Prime Advantage
Helping you take advantage of your financial freedom
If you're in your peak earning years, contemplating retirement, or already retired, DCU's Prime Advantage has all the checking benefits you need – plus a few extras.
If your current 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? When you swap your old checking account for a Prime Advantage account, you could save hundreds of dollars a year in fees.
When you choose the free checking option, Prime Advantage has are no monthly service fees and no minimum balances. Plus it's loaded with great benefits and free services banks love to charge for. And, if you want, you can substitute DCU Dividend Checking or DCU Premier Checking upon request. Each has a minimum balance requirement and the opportunity to earn competitive dividends.
To take advantage of Prime Advantage benefits, you'll need to set up direct deposit of your Social Security, pension, or net pay into your Prime Advantage checking account. See below for information on setting up direct deposit.
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.
 What is
StreetWise?
The StreetWise Consumer Education Program is our way to provide you unbiased consumer information you need to make informed choices and save money. DCU's Vision is that all members achieve financial well being. Education is the foundation.
Visit our StreetWise web site for a wealth of information on auto buying, credit, using financial services, privacy protection, fraud prevention, and a financial glossary.
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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.
DCU's Free Checking, Dividend Checking, and Premier Checking already give you exceptional value, including the benefits listed above. 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.
Your DCU Check Card is your ATM card and an easy way to shop without the hassle of check acceptance. Use your DCU Visa® Check Card at millions of locations worldwide. Use it at ATMs and for purchases at electronic POS terminals displaying any of these ATM network names... NYCE®, Exchange®, Cirrus®, CU24SM, STAR®, CO-OP NetworkSM, or SUMSM.
Use it Free at all DCU ATMs for withdrawals, transfers, deposits, loan payments, and balance inquiries. All transactions are Free at non-DCU ATMs when you direct deposit your net pay, Social Security, or pension to your DCU Checking Account. Otherwise, you get 4 Free withdrawals at non-DCU ATMs each month. Deposits are always free. Balance inquiries and additional withdrawals are $1.
Some institutions may charge you extra to use their ATMs. To avoid surcharges, use a different ATM, make purchases with your Check Card instead of cash. DCU reimburses up to $5 per month in surcharges if you direct deposit your net pay, Social Security, or pension to your DCU Checking Account.
StreetWise Tip: A guide on debit and ATM cards is available on our web site. Use About Debit Cards, ATM Cards, and ATMs.
The convenience of a fully automated travel reservation service is at your fingertips the minute you dial our Bonus Travel toll-free number. You may book travel reservations through this service 24-hours a day every day of the year, and you may be eligible for...
- 3% Cash Bonus on all scheduled airline tickets. Special Note – The 3% cash-back bonus is in addition to the money you save through the "Best Fare Search" reservation system.
- 3% Cash Bonus on the cost of lodging at participating hotels worldwide, including Quality Inn, Comfort Inn, Radisson, Wyndham, and thousands more.
- 3% Cash Bonus on any car rental from any licensed national car rental company worldwide including Hertz, Alamo, Avis and National.
- Up to 15% Extra Discount on many hotel and motel stays. Ask your Travel Consultant to tell you which chains participate.
- 3% Cash Bonus when you take any cruise or tour including Hawaii, the Caribbean, Mexico, etc.
Here's how it works
All reservations and purchase of airline tickets must be made by calling the Bonus Travel toll-free number, 800.545.3341. Be sure to give your Travel ID number 6934 to the agent. Then, when you return from your trip, send the following documentation with your Cash Bonus application...
All reservations and purchase of airline tickets must be made by calling the Bonus Travel toll-free number, 800.545.3341. Be sure to give your Travel ID number 6934 to the agent. Then, when you return from your trip, send the following documentation with your Cash Bonus application...
- Your passenger coupon and validated boarding pass stub or ticket jacket;
- Your hotel receipt, plus a copy of your credit card receipt;
- Your car rental contract or statement, and a copy of your credit card receipt;
- Your name and return address. Send documentation and Cash Bonus* application to:
Credit Union Bonus Travel Program
P.O. Box 85593
Richmond, VA 23285-5593
The Cash Bonus Application must be received within 90 days of the last day of your stay or of your scheduled auto or air travel. You will receive a check for the special Cash Bonus by return mail. For questions related to your Cash Bonus, call 800.344.1426.
*Exceptions to the Cash Bonus are conventions, conference accommodations, charter travel, other special rate groups, and government contract rates. Only Bonus Travel members and their immediate family members residing in the same household are eligible to receive a Cash Bonus. Taxes, gratuities, phone, meals, tips and other charges not booked through the Bonus Travel Center are not eligible for a Cash Bonus. Certain other restrictions do apply. All travel service is provided by CUC Travel Services, Inc.
Get Free access to your accounts via your PC or Macintosh with PC Branch. See your balances and account history, make transfers between your accounts and to other members' accounts, download account information to popular financial software, see and print pictures of your cleared checks, and much more. Bill payment is free – save postage with every bill you pay.
With Easy Touch Telephone Teller you have access via touch-tone phone for transfers, inquiries, loan payments, loan information, withdrawals by check, and more.
At DCU, each member's savings is federally insured up to $250,000 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.
Establishing Direct Deposit of your Social Security, net pay, or pension to a DCU Checking Account is easy. If you already have a DCU Checking Account, simply download a DCU Checking Account Switch Kit to establish direct deposit of your net pay or pension. For direct deposit of your Social Security download a Direct Deposit of Federal Recurring Payments form. To open a DCU Checking Account, just download our Checking and Savings Application.
If, you've already established direct deposit to an existing DCU Checking Account, simply send us an email telling us you want to become a Prime Advantage Member. Remember to include your Member Number in the email.
Not a DCU member yet? Joining is easy and there's no DCU membership fee. Check our branch listing 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 Prime Advantage 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 a.m. to 8:00 p.m. and Saturdays from 9:00 a.m. to 3:00 p.m., Eastern time.
Please refer to DCU's Truth-in-Savings Disclosure and Account Agreements, Schedule of Fees and Service Charges, Electronic Services Disclosure and Agreements, and our Rate Information sheet for complete terms and current dividends.
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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