DCU FREE Checking
Making your DCU Checking Accounts Even BetterIf your checking account is at a bank, chances are you're paying big fees or getting little for the huge minimum balance you're forced to keep. Take a close look at your statement. You're in for a shock. Do they really want your business?
DCU's Free Checking, Dividend Checking, and Premier Checking programs already give you exceptional value. However, when you choose to participate in Loyalty Checking or Loyalty Checking Plus, you automatically get many more great benefits that save you money or increase your earnings.
Why do we do this? To repay your loyalty to DCU with additional value. The more you use DCU, the more benefits we can deliver to you and your fellow members. The more you use DCU, the more you'll benefit from the services you use and the extras we provide. Do more, get more.
Every DCU member with a checking account enjoys these basic checking benefits whether they choose FREE Checking, Dividend Checking, or Premier Checking...
- Free DCU Visa® Check Card with free purchase transactions – at the register, at the pump, online, by phone, or in person
- Free PC Branch internet banking with Free Bill Payer
- Free access to all DCU ATMs – Transactions at millions of other ATMs $1 each
- Free 24-hour telephone access by Easy Touch Telephone Teller
- Free unlimited check writing
- Free online check images – At least a year's worth, front and back
- Free pre-authorized payments and transfers – Those drawn on your account (such as insurance premiums or utility bills) or deposits into it
- Free monthly eStatements – Paper statements are also available
- Free Members' Monthly newsletter
- No-fee optional overdraft protection through your DCU Visa Credit Card or Equity LinePLUS – with approved credit
StreetWise Tip: A guide to selecting and using a checking account is available on our web site.
Using a Checking Account is a great guide for the safe and convenient use of this important financial service.
With Loyalty Checking you get all the basic benefits above plus all these...
- Free unlimited ATM transactions at every ATM everywhere – Save $1 with every transaction at a non-DCU ATM.
- Non-DCU ATM surcharges reimbursed automatically – Up to $5 per month, $60 a year, with no receipts to turn in.
- Special Loyalty Checking Dividend Rates – When you open or renew a DCU Certificate, you'll automatically receive the special rate for that certificate. Without Loyalty Checking you'll earn ¼% less. Includes IRA certificates.
- Special Loyalty Checking Loan Rates – With electronic loan payments, you'll pay ¼% less than by other payment methods on most consumer loans.
- With direct deposit, get paid up to two days early – We credit payroll deposits to your account when we get the transmission – often one or two days before your actual payday! We know of no bank that offers this free service.
- Free DCU Custom-style checks – One box per year – a $20.00 value.
How to qualify for Loyalty Checking benefits
It's very simple. Do this and your benefits are automatic...
- Have a DCU FREE Checking, Dividend Checking, or Premier Checking Account,
- and maintain Direct Deposit of your net pay, Social Security, or pension into your DCU Checking Account AND/OR use DCU Bill Payer regularly.
Members under age 23 automatically qualify for Loyalty Checking benefits. CashPak is specially designed for members from 17 to 22 to help them get a great financial start.
With Loyalty Checking Plus you get all the Loyalty Checking benefits and basic checking benefits above plus all these...
- Special Loyalty Checking Plus Dividend Rates – When you open or renew a DCU Certificate, you'll automatically receive our best rates for that certificate – typically ¼% above the Loyalty Checking rate for terms of 12 months or longer. Includes IRA Certificates.
- Certificate add-on rate bonus – Add $5,000 or more to a maturing certificate and you'll automatically receive an additional ¼% for the new term.
- Special Loyalty Checking Plus Loan Rates – With electronic loan payments, you'll pay ½% less than by other payment methods on most consumer loans.
- Multi-vehicle loan discount – Pay ¼% less on your next auto loan if you open it within two years of paying off your current DCU auto loan, or open an additional auto loan.
- $300 Cash back on NEW DCU First Mortgage – If you have a DCU Equity Loan product with a balance of $5,000 or more, we'll give you $300 cash back at closing to move your first mortgage to DCU.
- Qualify for the American Dream Home Ownership Program – Only members with Loyalty Checking Plus qualify for this unique savings and education program designed to help them save for the downpayment on their first home.
- Free unlimited DCU Custom style checks – Save $20.00 per box.
- Free American Express® Travelers Cheques, Gift Cheques, and Cheques for Two.
How to qualify for Loyalty Checking Plus benefits
It's very simple. Do this and your benefits are automatic...
- Have a DCU FREE Checking, Dividend Checking, or Premier Checking Account,
- and maintain Direct Deposit of your net pay, Social Security, or pension into your DCU Checking Account AND/OR use DCU Bill Payer regularly,
- and have an existing or open a DCU Visa® Credit Card and use it as your everyday card,
- and do at least one of the following...
- Have an open DCU Mortgage, Home Equity, Auto, or other loan account*
- Maintain investments (mutual funds, annuities, stocks, bonds, or Investment Advisory Services) of $1,000 or more, life insurance, or long-term care insurance (For more information on these services, including important member notices please visit the DCU Financial page)
- Insure your home, property, or vehicles with DCU Insurance
- Keep $250 or more in a DCU Savings Account, Money Market, Ltd, Certificate, IRA, or other non-checking savings account. Full $250 must be in one savings vehicle.
* This does not include previously opened Advantage Credit Lines.
At DCU, each member's savings is federally insured up to $100,000 by the National Credit Union Administration (NCUA), a U.S. Government agency. Individual Retirement Accounts (IRA) are insured separately up to $250,000 (raised from $100,000 on April 1, 2006).
StreetWise Tip: Click on About NCUA Insurance to learn more about federal insurance on your savings and how to maximize coverage.
Switching your checking account to DCU is easy. Just follow the instructions on our Checking Account Switch Kit and you're on your way.
Not a DCU member yet? Joining is easy and there's no DCU membership fee. Check our Branch/ATM Locator to find your nearest branch, call the Information Center at 508.263.6700 or 800.328.8797, weekdays from 8:00 a.m. to 8:00 p.m. and Saturdays from 9:00 a.m. to 3:00 p.m., Eastern time, or visit our membership page for details.
For more information about the DCU Loyalty Checking benefits or other products and services, visit your nearest branch or call the Information Center at 508.263.6700 or 800.328.8797, weekdays from 8:00 am to 11:00 pm and Saturdays from 9:00 am to 3:00 pm, Eastern time.
Please refer to DCU's Truth-in-Savings Disclosure
and Account Agreements, Schedule of Fees and Service Charges, and Electronic Services Disclosure and Agreements.
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Digital Federal Credit Union
220 Donald Lynch Boulevard PO Box 9130 Marlborough, MA 01752-9130 508.263.6700 • 800.328.8797 |
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© 2008. Digital Federal Credit Union