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# Black Hills Community Bank: Enjoy the difference!

## Sitemaps
[XML Sitemap](https://bhcbank.com/sitemap_index.xml): Includes all crawlable and indexable pages.

## Posts
- [A message to our customers about COVID-19](https://bhcbank.com/a-message-to-our-customers-about-covid-19/): We are here for you,
- [Gratitude and your finances](https://bhcbank.com/gratitude-and-your-finances/): November is well-known as the month of gratitude, which is why we thought we'd take the opportunity to discuss how living with gratitude can have a positive effect on your finances.
- [Going Green to Save Money](https://bhcbank.com/going-green-to-save-money/): Life can be busy and hectic most days. With the chaos comes
daily routines that can be harmful to the environment and leave us wishing
we had a little more savings at the end of the month. 'Going Green' to
save money and help reduce your carbon footprint on the environment can be
relatively simple by making a few changes to your daily routine as well as
making some changes to your home.  Save on Water Drinking from the tap and filling reusable bottles not only
helps the environment but can save you big bucks every month. Some households
report spending up to $250 a month on purchasing bottled water, that's a
decent amount of savings every month! Save on Laundry  Washing your clothes in cold water and line drying during the
summer can save $40+ a month for the average consumer. If you have an
older washer and dryer, it may be time to invest in a new set that is Energy
Star rated. The upfront investment will save you money over the long
haul.  Do an Energy Audit Every year, you should take the time to go through your house
and fix various items that could be wasting energy. These items include:  Add caulking cracksAdd insulation to atticsCheck for drafts around windows and doorsHave your AC/Heat pump/Furnace serviced Change air filters every monthUse sun blocking curtains to minimize heat Update Lighting Switching over to light-emitting diodes (LEDs) bulbs can
save up to 75% on your average annual energy bill. In general, the rule of
thumb is for every $1 spent on upgrades pays back $6. Although you can
use compact fluorescent bulbs (CFLs), they tend to burn out faster in
fixtures that are frequently turned on and off. Bonus tip: If you purchase an Energy
Star light
bulb, they come with a two-year warranty and last up to 6,000 hours. These items may seem small and insignificant when you are
putting them into place, but over time, you will notice an increase in your
monthly savings account and a reduction in your
energy cost throughout the year. 
- [Top 3 Tips for Saving Money in College](https://bhcbank.com/top-3-tips-for-saving-money-in-college/): Starting college can be an exciting time. Meeting new friends,
being on campus every day, and chasing after your dream career. Sometimes, the
last thing you want to think about as a college student is budgeting and saving
money. The task itself can be frightening for some, which is why we gathered
some of our favorite tips of the trade to show you just how easy saving can
be.  Entertainment It’s easy to get caught up in college life with parties, eating
out, and going out with friends. These fun times can put a hard dent in your
wallet, but there are a few ways you can cut corners and put some money
aside.  If your campus has a gym, take full advantage of it instead of purchasing a gym membership.Ask for student discounts everywhere you go. It may not sound like a lot, but over time, the discounts can add up.Watch TV online and cut the cable. Most TV shows today can be watched on Hulu or Netflix. You can easily save $40+ a month if you stick to streaming two of your favorite apps instead of paying for cable TV. College Expenses College expenses can range depending on your status as a student
and the college you choose to attend. Some costs, like student loans, cannot be
avoided in most cases, but there are a few tricks you can use to put some extra
cash in a savings account. Amazon Textbook Rental is a great way to save on the books you need every semester. Even better, if you’re a prime student (taking advantage of that student discount), you can receive most of your books within two days. Use your student discount on electronics like laptops and tablets. Places like Apple and Microsoft have on-going deals for students and offer financing options as well although we do encourage you to read the fine print and pay attention to those interest rates.  Finances Today, it’s easier than ever to use your smartphone or tablets
to track all of your spending and budgeting habits. From various budget apps to
our mobile app, you can see everything
that’s going in and coming out within a few simple clicks.  One of the biggest tips we can give you is to avoid overdraft fees. Always monitor your spending and have extra padding in your account just in case you spend too much. Those overdraft fees can add up over time, making it hard to keep money in savings. Apply for a low-interest rate credit card and use it for emergencies. Keep the expenses on it low while bearing in mind that you should pay off the balance every month. Carrying a high balance can affect your credit in the long term and hurt your chance at a low-interest rate on other loans you may need like a vehicle or your first home someday.Make your payments on time is the last finance tip we can offer you. Those late fees, just like overdraft fees, can take a hit on your checking and savings account. The best way to ensure all bills can be paid on time is to enroll in online bill pay. If you are afraid you can’t make the due dates while enrolled, speak with the company and ask to have them changed.  These are just a few ways you can save some money and work on
your finances while attending college. If you aren’t sure where to start or
need further financial advice, we are here to help. 
- [2017 Recap](https://bhcbank.com/2017-recap/): 2017 was a great year for us at BHCB!
- [Collecting New Coats for Local Schools to Celebrate Holiday Season](https://bhcbank.com/collecting-new-coats-local-schools-celebrate-holiday-season/): For us here at Black Hills Community Bank, the holidays mean more than just receiving. Giving back to the community is our mission every year but during Christmas time, this mission becomes even more vital to the local community.
