Switch to Plains Commerce Bank

To open an account or switch to Plains Commerce, you will need:

• Account application (PDF)
• Valid government-issued identification for all owners on an account.
  • Examples: driver's license, identification card, passport, military ID, tribal ID
• Social security number
  • SSN card need not be presented
  • If account is being opened for a minor, social security card or birth certificate is required
• Physical address (No PO Box)
• Any power of attorney papers (if applicable)

• Free Checking Account: no minimum balance required
• Kasasa Cash: no minimum balance required
• Interest Checking Account: $500 minimum average monthly balance required to avoid monthly service fee of $7.50
• Choice Checking Account: $5,000 minimum average monthly balance required to avoid monthly service fee of $15.00

You can apply for an account by filling out our application and bringing it to your nearest Plains Commerce Bank location.

We offer accounts for all ages and situations. 

• Those who are 18 years or younger can open a Youth Savings account with $0 minimum balance and start saving in the same day.

How do customers open a joint account?

• Opening a joint account is quite simple. We just need the required application and documents for each party along with a signature from both applicants. 

Learn more about each of our specific accounts, each with its own various options.

• Personal Checking
• Personal Savings
• Business Checking
• Business Savings
• Ag Checking
• Ag Savings

Fees will vary depending on the type of account that you open. If you'd like more information, simply contact one of our bankers.

• Free checking account: no account fees or service charges
• Kasasa Cash: no account fees or charges
• Interest Checking Account: no monthly service charges with a minimum balance of $500 in each statement cycle. Monthly service fee of $7.50 if average balance is not met.
• Choice Checking: no monthly service charges if the daily $5,000 combined minimum balance for all deposit accounts is met each statement cycle. Monthly service charge of $15.00 if the combined daily balance is not met

Great news! We do not charge any fees to transfer your account to Plains Commerce.

Plains Commerce has multiple locations throughout South Dakota. Check out a map of our locations to find your nearest bank.

Plains Commerce Bank utilizes both the Money Pass and Accel ATMnetworks, which provide customers with free access to thousands of ATMs nationwide.

• To update Automated Clearing House (ACH), you would need to sign a new ACH agreement for all and any changes each time you have a change.
• If updating payment information for something like a utility bill, loan payment, cable, etc., this is typically done through that particular merchant so a visit or phone call to that party would be necessary.

You can choose whichever you prefer. While having both checking and savings is an added convenience, it is not a requirement. Some exceptions apply, contact a banker for full details.

You'll receive a free starter box of checks when you open any type of checking account.

We do not pull credit when applying for a checking or savings account. We do use a system which will show us if other banks have reported account abuse, write-offs, or other pertinent information.

No matter what barriers are holding you back, if your current account isn't living up to your needs, it's time to switch. And whenever you're ready, we can help!