Choose the best type of funds transfer for your situation
What do you want to do? We recommend: Advantage: Disadvantage: Costs: Set Up:
Send funds to another bank as a one-time transaction in same day Wire Out Transaction can take place within one business day. $20 wire-out fee. 2 p.m. order deadline. $20 wire-out fee, plus any wire-in fee by the receiving bank. Wire agreement and transaction form
Send funds to another bank, credit union or investment firm as a one-time transaction in 1-3 days Popmoney Transfer will settle in 1 to 3 business days without paying the $20 wire transfer fee. No same-day funds availability. You have to initiate the transfer yourself on DSB Online None. First must be registered for DSB Online. From online login, click "Transfers > Popmoney." From mobile app login, click "Popmoney." 
Receive funds from another bank as a one-time transaction in same day Wire In Transaction can take place within one business day. $5 wire-in fee. 2 p.m. order deadline. $5 wire-in fee, plus any wire-out fee by the originating bank. The wire originator will set it up and send. 
Receive funds from another bank, credit union or investment firm as a one-time transaction by 3 days Online External Transfer Transfer will settle in three (3) business days without paying the $20 wire transfer fee. No same-day funds availability. You have to initiate the transfer yourself on DSB Online. You first must have a successful transfer FROM DSB to the other bank before you can schedule FROM the other bank to DSB. None. First must be registered for DSB Online. From online login, click "Transfers > "ACH to/from my other banks." 
Send fixed recurring deposits/payments to another bank ACH Preauthorization Electronic transaction gets made automatically, on time, each time. Preauthorization cannot be amended; it can only be cancelled and replaced with a new one. Sufficient funding must be in the account at the exact moment the transaction is attempted. None. Ask the receiving bank to originate the ACH.
Receive recurring deposits/payments from another bank ACH Preauthorization Electronic no-cost transaction gets made automatically, on time, each time. Preauthorization cannot be amended; it can only be cancelled and replaced with a new one. Sufficient funding must be in the account at the exact moment the transaction is attempted. None. DSB can originate this. Fill out and submit the ACH Debit Authorization form
Send payments to a company DSB Bill Pay No checks and no postage, and all managed behind one login at DSB Online. Takes 2 (electronic) to 6 (check) business days, solely depending on how the payee receives payments. None. First must be registered for both DSB Online and Bill Pay.
Send payments to a person Popmoney No checks, no hassles, no paper, no trips to the bank by either the sender or the recepient. All you have to know is the receiver's email address or text number. Receiving person must take action. None. First must be registered for DSB Online. From online login, click "Transfers > Popmoney." From mobile app login, click "Popmoney" 
Transfer funds between DSB accounts as a one-time transaction DSB Online internet banking: single transfer Real-time transfers can be made any time of day to the Available Balance. Same-day online postings accepted through 6:00 p.m. weekdays. You have to initiate the transfer yourself on DSB Online and have sufficient funds in the Available Balance when the attempt is made. None. Set up on DSB Online only from a PC login or Automatic Transfer Set Up form
Transfer funds between DSB accounts as a fixed recurring transaction DSB Online internet banking: Scheduled Recurring Transfer (SRT) Electronic no-cost transaction gets made automatically, on time, each time. Sufficient funding must be in the account at the exact moment the transaction is executed. None. Set up on DSB Online only from a PC login or Automatic Transfer Set Up form
 

View DSB's Electronic Funds Transfer (EFT) policy.

Regular withdrawal limits and fees apply on savings accounts.