- [Investing in Youth & Family Services 2017](https://bhcbank.com/investing-youth-family-services-2017/): https://youtu.be/Vv2BuSHYcB4
- [Diaper Drive 2017](https://bhcbank.com/diaper-drive-2017/): This year, we worked hard to present two local non-profit organizations with 51,963 diapers, exceeding this years’ goals by 16,963 diapers! This years’ total includes 46,665 diapers from our Rapid City location, and 5,298 from our Spearfish. During the entire month of June, both of our locations, our customers, and the community donated diapers to the Cornerstone Women and Children's Home in Rapid City and the Bella Pregnancy Resource Center in Spearfish.
- [Investing in Special Olympics 2017](https://bhcbank.com/black-hills-community-bank-investing-special-olympics-2017/): https://youtu.be/YI21RCoUrOo
- [Investing in Rural America Initiatives 2017](https://bhcbank.com/investing-rural-america-initiatives-2017/): Founded in 1986, Rural America Initiatives has been serving at-risk children in Rapid City for over 30 years. Rural America Initiatives (RAI) provides educational programming - Head Start and Early Head Start for children pre-natal to 5 years old and their families, as well as Ateyapi, a mentoring program for elementary and middle school students. Overall, RAI serves over 1,200 children through these programs.
- [Bank with BHCB and Forget ATM Fees](https://bhcbank.com/bank-bhcb-forget-atm-fees/): In a recent study completed by Bankrate.com, ATM fees have recently hit another record high while maintaining a steady increase over the last ten years. Today, using an out-of-network ATM can cost bank customers upwards of $4.57 per transaction. If you are currently using one of the nation’s “big banks” and using ATM services is a part of your daily life or you tend to travel a lot, then chances are you will be receiving quite a few ATM fees on your monthly statements.
- [The Benefits of Using a HELOC](https://bhcbank.com/benefits-using-heloc/): Just when you thought paying off your mortgage was hard enough, we’re here to tell you that taking out a “second” mortgage on your home could be beneficial. You might be wondering if you read that correctly. We promise that you did. As your friends at Black Hills Community Bank, we’re here to give you the 411 on HELOCs.
- [Opening a Spearfish Location](https://bhcbank.com/opening-spearfish-location/): When Black Hills Community Bank decided to open a location in Spearfish in 2014, president and CEO Jack Lynass set out to completely renovate the former Two Wheeler Dealer and Performance Physical Therapy building. Lynass’ heart was set on making the new 4,000-square-foot location aesthetically-appealing not only for clients, but for the community of Spearfish as a whole.

## Pages
- [Medical Professionals Home Loan Program](https://bhcbank.com/medical-professionals-home-loan-program/):  
- [](https://bhcbank.com/make-the-switch/): It’s never been easier to switch to banking that's more supportive and local. Our team is here to do the heavy lifting so the switch is painless and you can start enjoying the perks of a community bank that cares.
- [President’s Message](https://bhcbank.com/presidents-message/):  
- [Construction Loan Process](https://bhcbank.com/construction-loan-process/): Thank you for your interest in Black Hills Community Bank's construction loans. We are eager to help you achieve your goals in the most efficient way possible. Our construction loans consist of a construction loan phase and a permanent loan to replace the construction loan when the home is completed.
- [Legacy Custom Homes & Designs](https://bhcbank.com/legacy-custom-homes-designs/): Legacy Custom Homes & Designs offers renowned luxury custom home builders based in the Black Hills of South Dakota.
- [Privacy Policy](https://bhcbank.com/privacy-policy-2/):  
- [2026 Diaper Drive](https://bhcbank.com/diaperdrive/): Help us reach the goal of 60,000 diapers to benefit the Cornerstone Mission Women's and Children's Home and Bella Pregnancy Resource Center!
- [CD Special](https://bhcbank.com/cd-special/):  
- [Equifax Data Breach](https://bhcbank.com/equifax-data-breach/): Equifax, one of the three major credit bureaus, experienced a massive data breach. The hackers accessed people’s names, Social Security numbers, birth dates, addresses and, in some instances, driver’s license numbers. They also stole credit card numbers for about 209,000 people and dispute documents with personal identifying information for about 182,000 people.
- [Board of Directors](https://bhcbank.com/board-of-directors/)
- [Opt-Out](https://bhcbank.com/opt-out/): All consumer customers may exercise their privacy choice by filling out and submitting the form below or call us toll-free at (877) 343-2422.
- [Consumer Credit Cards](https://bhcbank.com/credit-cards-personal/): At Black Hills Community Bank, choosing the right credit card is easier than ever. Whether you want to pay down balances faster, maximize cash back, earn rewards or begin building your credit history, we have the ideal card for you! Discover the benefits of our credit cards and how they can enhance your purchasing power and financial management.
