Bank of Dixon County
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BDC Accounts

 

We offer a wide range of checking, savings, seniors, investment, education, health and retirement accounts, PLUS our Free College or Tech Student Plan and our popular Responsible $aver Club.

If the answers you need are not shown below, please call Toll Free 1-800-576-8084 for more details.

BDC Families - We encourage families to use only one Bank. We hope you choose our Bank. By consolidating your banking you save time, add convenience and you become a more valued customer.

If you have multiple family accounts with us such as various checking and savings accounts, children's accounts, perhaps an IRA or Health Savings account and a consumer, auto or home loan . . . then obviously you are a valued BDC Family. We make a special effort to provide our time, personal service and extra benefits for our full service BDC Families .

If you and your family have made a commitment to banking with us, we in turn give our total commitment to helping your family.

The BDC Family philosophy is really simple. The more things we are doing together, the more valued we become to one another. The more we work together, the more we benefit mutually.

The Big Bank Myth

Even if you do not bank with us here at BDC, we encourage all families and small businesses to have all their banking at one smaller community bank. The bad experiences of many of our customers will quickly dispel the big bank myth that bigger is better.

You know the theory "it's easier to be a big fish in a small pond." Well, it is very true in banking. The Big Banks have thousands if not millions of customers. They have huge business and corporate clients and billions of dollars in deposits. Where does that leave you? Are the big banks really going to go out of their way for your special problem, your unique loan need or your family's important questions? At BDC the small customer is our only customer, so we have time for you!

We go out of our way to help our Valued BDC Families .

The BDC Nationwide Bank

Yes, it can be handy to have a nationwide bank. That's why we are growing. With today's technology BDC is a nationwide bank with VISA debit cards, credit cards, internet banking, direct deposit, automated electronic withdrawal and at 1-800-576-8084 you are connected to real people you know and trust.

BDC Regular Checking

  • NO Minimum Balance
  • FREE Unlimited VISA Check Card POS Use #
  • First 10 Checks per month FREE +
  • EASY Single Account Statements *
  • FREE 90-day Check Safekeeping Provided ^^
  • Duplicate Checks Available

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BDC Unlimited Checking

  • Unlimited Check Writing
  • Minimum Balance Requirement Only $500
  • Low $6.00 Base Fee if Balance falls below Minimum
  • FREE Unlimited VISA Check Card POS Use #
  • Easy Single Account Statements *
  • FREE 90-day Check Safekeeping Provided ^^
  • Duplicate Checks available

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60sPLUS Checking

  • NO Monthly Service charge
  • NO Minimum Balance
  • FREE Unlimited Check Writing
  • FREE Unlimited VISA Check Card POS Use #
  • FREE Pick up of Cancelled Checks or $3.00 a monthly for mailing
  • FREE 90-day Check Safekeeping provided^^
  • USE Direct Deposit and Receive FREE Deluxe Specialty Checks!

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Low Balance, Plus

Earn Interest Monthly

  • Minimum Balance $1,000
  • FREE Unlimited VISA Check Card POS Use #
  • First 10 Checks per Month FREE +
  • Low $6.00 Base Fee if your balance falls below Minimum~
  • Interest Forfeited for each day below Minimum
  • Easy Single Account statements VISA POS descriptions, Check numbers Listed *
  • FREE 90-Day check Safekeeping Provided ^^

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HIGH Balance, Plus

Earn Interest Monthly

  • Minimum Balance $10,000
  • NO Monthly Service Charge
  • Unlimited Check Writing
  • FREE Unlimited VISA Check Card POS and BDC ATM Use #
  • Low $6.00 Base Fee if Balance falls below Minimum~
  • EASY Single Account Statements VISA POS Descriptions, Check Numbers listed *
  • FREE 90-day Check Safekeeping Provided ^^

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Savings

Earn Interest Quarterly

  • NO Minimum Balance - Interest Paid Quarterly
  • Limited Use VISA Check Card Available
  • Only a $1.00 Service Activity Fee for each debit or withdrawal over 3 per month

