Growing your Earnings Just Got Easier

Personal SavingsWhether it’s a lifelong dream or a simple weekend getaway, Decorah Bank & Trust offers a variety of options to help you reach your savings goals.

Discover More about our Personal Savings and CDs
(PDF, 375KB)

Savings Accounts     Print

For first-time savers or anyone who wants convenient access to their saving deposits, this account is the perfect fit for any level of saver.

Insured Money Market Investment Account     Print

Get the interest-bearing benefit of a market-indexed account with the ability to access your money if you need it.

CD Specials     Print

Looking for other ways to grow your savings? We offer a variety of different certificate of deposits (CDs) that have terms you’ll be comfortable with. Whether it’s just a few months or up to a few years, take advantage of higher saving interest rates and the safety and security of FDIC insurance.

1-2-3 Banking

Welcome to strong beginnings 123-logo-full-with-dual-logoto a healthy financial future for account holders through age 25. Check out the three levels of 1-2-3 Banking here.


CDARS. FDIC Insurance for Deposits over  $250,000

How refreshing. Enjoy full FDIC insurance on deposit amounts larger than $250,000 and the convenience of your one hometown bank, one CD rate, and one simple bank statement. CDARS is a registered service mark of Promontory Interfinancial Network, LLC and is ideal for deposits ranging from $250,000 to millions of dollars.  Visit with us to learn more.

Christmas Club Savings

Easily save money for the holidays, ease the burden of year-end taxes, or for any purchase you want with this automatic savings transfer from your checking account.

Savings Bonds

Purchase your savings bonds that are backed by the United States Government at

Help reach your financial goals with a Decorah Bank & Trust savings account. Contact a personal banking specialist today at (563) 382-9661.

To activate Decorah Bank & Trust’s (DB&T) eStatements, you must agree to the following terms and conditions:

  1. SCOPE AND ACCEPTANCE OF TERMS. When you sign the eStatements Enrollment Form, you are consenting to the electronic delivery of selected account statements, notices, and disclosures. Your decision to receive your statements electronically will remain in effect until amended by you or until this Agreement is cancelled. If you experience equipment failure and you are unable to retrieve your e-mails, you may obtain a copy of any statement on paper by calling DB&T’s Bookkeeping Services at 563-382-9661 or by sending a written request to: Decorah Bank & Trust, Bookkeeping Services, PO Box 380, Decorah, IA 52101.
  2. NOTICE AND PLACE OF DELIVERY. Decorah Bank & Trust will deliver documents to your current e-mail address. You will receive your statement as an attachment to an e-mail. When you click on the attachment you will be prompted to enter a Password. You must notify us immediately if your e-mail address changes. If your statement is undeliverable to all e-mail addresses given for two consecutive months, account(s) statements will revert to a printed statement and the image presentation used in the previous printed format. To submit a change of e-mail address, call DB&T’s Bookkeeping Services at 563-382-9661 or write Decorah Bank & Trust, Bookkeeping Services, PO Box 380, Decorah, IA 52101. Confirmation will be sent to your old e-mail address and to your new e-mail address.
  3. PASSWORD. Your password will be at least eight (8) characters, using a combination of letters and numbers. If you wish to change your password you can do so by calling DB&T’s Bookkeeping Services at 563-382-9661 or writing Decorah Bank & Trust, Bookkeeping Services, PO Box 380, Decorah, IA 52101.
    a. Equipment/Access requirements:
    • A PC or Mac with access to the Internet
    • An active e-mail account
    • Adobe Acrobat Reader™ 6.0 or higher (free software you can download)
    • Immediately notify us of any change in your e-mail address
    You are solely responsible for the cost and maintenance of such equipment. You represent and warrant that you have the equipment and access capabilities to receive documents electronically.
    b. Protect your Password. You are responsible for the use, protection and confidentiality of your password, as well as other account numbers, account information, and e-mail address information. Please notify the bank immediately if you become aware of a theft, loss or unauthorized use of your personal information
    c. Open and read your documents. You are responsible for accessing, opening, storing, and proper disposal of your documents. Documents contain important and legally binding notices, information and conditions. You are responsible for promptly notifying Decorah Bank & Trust if any documents you receive are not accessible, or are incomplete or unreadable.
  5. PAPER STATEMENTS. Upon signing up for eStatements you will no longer receive paper statements. In the event you request a paper statement applicable fees will apply.
  6. CANCELLATION RIGHTS. You may cancel this agreement at any time by calling DB&T Bookkeeping Services at 563-382-9661 or writing Decorah Bank & Trust, Bookkeeping Services, PO BOX 380, Decorah, IA 52101. You may cancel eStatements delivery at any time. Decorah Bank & Trust will not impose any fees for cancellation of eStatements delivery. Cancellation is effective at the next statement cycle after receipt of your cancellation notice.
  7. OTHER CANCELLATION RIGHTS. Decorah Bank & Trust may also cancel this Agreement and your access to eStatements for any reason.
    a. Decorah Bank & Trust reserves the right, at any time to amend the terms of this Agreement. The bank will notify you of any amendments to this Agreement (including any changes in the hardware or software required to access and retain documents) by providing notice to you at your e-mail address or by postal delivery or as otherwise allowed or required by law.
    b. You will be deemed to have accepted any amendments to this agreement made by Decorah Bank & Trust unless you cancel this Agreement prior to your next statement cycle.
  9. VIRUS PPROTECTION. Decorah Bank & Trust is not responsible for any electronic virus or viruses that you may encounter. We encourage our customers to routinely scan their PC and diskettes using a reliable virus product to detect and remove any viruses. Undetected or unrepaired viruses may corrupt and destroy your programs, files and even your hardware. Additionally, you may unintentionally transmit the virus to other computers.
  10. LIABILTIES. Decorah Bank & Trust does not foresee or anticipate technical or other difficulties. Therefore, the Bank makes no warranty that eStatements delivery will be uninterrupted or error free. The Bank is not liable for any loss or damage arising from (a) your failure to comply with the eStatements Responsibilities (b) interruption in eStatements delivery due to problems with your equipment or errors/delays in communication and transmission lines, or (c) any occurrence beyond the Bank’s reasonable control.
  11. By signing the eStatements Enrollment Form, you acknowledge that you have read, understood and agree to the terms and conditions set forth in this Agreement.