- [Business Credit Cards](https://bhcbank.com/credit-cards-business/): At Black Hills Community Bank, we believe in empowering businesses to thrive. Our business credit cards are designed to provide the financial flexibility and support your company needs to reach new heights. Whether you're a small startup, a growing enterprise, or an established business, we have the perfect solution for your unique financial requirements.
- [News from BHCB](https://bhcbank.com/news-from-bhcb/): Every hour of every day brings new developments related to the COVID-19 Pandemic.  Black Hills Community Bank remains committed to the health and safety of our employees, customers and the…
- [New Business Checking Setup](https://bhcbank.com/new-business-checking-setup/): Which account are you applying for?*Free Business CheckingBusiness CheckingBusiness Interest CheckingCommercial CheckingBusiness Account Purpose*PayrollOperatingEscrowReserveInvestmentEligibility* Yes By checking yes, you verify that you are a resident of the state of South Dakota. You understand that Black Hills Community Bank is not required to open accounts outside of their market area.Business Entity InformationType of Business*CorporationLLCLLPNon-profit OrganizationPartnershipSole ProprietorshipDBABusiness Legal Name*Business Description*Federal Tax ID/EIN*(For Sole Proprietor, enter owner's SSN) Date of Incorporation or Established MM slash DD slash YYYY Business Physical Address* Street Address Address Line 2 City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code Is your mailing address the same as your physical address? Yes Mailing Address Street Address Address Line 2 City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code Business Email Address* Enter Email Confirm Email Business Phone Number*Does your business do the following?Check Casher?* Yes No Issuer of traveler's checks, money order, or stored value cards?* Yes No ATM located on site?* Yes No Engage in Internet Gambling?* Yes No Important information about procedures for opening a new accountTo help the government fight the funding of terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify, and record information that identifies each person who opens an account. That means when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Account SignersHow many signers on the account?1234For more than 4, please contact us. Personal & Identity InformationName* First Middle Last Title/Position*Date of Birth* MM slash DD slash YYYY Must be 14 years of age or older to be able to submit this application.Social Security Number*(We obtain your social security number to help verify your identity.)Gender* Male Female IdentificationYour personal information is confidential and secure with Black Hills Community Bank. We do not share your personal information. Federal law requires that financial institutions obtain and verify personal information in order to open an account.Identification Type* Drivers License State Identification Military Identification Passport ID Number*Issue Date*Issuing State*DOD Number*Passport ID*Issuing Country*Expiration Date* MM slash DD slash YYYY Are you a citizen of the United States?* Yes No Address & Contact InformationAddress* Street Address Address Line 2 City South Dakota ZIP / Postal Code AfghanistanAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelgiumBelizeBeninBermudaBhutanBoliviaBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBrunei DarussalamBulgariaBurkina FasoBurundiCabo VerdeCambodiaCameroonCanadaCayman IslandsCentral African RepublicChadChileChinaChristmas IslandCocos IslandsColombiaComorosCongoCongo, Democratic Republic of theCook IslandsCosta RicaCroatiaCubaCuraçaoCyprusCzechiaCôte d'IvoireDenmarkDjiboutiDominicaDominican RepublicEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEswatiniEthiopiaFalkland IslandsFaroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuamGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard Island and McDonald IslandsHoly SeeHondurasHong KongHungaryIcelandIndiaIndonesiaIranIraqIrelandIsle of ManIsraelItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKorea, Democratic People's Republic ofKorea, Republic ofKuwaitKyrgyzstanLao People's Democratic RepublicLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMacaoMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMartiniqueMauritaniaMauritiusMayotteMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorth MacedoniaNorthern Mariana IslandsNorwayOmanPakistanPalauPalestine, State ofPanamaPapua New GuineaParaguayPeruPhilippinesPitcairnPolandPortugalPuerto RicoQatarRomaniaRussian FederationRwandaRéunionSaint BarthélemySaint Helena, Ascension and Tristan da CunhaSaint Kitts and NevisSaint LuciaSaint MartinSaint Pierre and MiquelonSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint MaartenSlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth Georgia and the South Sandwich IslandsSouth SudanSpainSri LankaSudanSurinameSvalbard and Jan MayenSwedenSwitzerlandSyria Arab RepublicTaiwanTajikistanTanzania, the United Republic ofThailandTimor-LesteTogoTokelauTongaTrinidad and TobagoTunisiaTurkmenistanTurks and Caicos IslandsTuvaluTürkiyeUS Minor Outlying IslandsUgandaUkraineUnited Arab EmiratesUnited KingdomUnited StatesUruguayUzbekistanVanuatuVenezuelaViet NamVirgin Islands, BritishVirgin Islands, U.S.Wallis and FutunaWestern SaharaYemenZambiaZimbabweÅland