Personal Bankers

Savings Accounts Pick the account that is right for you.
	Regular	Insured Money Market	Best Deal
Minimum Balance	None	$1000	$25 per month minimum deposit
Monthly Service Fee	None	$5 or waived with minimum balance	None
Deposits	Unlimited	Unlimited	Monthly automatic transfer required until balance reaches $500
Withdrawals	Six transfers a month (unlimited withdrawals by mail, in person or at ATMs)	Six transfers a month including three by check (unlimited withdrawals by mail, in person or at ATMs)	Same as CD Early withdrawal penalty may apply
Interest	Compounded quarterly	Compounded monthly	Compounded quarterly Same interest as CDs
Statement Options	Free online statements	Free image statements Free online statements	Free online statements
Other Account Benefits	Free Internet Banking Free Telephone Banking	Free Internet Banking Free Bill Pay* Free Telephone Banking	Free Internet Banking Free Telephone Banking

* Subject to approval.

The Dakota Dream Savings Account is set up to help families invest in their futures. Every dollar you deposit to the account will be matched by a minimum of two dollars to help you financially plan for:

• Owning a home
• Starting a business
• Furthering your education

Who is Eligible?

• Must be at least 18 years old
• Must live in South Dakota
• Must earn less than $20,800 for a single-person. You can make an additional $7200 for each household member.

How Do I Get the Match Money?

• Deposit at least $25 into a Dakota Dream Savings Account each month of participation.
• Enroll in self-sufficiency case management and meet regularly with a self-sufficiency case manager to set and work toward personal and financial goals.
• Complete 10 hours of financial education.
• Complete 8 hours of specialized asset training based on your savings goal.

• Contact the appropriate Dakota Dream Savings Fund coordinator to apply or for more information.
  • For residents living in Lincoln, Minnehaha, Grant, Deuel, Codington, Hamlin, Clark, Kingsbury, Brookings, Miner, Lake, Moody, McCook or Turner Counties, you will need to contact Anna Higgason with Inter-Lakes Community Action Partnership at 1-800-833-8736 or by email at ahiggason@interlakescap.com
  • For Aurora, Bon Homme, Brule, Buffalo, Charles Mix, Clay, Davidson, Douglas, Gregory, Hanson, Hutchison, Jerauld, Jones, Lyman, Mellette, Sandborn, Todd, Tripp, Union and Yankton Counties, you can contact Kaylene Marts with Rural Offices of Community Services at 1-877-254-6110 or by email at kmarts@hcinet.net.
  • If you live in another county, please find your contact at http://www.dakotadreamsavingsfund.org. Just select your county, and it will give you the correct contact information.
• Open a savings account with us or another participating financial institution.
• Start your financial literacy training.
• Use your savings to fund your dream.

Funding is made possible by the Northwest Area South Dakota Fund, a partnership between the South Dakota Community Foundation and the Northwest Area Foundation, Citigroup Foundation, South Dakota Housing Development Authority, Bush Foundation and federal grants.

Product descriptions contained herein do not take the place of required disclosures under federal and state regulations. Please contact us for disclosures appropriate to these accounts.