Bank of Dixon County
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Telebank 24/7

Quick * Convenient * Simple * Secure
402-755-2225
| Toll Free 1-866-576-8084


From any phone our system responds to both Voice and Touch Tone commands 24
hours a day, seven days a week. The automated information is updated twice each week
day at mid-morning and late afternoon.

How popular is our TeleBank system? We received more than 31,000 calls last year at all hours of the day and night. That’s more than eighty phone calls every day. And best of all, it’s totally FREE.


Fist time users will create their own secure password by providing secure personal information to gain access. You will be given a list of Prompts or Options.
Wait for the beep before response. The Options are:

1. Checking
Current or Available Balance History of Withdrawal and Deposits

2. Savings
Look up by check # or Amount Receive a Statement Fax Transfer Funds

3. CDs
Principal Balance
Maturity Date
Date/Amount of Last Interest Payment
Date/Amount of Next Interest Payment
Interest Information

4. IRAs
Current or Available Balance
History of Withdrawal and Deposits
Lookup by check # or Amount
Receive a Statement Fax
Transfer Funds

5. Loans
Current Balance
Maturity Date
Date/Amount of Last Interest Payment
Date/Amount of Next Interest Payment
Interest Information

Simply call our Automated Telephone Banking system from any phone day or night to handle your BDC banking. You can quickly and easily do any of the following transactions using your own selected password:

Transfer Funds Ask about Deposits
Leave a Voice Message Look up checks by Amount
Make Loan Payments Look up checks by No.
Check Loan Balances See if a check is Paid
Get Information about Your Loan See Account Interest Paid
Apply for a New Loan Check Account Balances

Voice or Touch Tone Telephone Access Banking *

It's quick and simple. After a brief introduction you will be given the following options. You will then be prompted through each information option. You will need your account, CD or loan numbers and your secure password.

Checking Savings
CDs Loans
Product Spotlight Apply for a Loan
Transfer to Bank Customer Service

Having Problems: During Bank Hours, if you are having difficulty or need other information, you can have our Automated System transfer you to a Bank Customer Service person who will be happy to help you. After bank hours, you may leave a message, and we will return your call the next business day.

Secure Passwords: The first time you use our Automated Telephone Banking system you will be prompted to establish your own secure password. Safely record your password and use it each time you call. No one else can access your information.

Lost Password: We do not know your password, it is you alone. If you forget your secure password, please call us. We will re-set our automated system. You can then call the system to establish a new secure password.

Learn the easy convenience of Telephone Banking
402-755-2225 Toll Free: 1-866-576-8084

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Business Services

The bank offers a wide range of business services, and more importantly, the personal assistance to help your business succeed. We have listed a few of our business services below, but the best way to learn more is call or come talk with us.

We can provide you with a list of business customer references. The best way for your business to learn how we can help you is to talk with our customers who know.

Multiple Account Options All Types of Business Lending
Electronic Deposit Business Real Estate Loans
Debit/Credit Card Processing Business Planning
Account Analysis Cash Flow Planning
Automated Clearing New Business Start-ups
Federal Tax Depository A Home Business
Debit-Credit Processing Business Budgeting
Electronic Collections Professional Support Services
After Hours Support International Business
Wire Transfers Credit Cards

With today’s electronic services, BDC can be your bank no matter where it is located. We have one simple promise- no bank will work harder in more ways to help your business succeed.

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Business Support

BDC helps you bring a team of professionals together to help you achieve financial success. No matter what the personal, family, business or farm need you may have, we will work to help you find the support services your need.

We have developed a wide range of professional people to assist us over the years, and we will bring them all together to help you as well.

BDC Insurance

  • Scott A. Heaton, Agent 402-755-2221 Lori Heaton, Agent

There is no direct owner relationship between the Bank and BDC Insurance, however, we believe by working together the services can prove beneficial to our customers. Please see the required Insurance Disclosure at the bottom of this insurance section.