Islands Country Primary Phone Number*By entering your telephone number (landline or mobile), and clicking save or continue, you are giving us permission to contact you about this application.Alternate Phone NumberEmail Address* Enter Email Confirm Email Account Signer 2Personal & Identity InformationName* First Middle Last Title/Position*Date of Birth* MM slash DD slash YYYY Must be 14 years of age or older to be able to submit this application.Social Security Number*(We obtain your social security number to help verify your identity.)Gender* Male Female IdentificationYour personal information is confidential and secure with Black Hills Community Bank. We do not share your personal information. Federal law requires that financial institutions obtain and verify personal information in order to open an account.Identification Type* Drivers License State Identification Military Identification Passport ID Number*Issue Date*Issuing State*DOD Number*Passport ID*Issuing Country*Expiration Date* MM slash DD slash YYYY Are you a citizen of the United States?* Yes No Address & Contact InformationAddress* Street Address Address Line 2 City South Dakota ZIP / Postal Code AfghanistanAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelgiumBelizeBeninBermudaBhutanBoliviaBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBrunei DarussalamBulgariaBurkina FasoBurundiCabo VerdeCambodiaCameroonCanadaCayman IslandsCentral African RepublicChadChileChinaChristmas IslandCocos IslandsColombiaComorosCongoCongo, Democratic Republic of theCook IslandsCosta RicaCroatiaCubaCuraçaoCyprusCzechiaCôte d'IvoireDenmarkDjiboutiDominicaDominican RepublicEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEswatiniEthiopiaFalkland IslandsFaroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuamGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard Island and McDonald IslandsHoly SeeHondurasHong KongHungaryIcelandIndiaIndonesiaIranIraqIrelandIsle of ManIsraelItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKorea, Democratic People's Republic ofKorea, Republic ofKuwaitKyrgyzstanLao People's Democratic RepublicLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMacaoMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMartiniqueMauritaniaMauritiusMayotteMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorth MacedoniaNorthern Mariana IslandsNorwayOmanPakistanPalauPalestine, State ofPanamaPapua New GuineaParaguayPeruPhilippinesPitcairnPolandPortugalPuerto RicoQatarRomaniaRussian FederationRwandaRéunionSaint BarthélemySaint Helena, Ascension and Tristan da CunhaSaint Kitts and NevisSaint LuciaSaint MartinSaint Pierre and MiquelonSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint MaartenSlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth Georgia and the South Sandwich IslandsSouth SudanSpainSri LankaSudanSurinameSvalbard and Jan MayenSwedenSwitzerlandSyria Arab RepublicTaiwanTajikistanTanzania, the United Republic ofThailandTimor-LesteTogoTokelauTongaTrinidad and TobagoTunisiaTurkmenistanTurks and Caicos IslandsTuvaluTürkiyeUS Minor Outlying IslandsUgandaUkraineUnited Arab EmiratesUnited KingdomUnited StatesUruguayUzbekistanVanuatuVenezuelaViet NamVirgin Islands, BritishVirgin Islands, U.S.Wallis and FutunaWestern SaharaYemenZambiaZimbabweÅland Islands Country Primary Phone Number*By entering your telephone number (landline or mobile), and clicking save or continue, you are giving us permission to contact you about this application.Alternate Phone NumberEmail Address* Enter Email Confirm Email Account Signer 3Personal & Identity InformationName* First Middle Last Title/Position*Date of Birth* MM slash DD slash YYYY Must be 14 years of age or older to be able to submit this application.Social Security Number*(We obtain your social security number to help verify your identity.)Gender* Male Female IdentificationYour personal information is confidential and secure with Black Hills Community Bank. We do not share your personal information. Federal law requires that financial institutions obtain and verify personal information in order to open an account.Identification Type* Drivers License State Identification Military Identification Passport ID Number*Issue Date*Issuing State*DOD Number*Passport ID*Issuing Country*Expiration Date* MM slash DD slash YYYY Are you a citizen of the United States?* Yes No Address & Contact InformationAddress* Street Address Address Line 2 City South Dakota ZIP / Postal Code AfghanistanAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelgiumBelizeBeninBermudaBhutanBoliviaBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBrunei DarussalamBulgariaBurkina FasoBurundiCabo VerdeCambodiaCameroonCanadaCayman IslandsCentral African RepublicChadChileChinaChristmas IslandCocos IslandsColombiaComorosCongoCongo, Democratic Republic of theCook IslandsCosta RicaCroatiaCubaCuraçaoCyprusCzechiaCôte d'IvoireDenmarkDjiboutiDominicaDominican RepublicEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEswatiniEthiopiaFalkland IslandsFaroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuamGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard Island and McDonald IslandsHoly SeeHondurasHong KongHungaryIcelandIndiaIndonesiaIranIraqIrelandIsle of ManIsraelItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKorea, Democratic People's Republic ofKorea, Republic ofKuwaitKyrgyzstanLao People's