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Cash Management, Plus

Earn Interest Monthly

  • Minimum Balance of $15,000
  • Transfer Protection for Business or Personal Accounts
  • Interest Bearing (Monthly, based on Daily Balance Method)
  • 5 FREE Transfers, wIthdrawals or Checks per month
  • $5.00 Activity Fee in excess of 5 transactions per month
  • Low $6.00 base fee if Balance falls below Minimum~ ^
  • Easy Single Account Statements, Check Numbers Listed *
  • FREE 90-day Check Safekeeping provided ^^

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College Plan

  • No Minimum Balance
  • No Monthly Service Charge
  • Unlimited Check Writing
  • Unlimited VISA Check Card POS Use and BDC ATM #
  • Easy Single Account Statements, Check Numbers Listed
  • FREE 90-day Check Safekeeping provided ^^
  • VISA Credit Card - Start establishing your Quality Credit Score with BDC.

* Credit Cards are subject to officer approval and may be based in part on past credit history.

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KIDS CLUB

  • No Minimum Deposit
  • No Minimum Balance
  • No Monthly Service Charge
  • Unlimited Check Writing
  • Easy Single Account Statements, Check Numbers Listed
  • Duplicate Checks Recommended

See our BDC Kids Page for Fun financial information and helpful, educational links.

# = Free unlimited VISA check card POS privileges require officer approval.

+ = Activity Fee of $3.00 if you write more checks than specified per month. No limit on VISA Check card use.

^^ = A photocopy of check held in safekeeping only $.50 - microfilm copy after 90 days $10.00

* = Only $2.00 if you pick up your statement with your cancelled checks. Mailed checks are $3.00


^ If your average daily balance falls below required minimum, the account pays interest at the rate appropriate for that balance.

~ If balance remains below required minimum to begin a new monthly statement period the penalty applies.

 

Deposit cut-off Time is 3:00 P.M. daily at all bank locations. Deposits made after these times, including Night Deposit drops or deposits made on Saturday, are part of the next business day activity.

Our Policy is to make funds from your cash and check deposits available to you on the first business day after the day we receive your deposit. Electronic direct deposits will be available on the day we receive the deposit. Internet transfers and Telebank transfers will also be available on the day we receive the transfer, if received by 3:00 P.M.; after 3:00 P.M. they will be considered part of the next business day activity. Once they are available, you can withdraw the funds in cash and we will use the funds to pay checks that you have written.

Please remember that even after we have made funds available to you, and you have withdrawn funds, you are still responsible for checks you deposit that are returned to us unpaid and for any other problems involving your deposit.

For further information regarding our Funds Availability policy, please contact us or stop in to get a copy of our disclosure, Funds Availability Policy - Your Ability to Withdraw Funds.

Additional information on all accounts is available at the Bank, or by mail. Contact us or Call or stop by and ask to see our Truth in Savings Disclosures.

 

OD Protection Plans

Call to see if you qualify for an automatic transfer plan. This plan would transfer from your savings account to cover any type of transaction that overdraws your account. Sufficent funds in your savings are required for this setup to work properly. There will still be fees for this type of plan, but the fees are generally less expensive than standard overdraft and NSF fees.

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Instant Cash

  • Minimum Transfer of $50
  • Loans can range from $500 to $5,000 (Talk with your Personal BDC Loan Officer)
  • Set up fee of $10.00
  • Subject to Credit Review and Officer Approval

Ask a loan officer for further information regarding the Instant Cash programs, including required repayment, billing error resolution notice, interest rates, fees, and monthly statements.

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Check Reorder

To quickly reorder your personalized checks direct from the printing company, please click on the company link here. The name of the company will show on your checks:

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Certificates of Deposit, IRA's and SEP

Please see our Investments page for details.

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Switch Kit

Many people talk about wanting to change banks but,
"I just don't have time to get it done," so the hassle stops them. Our personal Tellers and Bank Officers will help make the SWITCH to the benefits of BDC Banking simple.
We will handle all the difficult parts of changing your automatic banking, direct deposit or automatic debits and payments. We'll do the hard stuff for you.

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