Home – Auto – Business - Farm – Crop – Health – Life – Disability
Cycles – Boats – Motor Homes – Construction

Insurance products can be complicated and policies difficult to understand. Everyone has a number of different insurance needs, and often customers have many questions we can assist with. Managing risk is an important part of our business . . . and it’s important to your financial success.
BDC Diversified Financial Management Group, Inc. and the affiliated BDC Insurance provide an important role for our BDC Team. We work together to help you in these important ways:

  • Understand the Types of Insurance you may Need
  • Assist with Coverage to protect Loans and other Assets
  • Select Coverage Options which compare Coverage vs. Cost
  • Review your existing Insurance policies to Assist you
  • Compare Policy Costs with other Insurance Companies
  • Help you Understand the complexities of some Types of Insurance
  • Review Health, Life and Disability Insurance Needs
  • Children’s Life Insurance and College Savings Insurance Plans

Evening Appointments
We know you are busy, and evenings or weekends are the only time to meet. Just give us a call to set an appointment that suits your schedule.

IMPORTANT INSURANCE DISCLOSURE
Please be aware that Insurance Products and Annuities are:
Not a deposit or other obligation of, or guaranteed by, the bank or any affiliate of the bank;
Not insured by the Federal Deposit Insurance Corporation (FDIC) or any other agency of
the United States, the bank, or any affiliate of the bank;
and, may involve investment risk, including the possible loss of value.

Financial, Estate and Retirement Planning
Many families and businesses have a need for assistance from a Certified Financial Planner, a professional dealing solely with such things as retirement, tax or estate planning. Your BDC Team works directly with a Certified Financial Planner with American Express Financial Advisers to help you achieve financial success.

Tax Planning
These areas are often essential to achieving financial success. Your BDC Team has a wealth of experience in each of these areas. We regularly assist our customers with:

  • Discussing your Individual Needs and Circumstances
  • Offering Guidance and Advice in these Critical Areas
  • Directing you when Necessary to BDC Partner Professionals

New Business Help
If you are considering starting a new business or buying an existing business, BDC can help in all areas of planning, projections and financing. Our officers have extensive experience in business development, start-up and purchase financing.

Here are just a few of the ways we can assist you:

Business Plans and Projections Loans and SBA Programs
Legal, Tax and Accounting Nebraska State laws and requirements
Construction Business Sales and Purchases
Business Accounts Insurance, Health and Retirement

 

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ATM Locations

Cook's Country Store - Hwy. 12 Ponca 6:00 A.M. to 10:00 P.M.
Jackson Express - Hwy. 20 Jackson 6:00 A.M. to 10:00 P.M.

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Safe Deposit Box

Each BDC bank location in Ponca, Newcastle , and Jackson offer secure, low cost Safety Deposit Boxes of various sizes. Safe deposit boxes are great for the safe keeping of securities, contracts, wills and other valuable documents and property. Automated annual payment is offered for convenience.

Safe deposit boxes and their contents are NOT insured by the FDIC.

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Direct Deposit

BDC offers all electronic bank services including Direct Deposit of your Payroll check, Social Security, military and tax refunds . 

Benefits of Direct Deposit include:

- There are no checks to be lost or stolen.

- The deposit has reached your account the same day checks are issued!

- No waiting in long teller lines.

- Direct Deposit is just another way you can bank with BDC anywhere!

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Online Bill Pay

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Frequently Asked Questions

WEB BILL PAY
Q: What is CheckFree Electronic Billing and Payment Services?

A: CheckFree Electronic Billing and Payment Services lets you schedule and make payments as well as receive and pay bills online through CheckFree Electronic Billing and Payment Service.

  • You can pay anyone, anytime, anywhere in the United States, from your mortgage lender to your newspaper carrier.
  • You can also set up repeating payments, such as car payment or rent.
  • You can schedule single payments up to a year in advance.
    The only payments you cannot make through your bill payment service are court-ordered payments and state and federal tax payments.

Q: How does CheckFree Electronic Billing and Payment Service work?
A: There are two basic steps involved in using CheckFree Electronic Billing and Payment Service to make online payments:

1: Set up your payees.
2. Schedule payments.

