Account Extras

Certificates of Deposit

Commit to saving for a designated length of time, and earn higher, fixed-rate interest. CD’s with competitive rates such as ours, allow your money to work for you, and by staggering CD maturities you can accommodate cash flow needs.

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.

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Overdraft Protection

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.

Ready Reserve Line of Credit*

Borrow a little – save big! ! Our Ready Reserve account will initiate a transfer of available funds from a line of credit to your checking account should the balance not be sufficient to cover a withdrawal. A little peace of mind for busy people. *Subject to credit approval.

Debit Cards

A Dairy State Bank VISA business debit card makes everyday purchases quick and easy without carrying the company checkbook. This card will allow your employees to pay for expenses on your behalf while out of town or just down the street. Funds are deducted directly from your business checking account. Our debit card includes both the business name and the employee’s name.

To report a lost or stolen debit card:

  • during regular business hours – 715-234-9181
  • after hours – 800-554-8969

To activate your card and select or change a PIN:

  • 800-567-3451