Democratic RepublicLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMacaoMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMartiniqueMauritaniaMauritiusMayotteMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorth MacedoniaNorthern Mariana IslandsNorwayOmanPakistanPalauPalestine, State ofPanamaPapua New GuineaParaguayPeruPhilippinesPitcairnPolandPortugalPuerto RicoQatarRomaniaRussian FederationRwandaRéunionSaint BarthélemySaint Helena, Ascension and Tristan da CunhaSaint Kitts and NevisSaint LuciaSaint MartinSaint Pierre and MiquelonSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint MaartenSlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth Georgia and the South Sandwich IslandsSouth SudanSpainSri LankaSudanSurinameSvalbard and Jan MayenSwedenSwitzerlandSyria Arab RepublicTaiwanTajikistanTanzania, the United Republic ofThailandTimor-LesteTogoTokelauTongaTrinidad and TobagoTunisiaTurkmenistanTurks and Caicos IslandsTuvaluTürkiyeUS Minor Outlying IslandsUgandaUkraineUnited Arab EmiratesUnited KingdomUnited StatesUruguayUzbekistanVanuatuVenezuelaViet NamVirgin Islands, BritishVirgin Islands, U.S.Wallis and FutunaWestern SaharaYemenZambiaZimbabweÅland Islands Country Primary Phone Number*By entering your telephone number (landline or mobile), and clicking save or continue, you are giving us permission to contact you about this application.Alternate Phone NumberEmail Address* Enter Email Confirm Email Account Signer 4Personal & Identity InformationName* First Middle Last Title/Position*Date of Birth* MM slash DD slash YYYY Must be 14 years of age or older to be able to submit this application.Social Security Number*(We obtain your social security number to help verify your identity.)Gender* Male Female IdentificationYour personal information is confidential and secure with Black Hills Community Bank. We do not share your personal information. Federal law requires that financial institutions obtain and verify personal information in order to open an account.Identification Type* Drivers License State Identification Military Identification Passport ID Number*Issue Date*Issuing State*DOD Number*Passport ID*Issuing Country*Expiration Date* MM slash DD slash YYYY Are you a citizen of the United States?* Yes No Address & Contact InformationAddress* Street Address Address Line 2 City South Dakota ZIP / Postal Code AfghanistanAlbaniaAlgeriaAmerican SamoaAndorraAngolaAnguillaAntarcticaAntigua and BarbudaArgentinaArmeniaArubaAustraliaAustriaAzerbaijanBahamasBahrainBangladeshBarbadosBelarusBelgiumBelizeBeninBermudaBhutanBoliviaBonaire, Sint Eustatius and SabaBosnia and HerzegovinaBotswanaBouvet IslandBrazilBritish Indian Ocean TerritoryBrunei DarussalamBulgariaBurkina FasoBurundiCabo VerdeCambodiaCameroonCanadaCayman IslandsCentral African RepublicChadChileChinaChristmas IslandCocos IslandsColombiaComorosCongoCongo, Democratic Republic of theCook IslandsCosta RicaCroatiaCubaCuraçaoCyprusCzechiaCôte d'IvoireDenmarkDjiboutiDominicaDominican RepublicEcuadorEgyptEl SalvadorEquatorial GuineaEritreaEstoniaEswatiniEthiopiaFalkland IslandsFaroe IslandsFijiFinlandFranceFrench GuianaFrench PolynesiaFrench Southern TerritoriesGabonGambiaGeorgiaGermanyGhanaGibraltarGreeceGreenlandGrenadaGuadeloupeGuamGuatemalaGuernseyGuineaGuinea-BissauGuyanaHaitiHeard Island and McDonald IslandsHoly SeeHondurasHong KongHungaryIcelandIndiaIndonesiaIranIraqIrelandIsle of ManIsraelItalyJamaicaJapanJerseyJordanKazakhstanKenyaKiribatiKorea, Democratic People's Republic ofKorea, Republic ofKuwaitKyrgyzstanLao People's Democratic RepublicLatviaLebanonLesothoLiberiaLibyaLiechtensteinLithuaniaLuxembourgMacaoMadagascarMalawiMalaysiaMaldivesMaliMaltaMarshall IslandsMartiniqueMauritaniaMauritiusMayotteMexicoMicronesiaMoldovaMonacoMongoliaMontenegroMontserratMoroccoMozambiqueMyanmarNamibiaNauruNepalNetherlandsNew CaledoniaNew ZealandNicaraguaNigerNigeriaNiueNorfolk IslandNorth MacedoniaNorthern Mariana IslandsNorwayOmanPakistanPalauPalestine, State ofPanamaPapua New GuineaParaguayPeruPhilippinesPitcairnPolandPortugalPuerto RicoQatarRomaniaRussian FederationRwandaRéunionSaint BarthélemySaint Helena, Ascension and Tristan da CunhaSaint Kitts and NevisSaint LuciaSaint MartinSaint Pierre and MiquelonSaint Vincent and the GrenadinesSamoaSan MarinoSao Tome and PrincipeSaudi ArabiaSenegalSerbiaSeychellesSierra LeoneSingaporeSint MaartenSlovakiaSloveniaSolomon IslandsSomaliaSouth AfricaSouth Georgia and the South Sandwich IslandsSouth SudanSpainSri LankaSudanSurinameSvalbard and Jan MayenSwedenSwitzerlandSyria Arab RepublicTaiwanTajikistanTanzania, the United Republic ofThailandTimor-LesteTogoTokelauTongaTrinidad and TobagoTunisiaTurkmenistanTurks and Caicos IslandsTuvaluTürkiyeUS Minor Outlying IslandsUgandaUkraineUnited Arab EmiratesUnited KingdomUnited StatesUruguayUzbekistanVanuatuVenezuelaViet NamVirgin Islands, BritishVirgin Islands, U.S.Wallis and FutunaWestern SaharaYemenZambiaZimbabweÅland Islands Country Primary Phone Number*By entering your telephone number (landline or mobile), and clicking save or continue, you are giving us permission to contact you about this application.Alternate Phone NumberEmail Address* Enter Email Confirm Email CAPTCHA
