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Checking Accounts. Your Way.

At DCB, we have simplified banking, while still providing you with exceptional customer service. We offer a variety of accounts and services to meet all of your financial needs.

  DCB Free DCB Plus DCB Investors
Money Market
Description An economical account for customers with limited activities A traditional account that provides unlimited transactions and a competitive rate of interest Our money market account that provides liquidity and a competitive rate of interest
Interest Bearing No Yes Yes
Minimum To Open $25.00 $25.00 $25.00
Minimum Balance To Earn Interest None $1000.00 Tier I ($0.01 - $24,999.99)
Tier II ($25,000.00 +)
Monthly Maintenance Fee None $7.00 $10.00
Balance Required To Waive Monthly Fee N/A $2,500 Average Collected Balance Required OR $10,000 Total Deposit Relationship or account holder is age 65 or older $7,500 Average Collected Balance Required OR $30,000 Total Deposit Relationship or account holder is age 65 or older
Unlimited Transactions Yes Yes No
Excess Transaction Fee None None $10.00 per Withdrawal
Over 6
$0.25 per Deposited Item
Over 25
Additional Features
Free Online Statements
Unlimited Bill Pay
Free Mobile Banking
First Mini Pack of Checks Free
Free Debit Cards
Free ATM Access*
Free Webdcb Access
Free Notary Service
Overdraft Protection Available**
Free Financial Review w/ DCB Financial Services


Debit Cards
Your check card is your key to convenience. Access the funds in your checking account anytime or anywhere. This debit card, which is a VISA card, can be used at merchants worldwide for purchases and it can be used at ATMs for cash. Your VISA check card is an easy, secure and safe way to bank with DCB.

Overdraft Protection
Protect yourself from the embarrassment and costs associated with overdrawing your checking account with Overdraft Protection, a pre-approved line of credit for your checking account. When you write a check for more than your checking account balance, we automatically deposit enough to cover the overdraft up to your pre-approved limit of Overdraft Protection. The amount deposited can be paid in full or extended by paying the minimum amount each month. Overdraft Protection activity will be detailed on your monthly statement and you can request that your payment be automatically deducted from your checking account. Personal Overdraft Protection Applications are available here (disclosure) or at all branch locations.

Overdraft transfer allow for funds to be moved from a linked checking or savings account to cover any checking account overdraft. Transfers are made in increments of $100 and carry a fee of $10 per transfer. Sign up for this service at all branch locations or through the Customer Care Center at 740-657-7200.

*ATM access is free only when using an ATM within the MoneyPass network.

**Subject to application and/or credit approval.