Business Checking

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!

Free Business Checking


Opening deposit requirement $100

$1000 minimum average balance*

Free Business Debit Card

Free ACH items

Free 50 paper items per month**

Free Basic Internet Banking

Free E-Statement***


*$5.00 monthly service fee if average balance falls below $1,000
**$0.25 per excess of 50 items per month
***Paper Statement – $8 per 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-Statements or Paper Statements
      • Notary Service
      • Online Banking with FREE Bill Pay Services

Additional Services

  • Optional Overdraft Services
  • Merchant Services provided by Evolv
  • Business Credit Card
  • Positive Pay
  • RoundUp Savings

Contact us for other requirements, rates, and fees that may apply.

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 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 access your available funds as needed to cover an overdrawn checking account.

Annual fee of $25.00, transfer fee of $10.00 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 for additional benefits of Overdraft Protection to have the reassurance that everyday ATM and debit card transactions will be covered. You may OPT-IN at any time by contacting a bank representative.

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.

Debit Card Information

  • To temporarily turn off your debit card please log into your DSB Mobile Banking App and select the card you would like to turn off.
  • If your debit card is lost or stolen please call 1-877-226-2351. 

Positive Pay Processing

Positive Pay Processing is a tool used to help prevent fraudulent checks from posting against commercial accounts. By sharing key information with DSB about the legitimate checks your institution issues and authorized ACH debits, DSB and our Business Banking Customers can more fully control, monitor, and review out-going ACH and paper payments therefore detecting potential fraud. Contact your DSB branch for more information regarding this service.

If you are a current Positive Pay Business Customer click here to log in.

Your Lending Experts

Our community-based lenders offer competitive interest rates and a variety of terms. We have the hometown bank advantage of personalized lending. As expert lenders, we are dedicated to providing you with tailored solutions to fit your business banking needs.

It’s time to work with a lender who is committed to utilizing their extensive lending knowledge while delivering exceptional customer service.

Credit Card Information

Issued by Bankers Bank


  • To apply for credit card with DeMotte State Bank please click here* 
  • If your credit card is lost or stolen please call 1-800-423-7503

*Must be a DeMotte State Bank customer to apply. Credit approval needed. Fees may apply. 

RoundUp Savings

Save every time you spend with RoundUp Savings. This checking account feature allows you to effortlessly save on each transaction you make by rounding up the change to the nearest dollar and depositing the difference into your linked DSB savings account.

Your banking needs in one place.

DSB Mobile Banking App

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