When you first begin using the service, set up your payee list by adding the payees to whom you want to make payments. Some payees can also send electronic bills (e-bills). You only need to add each payee once. All of your payees are also listed on the Quick Pay page, where you can quickly schedule payments.
When you make a payment, you specify the date that you want the payee to receive the payment. We recommend that you schedule your payment date four business days before the actual bill due date to allow time for electronic processing or for mailing if a paper check is sent. CheckFree Electronic Billing and Payment Service determines whether a payment is sent electronically or by check, based on whether the payee accepts electronic payments and other guidelines.

After a payment is scheduled, it appears as Scheduled in Payment History. After the payment is processed, the status changes to Processed. The payee receives your payment on the payment date you specified and credits your account. Sometimes, however, the payee may take a few days to apply the payment to your account.

Q: How secure is my bill payment and personal information?
A: CheckFree Electronic Billing and Payment Service uses several methods to ensure that your information is secure.

  • User Name and Password: Your user name and password are unique identifiers that only you know. As long as you don't share your user name and password with anyone, no one can sign in to CheckFree Electronic Billing and Payment Service as you.
  • SSL: CheckFree Electronic Billing and Payment Service uses SSL (secure sockets layer) which ensures that your connection and information are secure from outside inspection.
  • Encryption: CheckFree Electronic Billing and Payment Service uses 40-bit or 128-bit encryption (whichever your browser supports) to make your information unreadable as it passes over the Internet.
  • Automatic Sign Out: In addition, CheckFree Electronic Billing and Payment Service automatically signs you out of a session if you are inactive longer than ten minutes. It is best if you sign out immediately after you are finished scheduling and making payments.

Q: I have questions about how to use one of the CheckFree Electronic Billing and Payment Service's features.
A: CheckFree Electronic Billing and Payment Service has several ways that assist you in using its features:

  • If you are a first-time user, on the Home page, click Quick Start to help you get started using CheckFree Electronic Billing and Payment Service.
  • This product contains help that is available from each page. Click on any page to open help for a specific topic. Also, you can click the Help tab to open the help Contents page.
  • If you have general questions, read through the list of frequently asked questions (FAQs).

PAYEE FAQs
Q: Who can I pay using my bill payment service?
A: You can pay anyone in the United States that you would normally pay by check or automated debit, with the following exceptions:

  • State and federal tax payments
  • Court-ordered payments

Q: What if a payee I want to make a payment to isn't on the list of payees I have to choose from?
A: You can make payments to anyone you would normally write a check to. If you do not find the payee in the provided list, you can still add the payee by entering payee information such as your payee account number and the payee's address and phone number. Once you enter the payee information, you can make payments to the payee at anytime.

E-BILL FAQs
Q: What is an e-bill?
A: An e-bill (electronic bill) is an electronic version of a paper bill that you can view online through CheckFree Electronic Billing and Payment Service.


Q: How does electronic billing work with CheckFree Electronic Billing and Payment Service?
A: CheckFree Electronic Billing and Payment Service lets you make payments, and pay bills online through CheckFree Electronic Billing and Payment Service. You can make payments to anyone, anytime, anywhere in the United States, from your mortgage lender to your newspaper carrier. The only payments you cannot make through your bill payment service are court-ordered payments and state and federal tax payments.
Electronic billing lets you receive electronic bills (e-bills) online through CheckFree Electronic Billing and Payment Service. Some payees are able to send e-bills to their customers. If you add a payee that is e-bill-capable, you have the opportunity to request e-bills from the payee.

Once your request has been authorized, you'll receive an e-bill from the payee within a month or so, depending on the payee's billing cycle. You can pay the e-bill directly, and you can also continue to make single payments to the payee whenever you need to.

AUTO-PAY FAQs
Q: What is Auto-Pay?
A: Auto-Pay is an optional feature available for some versions of this service. If Auto-Pay is available, you have the option to turn it on for most payees that send e-bills. Auto-Pay automatically pays e-bills by scheduling the payment date in time for the payee to receive the payment by the e-bill's due date. Auto-Pay pays the e-bill's minimum amount due. When you set up Auto-Pay, you can select to automatically pay the e-bill regardless of the payment amount, or you can select to set a limit on the amount automatically paid.

Q: How do I turn on Auto-Pay?
A: If Auto-Pay is available, you can set up Auto-Pay when you add a payee, or you can add it later by editing payee information from the Payee Setup - Payee List Page.

