Q: Are there any fees or service charges associated with a regular
A: No. Dakota Prairie Bank's regular checking account does not have a
minimum monthly balance requirement to avoid charging service fees.
Q: How much coverage does FDIC insurance provide on my deposit accounts?
A: The basic insurance amount is $250,000 per depositor per insured
bank. If you or your family have deposits at one insured bank totaling more
than $250,000, you should know that different ownership categories of
accounts are separately insured. You may qualify for more than $250,000 in
coverage at one insured bank if you own deposit accounts in different
ownership categories. Common Bank Deposit Ownership categories include
single accounts, self-directed retirement accounts, joint accounts and
revocable trust accounts. The FDIC does not insure the money you invest in
stocks, bonds, mutual funds, life insurance policies or annuities. For more
information, go to www.fdic.gov/deposit/ or click on the link on our home
Q: Can I do most of my banking by computer?
A: Dakota Prairie Bank offers a variety of free online banking services.
Our Internet Banking service provides you with online access to your Dakota
Prairie Bank accounts 24 hours a day, 7 days a week. With our Internet
Banking you can view balances, transfer funds between accounts, view
transactions, view your statements, re-order checks and more.
Q: Can I get information about my account by phone?
A: Yes. By calling any of the branch locations during regular business
hours, Dakota Prairie Bank staff can review your account with you and answer
Q: Are wire transfers possible to and from my Dakota Prairie Bank
A: Yes. Funds can be transferred to and from Dakota Prairie Bank
accounts by wire transfer. If you need to wire funds please contact the bank
for wire instructions.
Q: How do I make a deposit to my account from a remote location?
A: You can do most of your banking by using direct deposit or ACH
(Automated Clearing House) transactions. Individuals may also mail their
deposits to Dakota Prairie Bank. We have available Remote Deposit Capture for a monthly fee
for our Cash Management customers. For more information please call us at anyone of our locations.
Q: Are there any fees to use my Advantage ATM/Checkcard?
A: When you use your Advantage ATM card for a cash withdrawal at an ATM
displaying the Advantage Privileged status logo, to make a point of sale
purchase, or to get cash back with a point of sale purchase, there is no
service fee associated with the transaction. If you use your card at an ATM
outside of the Advantage network, or at a non Privileged status Advantage
ATM you may be charged a service fee for the transaction. For a complete
list of Advantage ATMs go to
Q: How do I sign up for Internet Banking?
A: You may complete an application by stopping at any of our branch
locations, or complete an Internet Banking application on our Web site.
Click on the Internet Banking link and then click on personal enrollment.
Once your request is received, we will enable your accounts for access. You
will receive your login information (Temporary Password) in the mail within
a few days.
Q: Can I view a demonstration of Internet Banking before I sign up?
A: Yes. We have an Internet Banking Demo available for you to review.
Q: How frequently is my account updated?
A: Dakota Prairie Bank processes deposits and withdrawals to your
account throughout the day. The Current Day Activity will show you
transactions being presented on your account the current business day.
Q: Can I transfer funds through Internet Banking?
A: Transferring funds is one of the main features of Internet Banking.
You could be anywhere in the world and with access to the Internet, you can
access your account information and transfer funds. Funds can be transferred
between your Dakota Prairie Bank checking and savings accounts. You may
perform On Demand transfers as well as set up recurring transfers that will
automatically be processed based on the criteria you select.
Q: Can I make a payment to my Ready Reserve or loan?
A: Yes. Pay down your Ready Reserve or make your Dakota Prairie
Bank loan payment by completing a transfer from your Dakota Prairie Bank
checking or savings account to your ready reserve or loan account.
Q: Can I look at my transactions at any time?
A: This is the greatest benefit of Internet Banking. You may access your
account information 24 hours a day, 7 days a week from anywhere in the world
as long as you have Internet access.
Q: Is there a fee for Internet Banking?
A: Internet Banking is a service Dakota Prairie Bank provides to our
customers at no charge.