Checking

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.

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

Community Cash

  • No monthly service fees
  • Rewards APY of 2.53%* on average daily deposit balances up to $25,000 
  • Just a low $100 minimum deposit is required to open your Community Cash Checking
  • No minimum deposit balance required to earn rewards
  • Free Online banking and mobile app with Bill Pay
  • First Debit Card Free
  • 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
  • Online banking enrollment
  • Enroll and receive E-statement
  • Log into online or mobile banking at least once in a statement cycle

If the qualifications are not met, the interest rate is .05% APY*

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

*Click here for account disclosure information


Community Cash Back

  • No monthly service fees
  • 4% Cash Back rewards on debit card purchases of $10.00 or higher. Max rewards of $10.00 in a statement period.*
  • If qualifications are met, five ATM reimbursements up to $19.99 are refunded*
  • No minimum balance to earn rewards
  • Free Online Banking, Mobile App, and Bill Pay
  • First Debit Card Free
  • Unlimited check writing

Qualifying for your Rewards is easy!

  • 10 debit card transactions for a minimum $10.00 each swipe
  • Online banking enrollment
  • Enroll and receive E-statement
  • Log into online or mobile banking at least once in a statement cycle

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

*Click here for account disclosure information


Free Checking Account

  • No Monthly Service Charge
  • No Minimum Monthly Balance Requirement
  • First Debit Card Free
  • Free Online Banking, Mobile App, and Bill Pay
  • Free check images with E-statement

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


50 Plus Checking (Age 50 and Over)

Benefits with 50 Plus Checking at Black Hills Community Bank

  • No Monthly service charge
  • Interest paid on $1000 average daily collected balance
  • Free Check Images
  • Free Online Banking, Mobile App, and Bill Pay
  • Free 24 Hour Telephone Banking
  • First Debit Card Free 
  • Free Standard Wallet Checks

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

Apply Online Today


Why Choose Black Hills Community Bank?

Checking | Untitled Design551 1

Personalized Service: Enjoy the personalized attention and support of a local bank that values your individual needs and goals.

Community Commitment: We’re deeply committed to giving back to the communities we serve through various initiatives and partnerships.

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Checking | Untitled Design553 1

Banking Expertise: We have a team of local bankers to help you with your banking needs.


  • Matthew Hackett
    Matthew Hackett
    Business Development Officer
    Rapid City
  • Melissa Montgomery
    Melissa Montgomery
    Personal Banker
    Rapid City
  • Chelsey Scott
    Chelsey Scott
    Deposit Account Specialist
    Rapid City
  • Anna Coad
    Anna Coad
    Deposit Account Specialist
    Rapid City
  • Jodi Watts
    Jodi Watts
    Sr. Personal Banker
    Spearfish
  • Margaret Ferguson
    Margaret Ferguson
    Deposit Account Specialist
    Spearfish