Additional Services

Account Reconciliation and Research

If you need to have your account balanced or request any past record copies, we will accommodate you. Research requests are subject to fees. To minimize fees you may obtain your information directly by accessing Denali Online.

Account Reconciliation and Research fees:

  • $1 per check copy
  • $20 per hour, $10 minimum
  • $2.50 per statement copy

Bounce Protection

Bounce Protection is a non-contractual privilege available to personal accounts in good standing. Denali State Bank reserves the right to limit participation to one account per household and to discontinue this service without prior notice.

While Denali State Bank does not encourage overdrafts, we will generally will honor overdrafts up to the Bounce Protection limit on your account. There is no cost associated with this privilege unless you use it. You will be charged the standard NSF fee of $28 for each item paid under the limit.

Cashier's Checks and Money Orders

Cashier’s Checks = $5

Money Orders = $3

Check Order

Place your check order anytime. We'll be happy to assist you in placing an order for checks.


We offer collection processing for our customers that have items requiring special handling. With collections, we send the item directly to the institution it is drawn on and may request additional time to clear the item. This can also be a means by which to collect funds payable in a foreign currency. Collections (incoming & outgoing)= $25

Denali Direct Telebanking

Denali Direct Telebanking provides 24-hour access to your account.

  • Obtain balance inquires
  • Obtain history inquires
  • Transfer funds
  • Obtain current deposit interest rates
  • Request a faxed copy of your statement. Fee is $1.

Direct Deposit

Direct deposit is a safe, convenient method to deposit funds in an
account. Direct deposit is a service provided by the government, some
employers and many other entities. Contact a New Account representative
with any questions regarding this service.

Direct Payment Plan

Our Direct Payment Plan will save time and postage by transferring payments automatically. Your payments are on-time, you write fewer checks and you maintain your good credit. It is easy to set up, to change and cancel.

One-time set-up fee = $10

Per transfer = $2

Foreign Checks

We are able to process Canadian checks, both in US and Canadian funds. In addition we are able to process other foreign check provided that the exchange is at least $250 US. There is a two part fee for this service. Denali State Bank charges a fee of $15, and the corresponding bank charges a fee of $40, for a total of $55 in charges. Credit and charges for the foreign item are applied when the bank receives the funds. Processing may take six to eight weeks.

Foreign Currency

We exchange Canadian currency only. This is a FREE service available to customers of Denali State Bank.

Imaged Statements

Imaging technology enables you to read and organize your checking account statements and item copies. These images will be a snapshot of the actual item, listed in a numerical order. Imaging aids in better organization and record keeping, easier balancing, convenient tax preparation, and fast check image lookup. For your convenience we will provide a three-ring binder to hold your copies. You may also view images using Denali Online.

Lockbox Services

We provide Lockbox services to businesses for processing and depositing payments from your customers. The Bank receives payments from your post office box, which are then scanned electronically and deposited to your account. The corresponding documentation is then forwarded to you electroncially or via a CD. Contact a New Accounts representative for more details.

Merchant Bankcard Services

Merchant Bankcard Services enables your business to accept credit and debit cards as a method of payment from customers. With Denali State Bank, you will have access to a local Bank representative and 24-hour access to a helpline. We offer competitive rates and fees, and can process known brands of credit cards, such as Visa®, Mastercard®, Discover®, and American Express®. Visit our Main Office and let our Bankcard Department assist you in establishing this service.

Night Depository 

Night Depository Service is a secure and safe way to protect your deposits after banking business hours. Your deposits are held for overnight protection and in the morning will be processed. You can also pick up your bags the next day, rather than having them processed. You also have the option to pick up unprocessed bags the next day.

Annual fee = $30

vinyl bags = no cost

Locking bags:

  • Small = $20
  • Large = $30

Notary and Signature Guarantee

We offer notary services FREE to our customers. For non-customers there is a $5 fee. To qualify for a signature guarantee, you must be an account holder for at least six months.

Refer-a-Friend Program

Since you enjoy doing business at Denali State Bank, why not tell a friend? If your friend opens a new account with a minimum initial deposit of $500, you earn $20! Pick up a coupon from the Bank, fill in your name, address and phone number and give it to your friend. When your friend opens the new account, we will send you a check for $20! Simple and fun. We know our customers were our best advertising; now it pays to refer a friend.

Safe Deposit Boxes

Safe deposit boxes are a secure and private place to store your valuables. Access to your box is permissible during lobby hours. Our safe deposit boxes are located at our Main Office or at our Chena Pump Branch.

Annual Fee ranges from $35 - $160 based on box size.

Wire Transfers

Wire transfers are a quick, efficient way of sending and receiving money electronically from institution to another. Upon receipt of the funds, your money is available immediately, so no need to worry about a hold being placed on your out-of-state funds. Contact a customer service representative for details.

wire transfer, outgoing domestic = $20

wire transfer, outgoing foreign = $40

wire transfer, incoming = Free

Other Bank Fees

Stop Payment Charge = $18

Non-Sufficient Funds (Business) Charge = $30

Early Account Closing Fee
Prior to 6 months after account opening = $25

Verification of Deposit-Mortgage Requests = $5  Rush=$10

Online Banking
Cash Management Service for Businesses:
Initial set up fee = $25
Monthly fee = $19.95

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