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Checking & Savings

At Delaware County Bank, we believe in small businesses and we understand that they are at the heart of what makes our community tick. We also realize how hard it can be to run a small business. That’s why we are committed to helping you grow.

We provide smart, small business checking and savings options that will be a real benefit to you as you manage cash flow. Our small business checking accounts are easy to manage, accessible online, and have plenty of useful features, including online bill pay, free debit card, remote deposit and free mobile banking. We also understand that you need to focus on running your small business, not on your banking. That’s why we offer a suite of solutions.

At DCB, we offer your small business the kinds of features other banks reserve for larger companies.
 

Checking Accounts

  Free Value Premier Analysis Non-Profit Plus Non-Profit
Free Debit Card
Free Access to Online Banking
Free Online Bill Pay
Free Mobile Banking1
Optional Overdraft Protection2
Free Online Statements or e-Itemized Statements
Online Wire Origination
Remote Deposit Capture Available First 3 months FREE First 3 months FREE Available First 3 monthsFREE First 3 monthsFREE
Interest Bearing          
Free Monthly Transactions 100 350 500 None 500 200
Monthly Maintenance Free $153 $253 $10 $253 Free
Minimum Balance To Avoid Monthly Maintenance Fee N/A $5,000 minimum or $20,000 total deposit relationship $10,000 minimum or $50,000 total deposit relationship Earned Credit $5,000 minimum or $35,000 total deposit relationship N/A
Minimum Opening Deposit $25 $25 $25 $25 $25 $25
  1. Your mobile carrier's text messaging and web access charges may apply
  2. Credit application and approval required
  3. Waived when requirements are met
     
 

Business Prime Time Money Market Account

Account Availability: All Businesses

Minimum Opening Deposit: $25.00

Interest Bearing: Variable interest, compounded and credited monthly on entire collected balance
 
Minimum Balance To Earn Interest:
Tier I $0.01 - $24,999.99
Tier II $25,000.00 - $49,999.99
Tier III $50,000.00 - $99,999.99
Tier IV $100,000 +

View our current rates.


Monthly Maintenance Fee: $10.00
 
Balance Required to Waive Monthly Fee:
  $10,000 average collected balance in the Prime Time Savings Plus account or
  $40,000 average collected balance in combined savings accounts or
  $40,000 average collected balance in a Certificate of Deposit
 
Transactions Included in Monthly Maintenance Fee:
  6 preauthorized transfers
  25 Deposited Items
 
Excess Transaction Fees1:
  $15.00 per withdrawal over 6
  $0.35 per deposited item over 25

Statement: Imaged or Online Statement

Check Writing Ability: Yes
 
Free With This Account:
  Account access with WebDCB
  Free ATM card
 
 
Business Overdraft Protection

Get the added peace of mind for those unexpected expenses with Business Overdraft Protection, a pre-approved line of credit for your business checking account.
 
If you overdraw, we automatically deposit the amount necessary to cover the overdraft up to your pre-approved limit of Overdraft Protection.
 
The amount deposited can be paid in full, or can be extended by paying the minimum amount monthly.
 
Overdraft Protection activity will be detailed on your monthly billing statement, and your payment can be automatically deducted from your checking account.

Truth in Lending Disclosure
 
Annual Percentage Rate 18% Fixed
Grace Period for Repayment of Balances None/Finance charge begins on date Overdraft Protection is activated.
Method for Computing the Balance Average daily balance from date of posting.
Monthly Fees $5.00 per month debited from the checking account.
Minimum Finance Charges $1.00
Fees for Paying Late $30.00 per month
Payment Information The greater of 5% of the unpaid balance or a minimum payment of $25.00. If the balance is less than $25.00, the full balance is owed.
 

Savings Accounts

 

Business Statement Savings Plus


Account Availability: All Businesses

Minimum Opening Deposit: $25.00

Interest Bearing: Variable interest, compounded and credited monthly on entire collected balance
 
Minimum Balance To Earn Interest:
  Tier I $0.01 - $1,499.99
  Tier II $1,500.00 - $4,999.99
  Tier III $5,000.00 +

View our current rates.


Monthly Maintenance Fee: $4.00

Balance Required to Waive Monthly Fee: $300 average collected balance in Statement Savings Account
 
Transactions Included in Monthly Maintenance Fee:
  6 withdrawals per statement cycle
 
Excess Transaction Fees1:
  $2.00 per withdrawal over 6

Statement: Imaged or online Statement

Check Writing Ability: No
 
Free With This Account:
  Account access with WebDCB
  Free ATM card
  
 

Business Platinum Savings Plus


Account Availability: All Businesses

Minimum Opening Deposit: $25.00

Interest Bearing: Variable interest, compounded and credited monthly on entire collected balance
 
Minimum Balance To Earn Interest:
  Tier I $0.01 - $4,999.99
  Tier II $5,000.00 - $9,999.99
  Tier III $10,000.00 - $24,999.99
  Tier IV $25,000 +

View our current rates.


Monthly Maintenance Fee: $7.50
 
Balance Required to Waive Monthly Fee:
  $5,000 average collected balance in the Platinum Savings Plus account or
  $30,000 average collected balance in combined savings accounts or
  $30,000 average collected balance in a Certificate of Deposit
 
Transactions Included in Monthly Maintenance Fee:
  6 preauthorized transfers
  25 Deposited Items
 
Excess Transaction Fees1:
  $15.00 per withdrawal over 6
  $0.35 per deposited item over 25

Statement: Imaged or Online Statement

Check Writing Ability: Yes
 
Free With This Account:
  Account access with WebDCB
  Free ATM card

 
  1. These fees are not included in the Service Fee Waiver option