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Employee Services

We're here to help your small business help your staff by offering valuable employee benefits, from personal banking products to retirement plans.

Some of our most popular benefits include the DCB Bank at Work Program, Payroll Services, Health Savings Accounts, 401Ks and Insurance Services.

DCB Bank at Work Program

This is a convenient, economical benefit you can now offer. We have developed a package of banking services for your employees, including special offers and incentives. DCB representatives will meet with your employees at your location to discuss personal banking needs and recommend solutions.

Small Business Payroll Services

DCB has partnered with Powell-based Apex Payroll to offer comprehensive payroll services, with superior customer service and technology, for small, medium and enterprise businesses.

Health Savings Accounts (HSAs) for Small Businesses

A Health Savings Account is a tax-exempt account established to allow you to save for medical expenses. DCB provides this smart savings tool designed to help you afford health-related purchases, including some not covered under insurance plans. We can develop an HSA program to meet the unique needs of your business, in coordination with your high-deductible health plan.

With an HSA, just like a regular checking account, you can write checks or use a debit card to pay for your qualifying health costs. In conjunction with a high-deductible health plan, an HSA can provide tax savings while your account earns interest.

  • 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 +
  • Monthly Maintenance Fee: $2.50
  • Balance Required to Waive Fee:
    • $5,000.00 minimum daily balance in Savings Account
    • $5,000.00 minimum daily balance in Certificate of Deposit
  • Unlimited Transactions: Yes
  • Statement: Imaged or eStatement
  • Check Writing Ability: Prices vary with style and design
  • Additional Features With This Account:
    • No annual fee VISA check card
    • Account access with WebDCB


Help your employees save for retirement by matching their contributions. As an employer, you can enjoy the benefit of tax deduction, while offering your employees a flexible plan that fits their needs and investment goals. Contributions come out of your employees’ salaries before taxes and, along with your matching dollars, grow tax-deferred.

Insurance Services

Choosing insurance can be tricky, but we can help you determine the right insurance coverage, depending on your situation. There are many factors to consider, such as dependents, long-term financial obligations, mortgages, etc. Our insurance experts can help you make an informed decision, to help you prepare for life's uncertainties.