Q: Why was my e-bill paid late?
A: If a payee sends an e-bill late and the actual due date is before the earliest available payment date (remember CheckFree Electronic Billing and Payment Service needs a few days to process payments), Auto-Pay schedules the payment for the earliest possible payment date. Please contact your payee if an e-bill arrives late and you are charged a late fee.

PAYMENT FAQs
Q: Are my payments guaranteed?
A: With CheckFree Guarantee, you can be assured that your electronic payments are safe and reliable. When your payments are processed through CheckFree, you are protected in the unlikely event of unauthorized transactions or processing delays. 

Q: Can I make payments from more than one bank account?
A: Yes, you can make payments from more than one bank account. The account number you select when making a payment is the account your payments are withdrawn from.

Q: How far in advance of the due date should I schedule my payments?
A: Schedule your payments to be paid at least four business days before the actual payment due date. For example, if you have a bill due on the 15th of the month, schedule the payment date as the 11th of the month or earlier if the time period includes any weekends or holidays. The payment date is the day the payment is scheduled to be paid. Scheduling pay dates sufficiently in advance of the due date on the bill allows enough time for the payee to receive the payment and credit it to your account. Whether the payment is electronic or sent by mail, payees may not always credit your account on the same day that they receive the payment. Allow for extra time in this situation so the payment is not considered late, or contact the payee.

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Electronic Debits

Automation is quick and simple at BDC. Our computers can handle any internal transaction for you monthly, weekly or whenever you need it. Overdraft protection from a saving account or a monthly transfer to your college student's account . . .
BDC automation can do it for you.

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Bank by Mail

Send deposits, payments, or transfer requests through the mail with our special deposit envelopes. Each grey envelope includes a deposit slip with a receipt to be mailed back to you along with a return envelope for your next mail-in deposit.

We provide in-house dual control safety, and your business is always processed and available the same day it is received.

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Email Banking

Some business transactions such as account transfers can be secure and easily handled through e-mail. But we remind you, do NOT show account numbers or any personal information in an e-mail. If we can verify the sender, and the request is secure, we will respond to let you know if your request can be met safely.

Because we know our customers, you can transfer from one account to another or ask us to make a loan payment for you without knowing your actual account numbers.

However, don't forget TeleBank where you can also handle the same transactions safely by secure telephone automation 24 hours a day.

 

Funeral Trusts

We offer Funeral Trust deposit agreements between you and a selected funeral home to provide you with the comfort and security of knowing your funeral costs have been covered today. You can rest easy knowing these expenses will not be a burden to your family in the future. Stop at any of our locations for more information, or talk with the funeral home of your choice about establishing a Funeral Trust with BDC.

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Wiring Funds

Wire transfers allow for the rapid electronic transfer of money between financial institutions. You can use a wire transfer to move your funds from one place to another without doing any of the "legwork" yourself. The funds are moved through the Federal Reserve System the same day.

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Foreign Currency

We have the ability to order foreign currency for you with only a few days notice. Plan ahead for your next foreign vacation, let BDC handle your advance currency needs or simply stop and ask for our guidance on foreign currency exchange including using your BDC Check/Debit - Credit Card - or a Travel Cash Card, see below, in foreign countries.

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Gift Cards

"Sometimes the Best Gifts come in small packages." These BDC Gift Cards are a fast and easy way to give that special person a gift. Gift Cards can be used anywhere VISA is accepted! For a stress-free holiday- remember our BDC Gift Cards. Gift Cards are not FDIC Insured. Please see accompanying disclosure when purchasing a Gift Card for additional information.

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Notary

For your convenience, notary services are available at all three BDC locations. Better yet, this service is FREE to all BDC customers.

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U.S. Savings Bonds

There's no time like today to begin saving to provide for a secure tomorrow. U.S. Savings Bonds are easy to purchase and are backed by the full faith and credit of the United States Government. Come in and we would be happy to assist you on how to order bonds, or cash qualifying bonds, or visit www.savingsbonds.gov. U.S. Savings Bonds are not FDIC Insured.

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Links

Kelley Blue Book
Identity Theft
FREE Annual Credit Reports

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