Checking

Did you know the best checking accounts are at Black Hills Community Bank.  Our 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 accounts listed below and choose the one that fits your lifestyle, because you deserve the best.

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

Community Cash

  • Free Checking – no monthly service feesCommunity Rewards Program, BHCB
  • 2.53% APY on deposit balances up to $25,000, balance above $25,000 receives a 0.25% APY* 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

Apply Online Today
Click here for account disclosure information


Community Cash Back

  • Free checking – no monthly service fees4% Cash Back rewards up to max rewards of $10.00 in a statement cycle
  • 4% Cash Back rewards up to 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
  • Just a low $100 minimum deposit is required to open your Community Cash Back Checking

Apply Online Today
 Click here for account disclosure information 


Free CheckingPiggy bank

  • 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

Apply Online Today


Rushmore Checking

Monthly Maintenance Charge of *$5.00

Benefits with Rushmore Checking at Black Hills Community Bank

  • Identity Theft Protection
  • Free Online Banking, Mobile App, and Bill Pay
  • First Debit Card Free
  • 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
  • **ATM fees reimbursed at the time receipt is presented to bank representative

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

Apply Online Today


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 with Dime-A-Time Rewards
  • Free Money Orders
  • Free Cashier Checks
  • Free Custom Checks
  • **ATM fees reimbursed at the time receipt is presented to bank representative

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

Apply Online Today

  • Dennis Wagner
    Dennis Wagner
    Rapid City Community Banker
    Email
  • Angelica Hafele
    Angelica Hafele
    Rapid City Personal Banker
    Email
  • Melissa Montgomery
    Melissa Montgomery
    Rapid City Personal Banker
    Email
  • Chelsey Scott
    Chelsey Scott
    Rapid City Teller
    Email
  • Jodi Watts
    Jodi Watts
    Spearfish Personal Banker
    Email
  • Angie Bacon
    Angie Bacon
    Spearfish Teller/Customer Service Rep
    Email