Checking Products

We take great pride in offering professional services with a personal touch. We offer a variety of accounts:

  • Personal Checking

    • $25 minimum opening deposit required.

    • Unlimited check writing privileges.

    • No statement fees or per check fees.

  • NOW Account

  • Business Checking

    • $25 minimum opening deposit required.

    • Unlimited check writing privileges.

    • No statement fees or per check fees.

  • Health Savings Accounts (HSA)

Sample DNBD Personalized Check

Reduced-Price Checks

We offer checks for all of our accounts at a lower cost than our competitors.
Take a look at what our affiliate MainStreet Checks has to offer! Main Street Inc. Site (opens new window)
If you have already ordered checks from MainStreet Checks, through us, you can use the link below to order    more.
Order Checks Here (opens new window)
If not, simply contact any of our Customer Service Representatives to place an order.

ATM & Debit Cards

DNBD Bank Card


All of our checking accounts, including Health Savings Accounts, are eligible for an ATM or Debit Card. For our business customers, we offer a Business Debit Card. An ATM card can also be issued for any Statement Savings Account.

There is no fee for cash withdrawals or inquiries at our ATMs; $1 per transaction at foreign ATMs.

Savings Accounts

  • Insured Money Market Deposit Account

  • Statement Savings Account

  • Christmas Club

Other Services

  • External Transfers (View Instructions)

  • Automatic Transfers and Payments

  • Card Valet

  • Direct Deposit of Social Security and Other Pensions

  • Free Night Depository

  • Personal Money Orders

  • Safe Deposit Boxes (4 sizes)*
    Please Note: Not available at Hobart Branch

  • Telephone Banking

  • Wire Transfers

  • Automatic Clearing House (ACH) transfers

  • Bank-by-Mail

  • Coin Redemption

  • Redemption of EE and I Bonds

  • Notary Public Services

  • Rolled Coin

  • Visa / Mastercard merchant accounts


*Please Note: Contents of safe deposit boxes are not FDIC Insured

FDIC Notice

You can calculate your current FDIC Coverage by clicking this link (opens new window), which will take you to the FDIC Insurance Estimator web page.

Please Note: The above link will take you to a third-party website. We do not make any claims or guarantees about the content of their internet web pages or their individual privacy policies. Their website may provide less security than the Bank's website.

Certificates of Deposit and Individual Retirement Accounts

  • From 3 to 60 months, maturities are available at competitive rates.

  • $100 minimum deposit required.

  • No IRA Administration Fee.

  • Early withdrawal penalty may apply.

  • May reinvest interest or receive interest by check, or transfer to another account, or another financial institution.


Roth, Traditional, SEP, HSA, 5 Year Bump CDs and Education IRAs are offered at the same rates as our Certificates of Deposit. Plus, we offer a variable rate IRA to which you can make additional deposits.