- [New Savings Setup](https://bhcbank.com/new-savings-setup/): Do you want to open an individual or joint account?* Individual Joint Which account are you applying for?*Treehouse SavingsRegular SavingsCommunity Tiered Money MarketHealth Savings AccountPersonal InformationName* First Middle Last Address - **No PO Boxes*** Street Address Address Line 2 City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code Eligibility* Yes By checking yes, you verify that you are a resident of the state of South Dakota. You understand that Black Hills Community Bank is not required to open accounts outside of their market area.Are You a U.S. Citizen?* Yes No Do you currently rent or own your home?* Rent Own How many years have you lived at your current residence?*Less than 1 year1-2 years2-4 years5+ yearsPrevious address* Street Address Address Line 2 City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code Do you have additional residences in other countries?* Yes No Please list other countries of residence*Primary Phone Number*By entering your telephone number (landline or mobile), and clicking save or continue, you are giving us permission to contact you about this application.Alternate Phone NumberEmail Address* EmploymentEmployment Status* Employed Unemployed Retired EmployerJob TitleHow many years have you been with your current employer?*Previous EmployerJob TitleHow many years were you employed?IdentityYour personal information is confidential and secure with Black Hills Community Bank. We do not share your personal information. Federal law requires that financial institutions obtain and verify personal information in order to open an account.
Date of Birth* MM slash DD slash YYYY Must be 14 years of age or older to be able to submit this application.Social Security Number*We obtain your social security number to help verify your identity.Are you a citizen of the United States?* Yes No Identification Type* Drivers License State Identification Military Identification Passport ID Number*Issuing State*Issue Date*DOD Number*Passport ID*Issuing Country*Expiration Date* MM slash DD slash YYYY Joint Applicant - Personal InformationName* First Middle Last Address is same as primary applicant Yes Address - **No PO Boxes*** Street Address Address Line 2 City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code Eligibility* Yes By checking yes, you verify that you are a resident of the state of South Dakota. You understand that Black Hills Community Bank is not required to pen accounts outside of their market area.Is the United States your country of permanent residence?* Yes No Do you current rent or own your home?* Rent Own How many years have you lived at your current residence?*Previous address* Street Address Address Line 2 City AlabamaAlaskaAmerican SamoaArizonaArkansasCaliforniaColoradoConnecticutDelawareDistrict of ColumbiaFloridaGeorgiaGuamHawaiiIdahoIllinoisIndianaIowaKansasKentuckyLouisianaMaineMarylandMassachusettsMichiganMinnesotaMississippiMissouriMontanaNebraskaNevadaNew HampshireNew JerseyNew MexicoNew YorkNorth CarolinaNorth DakotaNorthern Mariana IslandsOhioOklahomaOregonPennsylvaniaPuerto RicoRhode IslandSouth CarolinaSouth DakotaTennesseeTexasUtahU.S. Virgin IslandsVermontVirginiaWashingtonWest VirginiaWisconsinWyomingArmed Forces AmericasArmed Forces EuropeArmed Forces Pacific State ZIP Code Do you have additional residences in other countries?* Yes No Please list other countries of residence*Primary Phone Number*By entering your telephone number (landline or mobile), and clicking save or continue, you are giving us permission to contact you about this application.Alternate Phone NumberEmail Address* Joint Applicant - EmploymentEmployment Status* Employed Unemployed Retired EmployerJob TitleHow many years have you been with your current employer?*Previous EmployerJob TitleHow many years were you employed?*Joint Applicant - IdentityYour personal information is confidential and secure with Black Hills Community Bank. We do not share your personal information. Federal law requires that financial institutions obtain and verify personal information in order to open an account.
Date of Birth* MM slash DD slash YYYY Must be 14 years of age or older to be able to submit this application.Social Security Number*We obtain your social security number to help verify your identity.Are you a citizen of the United States?* Yes No Identification Type* Drivers License State Identification Military Identification Passport ID Number*Issuing State*DOD Number*Passport ID*Issuing Country*Expiration Date* MM slash DD slash YYYY CAPTCHA
- [Buffalo Wild Wing Coupon](https://bhcbank.com/bww/): To use this coupon you can either print this page or click this link to print the PDF version
- [Blaze Coupon](https://bhcbank.com/blaze-coupon/): To use this Flyer you can either print this page or click this link for the PDF version
- [New Account Setup](https://bhcbank.com/setup-a-new-bank-account/): That means when you open an account, we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
- [Donations](https://bhcbank.com/community-involvement/): As part of Black Hills Community Bank's culture, we believe in giving back to our local community as a way to pay it forward. The bank's social responsibility plays a critical role in our business strategy of responsible growth and connects us to our purpose of making people's financial lives better in our communities. Whether we make a loan to purchase your home or grow your business, it is also important to us to support non-profits who work tirelessly to address community needs.
