Checking

As the best free checking account bank in Rapid City and Spearfish, our team at Black Hills Community Bank strives to offer safe, convenient local banking while providing you with the personal service you deserve.

Black Hills Community Bank offers five Personal Checking Accounts to suit your needs:

Community Cash

  • 2.53% APY on deposit balances up to $25,000, balance above $25,000 receives a 0.25% APY*
  • Free Checking – no monthly service feesbhcbrewards
  • No minimum deposit balance required to earn rewards
  • Free On-line banking and mobile app with Bill Pay
  • Free debit card
  • Unlimited check writing
  • If qualifications are met, five ATM reimbursements up to $19.99 are refunded

Qualifying for your Rewards is easy!

  • 15 debit card transactions
  • Internet banking enrollment
  • Enroll and receive E-statement
  • Log into internet banking or mobile banking at least once in a statement period
  • Just a low $100 minimum deposit is required to open your Community Cash Checking. If the above qualifications are not met, the interest rate is .05% APY.

Click here for account disclosure information


Community Cash Back

  • 4% Cash Back rewards up to max rewards of $10.00 in a statement period
  • Free checking – no monthly service feesbhcbrewards
  • If qualifications are met, five ATM reimbursements up to $19.99 are refunded
  • No minimum balance to earn rewards
  • Free On-line banking and mobile app with Bill Pay
  • Free debit card
  • Unlimited check writing

Qualifying for your Rewards is easy!

  • 10 debit card transactions for a minimum $10.00 each swipe)
  • Internet banking enrollment
  • Enroll and receive E-statement
  • Log into internet banking or mobile banking at least once in a statement period
  • Just a low $100 minimum deposit is required to open your Community Cash Back Checking

 Click here for account disclosure information 


Free CheckingPiggy bank

  • No Minimum Monthly Balance Requirement
  • No Monthly Service Charge
  • First Debit Card Free
  • Free 24 Hour Telephone Banking
  • Free Online Banking & Bill Pay
  • Free check images with E-statement
  • Free Mobile Banking
  • Over 55,000 Free ATMs

$100 minimum deposit to open account – Other Fees May Apply


Rushmore Checking

Benefits with Rushmore Checking at Black Hills Community Bank

  • Identity Theft Protection
  • ATM Fee Reimbursement**
  • Free Online Banking & Bill Pay
  • Free First Debit Card
  • Dime-A-Time Rewards
    • With Dime-A-Time there are no minimum balances required or additional qualifying criteria to earn rewards
    • Use your BHCB Debit card for purchases and receive a Dime-A-Time reward
    • No penalties for not using your debit card
  • Free Check Images
  • 50% off designer checks
  • Standard Personalized Checks Wallet Size
  • Free 24 Hour Telephone Banking
  • Free Mobile Banking
  • Over 65,000 Free ATMs

Monthly Maintenance Charge of *$5.00

$100 minimum deposit to open account – Other Fees May Apply

**ATM fees reimbursed at the time receipt is presented to bank representative


50 Plus Checking (Age 50 and Over)

Benefits with 50 Plus Checking at Black Hills Community Bank

  • Interest paid on $1000 average daily collected balance
  • Free Check Images
  • Free Online Banking & Bill Pay
  • Free 24 Hour Telephone Banking
  • Free First Debit Card with Dime-A-Time Rewards
  • Free Money Orders
  • Free Cashier Checks
  • Free Custom Checks
  • Free Mobile Banking
  • Over 65,000 Free ATMs
  • No Monthly service charge
  • ATM Reimbursement**

$100 minimum deposit to open account – Other Fees May Apply

**ATM fees reimbursed at the time receipt is presented to bank representative

  • Rick Brady
    Rick Brady
    Rapid City Retail Banking Manager
    Email
  • Dennis Wagner
    Dennis Wagner
    Rapid City Personal Banker
    Email
  • Brie Groves
    Brie Groves
    Rapid City Account Specialist
    Email
  • Jodi Ludens
    Jodi Ludens
    Spearfish Personal Banker
    Email