monthly loan payment for your loan, as well as an amortization schedule (which shows you how much interest and principal you pay off each year.)

Retirement Calculator
Help
  • Purchase Price is the total price for the purchase you are making.
  • Down Payment is the amount of the down payment you will pay directly to the seller.
  • Loan Amount is the Purchase Price minus the Down Payment. In this calculator, it is calculated automatically when you fill in a purchase price and a down payment.
  • Interest Rate is the interest rate the bank will charge you for your loan. In this calculator, you do not have to include the % sign.
  • Number of Months is the number of months your loan will be for.
  • Calculate. When you press the Calculate button, the calculator will calculate the monthly loan payment for your loan, as well as an amortization schedule (which shows you how much interest and principal you pay off each year.)

PRE-RETIREMENT

POST-RETIREMENT


Savings Calculator
  • Purchase Price is the total price for the purchase you are making.
  • Down Payment is the amount of the down payment you will pay directly to the seller.
  • Loan Amount is the Purchase Price minus the Down Payment. In this calculator, it is calculated automatically when you fill in a purchase price and a down payment.
  • Interest Rate is the interest rate the bank will charge you for your loan. In this calculator, you do not have to include the % sign.
  • Number of Months is the number of months your loan will be for.
  • Calculate. When you press the Calculate button, the calculator will calculate the monthly loan payment for your loan, as well as an amortization schedule (which shows you how much interest and principal you pay off each year.)

Calculate monthly deposit to reach Savings Goal:

Months % Annually
Calculate value of monthly deposit

Calculate future value of deposit:

Months % Annually
Calculate value of monthly deposit

 

The reasons you'll love overdraft services

You made an honest mistake balancing your checkbook and now you're short on funds.
• A deposit you expected is delayed.
• Unforeseen expenses drained your account balance.
• You may avoid the embarrassment of a returned check.
• Should you inadvertently overdraw your account, feel more secure knowing
      the bank may allow transactions to process.

Overdraft Protection

Overdraft Protection is the perfect option for you if:
• You have multiple accounts with DSB.
• You carry a balance of $25.00+ in additional accounts.
At DSB we want you to trust us, when emergencies occur or even just an honest mistake! With Overdraft Protection, similar to a
      Sweep Account*, you can your available funds as needed to cover an overdrawn checking account.
Annual fee of $25.00, transfer fee of $7.50 per transaction
*Sweep Account - a bank account that automatically transfers amounts that exceed, or fall short of, a certain level into a higher interest-earning investment option at the close of
each business day. Commonly, the excess cash is swept into money market funds.

Overdraft Privilege

1. Your account is in good standing.
2. You would like the option of your overdrawn purchases covered by DSB to be paid back later. *
3. If you overdraw your account, you will be capable of paying up to $800 (personal checking) to $1,500 (business checking) within 45 days. **
This is an exclusive service for customers in good standing with DSB. It allows you the freedom to not worry if you have an emergency
or lost track of your budget! Please see the Overdraft Privilege Policy for complete details.
*Standard non-sufficent funds fees apply (currently $35.00 per item returned)
**You are obligated to pay the full amount of the Overdraft Privilege within 45 days while maintaining a positive balance for at least 24 hours. The
      non-sufficient fund charges incurred are your responsibility as well.

OPT-IN

OPT-IN for Additional Benefits of Overdraft Privilege
With DSB you can choose to have the reassurance that everyday ATM and debit card transactions will be covered. You may OPT-IN
      at anytime by contacting a Customer Care Representative or completing an online form at www.netdsb.com.
If you OPT-IN:
• Your debit card and ATM transactions will be treated just like a check, and processed at DSB's discretion.
• Transactions may still process if your account is overdrawn.
If you OPT-OUT:
• Your everyday Debit Card purchases and ATM transactions will be denied if you have insufficient funds.

Quick Tools

Experience Happy Banking with DSB's Quick Tools!

 
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