- [Customer Reviews](https://bhcbank.com/google-reviews/): Click here to let us know how we are doing!
- [Community Cash Back Disclosure](https://bhcbank.com/community-cash-back-disclosure/): When monthly qualifications are met, you receive 4.00% cash back on debit card purchases of $10.00 or higher that post to your account during monthly statement cycle up to a total cash back of $10.00 per monthly statement cycle. Qualifying transactions must post to your account during monthly statement cycle. Statement cycle qualifications include: (1) At least ten debit card transactions post to your account for a minimum of $10.00 each statement cycle; (2) Enroll and receive electronic statements; and (3) Log into online banking at least once during the monthly statement cycle. Transactions may take one or more banking days from the date transaction was made to post to your account. ATM processed transactions do not count towards qualifying transactions. Domestic ATM fees incurred during the statement cycle will be reimbursed automatically up to $4.99 per single transaction, and fees $5.00 or greater are reimbursable if a receipt is presented, for the first 5 transactions up to $19.99, and credited to account on the last day of monthly statement cycle. Minimum to open is $100. Limit one account per SSN.
- [Free Checking Plus Disclosure](https://bhcbank.com/free-checking-plus-disclosure/): *Annual Percentage Yield.  APYs accurate as of 6/15/2026.  Rate may change after account is opened. Minimum opening deposit is $100. Statement cycle qualifications include: (1) 15 debit card purchases post to your account during the statement period; (2) Enroll and receive e-statements; and (3) Log into online or mobile banking at least once during the statement cycle.  If qualifications are met each monthly statement cycle: (1) Domestic ATM fees incurred during the statement cycle will be reimbursed automatically up to $4.99 per single transaction, and fees $5.00 or greater are reimbursable if a receipt is presented, for the first 5 transactions up to $19.99, and credited to account on the last day of monthly statement cycle; (2) Average daily balances up to $25,000.00 receive 2.53% APY; (3) Average daily balances over $25,000.00 earn .25% interest rate on portion of balance over $25,000.00, resulting in 2.53% - .26% APY depending on the balance. If qualifications are not met, all balances earn .05% APY. Fees could reduce earnings. Transactions may take one or more banking days from the transaction date to post to and settle an account.  ATM-processed transactions do not count towards qualifying debit card transactions. Limit one account per SSN. Free Checking Plus accounts are for personal consumer accounts only. Fees may reduce earnings.
- [Community Cash Back](https://bhcbank.com/community-cash-back/): Free checking with rewards and more. Rewards that you can earn for doing what you already do. Get all the convenience and rewards that you deserve.
- [Free Checking Plus](https://bhcbank.com/free-checking-plus/): Free checking account with interest and more. Rewards that you can earn for doing what you already do. Get all the convenience, refunds and interest that you deserve.
- [Contact Us – Spearfish](https://bhcbank.com/spearfish-contact-us/): Interested in learning more about our checking and savings accounts or loan options? Contact us today and one of our team members will be in touch shortly!
- [Meet the Spearfish Team](https://bhcbank.com/spearfish-meet-team/)
- [Videos](https://bhcbank.com/videos/): Check out our latest commercials about our Investing in what counts community support!
- [Free ATMs](https://bhcbank.com/free-atms/): We are proudly partnering with Allpoint, America’s Largest Surcharge-Free ATM Network, to bring you over 55,000 Surcharge-free ATMs Worldwide. We also partner with Advantage to bring you an even bigger network of Surcharge-free ATMs.
- [Mobile Banking](https://bhcbank.com/mobile-banking/): Welcome to the world of Mobile Banking
- [External Link](https://bhcbank.com/external-link/): You are now visiting a site outside of the Black Hills Community Bank's website.
- [Security](https://bhcbank.com/wp-content/uploads/2014/03/WebSecurity.pdf): Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.
- [Privacy Policy](https://bhcbank.com/wp-content/uploads/2017/05/mortgage@bhcbank.com_20170510_090806.pdf): Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.
- [Terms and Conditions](https://bhcbank.com/wp-content/uploads/2014/03/TermsConditions.pdf): Ut wisi enim ad minim veniam, quis nostrud exerci tation ullamcorper suscipit lobortis nisl ut aliquip ex ea commodo consequat. Duis autem vel eum iriure dolor in hendrerit in vulputate velit esse molestie consequat, vel illum dolore eu feugiat nulla facilisis at vero eros et accumsan et iusto odio dignissim qui blandit praesent luptatum zzril delenit augue duis dolore te feugait nulla facilisi.
