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Business & Municipal Deposits

We fully understand that each business operates uniquely and we have designed our business deposit accounts to accommodate different needs. Our business checking accounts can be combined with other deposit accounts to give business owners additional flexibility and control. Whatever account you choose, you can access your funds 24 hours a day, from work, home or on the road, with both our telephone and online banking services, including optional eStatements.

Small Business Checking

This account could be a money-saver for your business. You enjoy a package of FREE and convenient business banking services.

• Checking with no minimum balance and no monthly service charge
• 100 FREE transactions per month: includes deposits, deposited items, checks processed, ACH withdrawals and ATM & debit card transactions
• FREE Statement Savings
• FREE Online Banking
• FREE Online Bill Payment
• FREE Debit BusinessCard™ and enrollment in Dean Bank Rewards
• Available Line of Credit

Commercial Checking

This account offers businesses with higher balances and activity levels the opportunity to offset some or all of their charges with earnings credits every month. Service charges and fees are only assessed to your account if costs exceed your Earnings Credits for the statement period. The Earnings Credits rate changes periodically.

Current Business Fees

What are Earnings Credits?

Though federal banking regulations prohibit banks from paying interest on business checking accounts, you can minimize, and in many cases eliminate, the cost of your checking account by earning credits to offset your account costs. These Earnings Credits are calculated similarly to interest, but can only be applied against account transaction costs, never exceeding them. Earnings Credits are calculated based on your average monthly collected balance. If you would like to know the average collected balance needed to avoid charges on your account, please contact your local branch. If you would like to earn interest on balances over and above that threshold, we offer Business Savings and Business Money Market accounts at competitive rates.

Municipal & Non-Profit Checking Account

Municipalities and non profit businesses are eligible for a tiered interest bearing NOW checking account that is FREE if a $10,000 Minimum Daily Balance (MDB) is maintained. If MDB falls below $10,000 within the statement period, a $20 service charge and a 25¢ per check fee will apply. Enjoy unlimited check writing and electronic transfers by wire, ACH, or Online Banking.

Business Savings Account

Our Business Statement Savings Account offers a FREE, convenient and fully insured way to earn interest on your extra cash, and it gives you the flexibility of transferring monies between checking and savings. All your checking and savings activities are reported on one comprehensive monthly statement. eStatements are optional. Federal regulations do limit the number of transfers from the account. See our Deposit Disclosure for details.

Business Money Market Account

This account offers businesses who typically have higher balances, or are looking for self-managed higher rate accounts, a solid investment option. Put some or all of your surplus cash to work and receive higher returns. Limited check writing is available on this account. In addition, you may make unlimited withdrawals from your account through over the counter withdrawals. Please see our Deposit Disclosure for details.

Certificates of Deposit

Invest smartly with a CD that guarantees both principal and interest and provides peace of mind, knowing all your deposits are insured in full. Choose from a variety of standard terms or check out our CD Specials. Click here for current rates and terms.

All Deposits Insured in Full

At Dean Bank every deposit is insured in full. The FDIC insures each depositor for at least $250,000. The Share Insurance Fund (SIF) of The Co-operative Central Bank insures all deposits in excess of this amount.

Note: Dean Bank is participating in the FDIC's Transaction Account Guarantee Program. Under that program, through June 30, 2010, all noninterest-bearing transaction accounts are fully guaranteed by the FDIC for the entire amount in the account. Coverage under the Transaction Account Guarantee Program is in addition to and separate from the coverage available under FDIC's general deposit insurance rules. 

Contact our Business Development Officer

If you have questions or want to speak to someone about deposit related services for your business, email Judy Alfred at jalfred@deanbank.com or call her at 508-528-0088.

Tell us…What do you see? For more information on any of our products and services, to provide us with your comments or feedback, or simply to tell us about your own dreams and visions so that we can help you reach them, please use our Contact Us form, or call any of our offices.