- [Apply Online](https://blackhillscommunitybank.mymortgage-online.com/?loanapp&siteid=7616553138&lar=onlineapp&workFlowId=52971): Consetetur sadipscing elitr, sed diam nonumy eirmod tempor invidunt ut labore et dolore magna aliquyam erat, sed diam voluptua. At vero eos et accusam et justo duo dolores et ea rebum. Stet clita kasd gubergren, no sea takimata sanctus est Lorem ipsum dolor sit amet. Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam nonumy eirmod tempor invidunt ut labore et dolore magna aliquyam erat, sed diam voluptua. At vero eos et accusam et justo duo dolores et ea rebum. Stet clita kasd gubergren, no sea takimata sanctus est Lorem ipsum dolor sit amet. Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam nonumy eirmod tempor invidunt ut labore et dolore magna aliquyam erat, sed diam voluptua. At vero eos et accusam et justo duo dolores et ea rebum. Stet clita kasd gubergren, no sea takimata sanctus.
- [Business and Ag Loans](https://bhcbank.com/business/business-loans/): Whether you're launching a new venture, expanding operations, or managing day-to-day cash flow, our comprehensive range of business loans can provide the capital you need to achieve your goals.
- [Business CDs](https://bhcbank.com/business/cds/): Ready to take the next step in securing your business's financial future? Make an investment that allows you to grow your company with business CDs from Black Hills Community Bank. Whether you're saving for expansion, planning for upcoming expenses, or simply looking to maximize your business's earnings, our business CDs offer the perfect solution.
- [Business Savings](https://bhcbank.com/business/savings/): Black Hills Community Bank gives you top money management products for your business. Our business savings accounts offer convenience, flexibility and great rates. Our experienced staff will work with you to realize the maximum benefit of your business savings accounts.
- [Checking](https://bhcbank.com/business/checking/): Every small business needs to be able to move cash with a business checking account with low fees. As a local bank, Black Hills Community Bank offers great business checking features and has a staff that has the experience to help you with your business banking.
- [Business](#): Consetetur sadipscing elitr, sed diam nonumy eirmod tempor invidunt ut labore et dolore magna aliquyam erat, sed diam voluptua. At vero eos et accusam et justo duo dolores et ea rebum. Stet clita kasd gubergren, no sea takimata sanctus est Lorem ipsum dolor sit amet. Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam nonumy eirmod tempor invidunt ut labore et dolore magna aliquyam erat, sed diam voluptua. At vero eos et accusam et justo duo dolores et ea rebum.
- [Personal Loans](https://bhcbank.com/personal/personal-loans/): Flexible Financing Solutions: Whether you're consolidating debt, making a major purchase, or funding a special project, our personal loans offer the flexibility you need to achieve your financial objectives.
- [IRAs](https://bhcbank.com/personal/iras/): Black Hills Community Bank is proud to be your partner in preparing for secure and comfortable retirement. Explore the benefits of Individual Retirement Accounts (IRAs) and discover how we can help you achieve your long-term financial goals. 
- [CDs](https://bhcbank.com/personal/cds/): Black Hills Community Bank offers two Certificate of Deposit options to meet your needs.
- [Personal Savings](https://bhcbank.com/personal/savings/): At Black Hills Community Bank, we understand the importance of saving for your future. Whether you are saving for your retirement, your child's education, or a dream vacation, we have a savings product perfectly tailored to your needs. With competitive rates and a variety of features, Black Hills Community Bank will help you reach your savings goals.
- [Checking](https://bhcbank.com/personal/checking-account/): Did you know the best checking accounts are at Black Hills Community Bank? Our checking accounts are offered by friendly and experienced bankers to provide you with unmatched service and quality products. Your money is insured safe by the FDIC. Take a look at our checking account offerings listed below and choose the one that fits your lifestyle, because you deserve the best.
- [Personal](#): At vero eos et accusam et justo duo dolores et ea rebum. Stet clita kasd gubergren, no sea takimata sanctus est Lorem ipsum dolor sit amet. Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam nonumy eirmod tempor invidunt ut labore et dolore magna aliquyam erat, sed diam voluptua. At vero eos et accusam et justo duo dolores et ea rebum. Stet clita kasd gubergren, no sea takimata sanctus est Lorem ipsum dolor sit amet. Lorem ipsum dolor sit amet, consetetur sadipscing elitr, At accusam aliquyam diam diam dolore dolores duo eirmod eos erat, et nonumy sed tempor et et invidunt justo labore Stet clita ea et gubergren, kasd magna no rebum. sanctus sea sed takimata ut vero voluptua. est Lorem ipsum dolor sit amet. Lorem ipsum dolor sit amet, consetetur sadipscing elitr, sed diam nonumy eirmod tempor invidunt ut labore et dolore magna aliquyam erat.
- [Contact Us – Rapid City](https://bhcbank.com/contact-us/): Interested in learning more about our checking and savings accounts or loan options? Contact us today and one of our team members will be in touch shortly!
- [Careers](https://bhcbank.com/careers/): Black Hills Community Bank maintains high expectations of core values, a positive attitude, and character in all of our employees.
- [Calculators](https://bhcbank.com/calculators/)
- [Home Loans](https://bhcbank.com/mortgages/): Discover your home mortgage loan options with our experienced mortgage lenders.
- [Meet the Rapid City Team](https://bhcbank.com/meet-the-team/)
- [Your COMMUNITY Bank.](https://bhcbank.com/): As a leading Rapid City bank, we pride ourselves on doing business locally. We are local investors, local Board of Directors and local bankers, making local decisions.