DCU Debit Card Benefits  

The DCU Debit Card is your debit card for shopping and your ATM card for cash. 

• Available with your DCU Checking Account – Open a DCU Checking Account to have a DCU Debit Card (age 15 or older).
• Shop at millions of retailers – Use it anywhere Visa is accepted!
• Pay bills wherever Visa is accepted – Billers that accept credit cards for payment will also accept your DCU Debit Card.
• Compatible with Apple Pay, Google Pay, and Samsung Pay – Enjoy all the benefits of your DCU Debit Card using your mobile device to pay at millions of stores and within apps. Learn More
• Purchase information shows on your statement and Online Banking – The name of the vendor you paid with your DCU Debit Card shows with each transaction.
• Use it at a DCU ATM for cash, deposits, or transfers for FREE – At non-DCU ATMs, use it to make withdrawals, deposits, transfers, and inquiries on your DCU Checking Account and Savings Account.*
• Buy online easily and safely with Visa Checkout – Learn more
• Embedded EMV chip to protect your information – DCU Debit Cards now come with chip technology built right in. This tiny chip protects your information in a big way.

More on Purchases with your DCU Debit Card  

Use your DCU Debit Card to buy anything at millions of locations worldwide wherever Visa is accepted.

The DCU Debit Card is accepted at ATMs and POS terminals displaying any of these logos:

• Cirrus^®
• CO-OP℠
• Visa^®
• SUM℠
• NYCE^®

Many ATMs accept deposits. See DCU ATM Locations to find the deposit-accepting ATM closest to you.

If you are traveling internationally with your DCU Debit Card – To protect your account and minimize fraudulent activity, we work closely with Visa to monitor current fraud patterns. If you are traveling abroad and plan on using your DCU Visa or Debit Card, you can notify us by by utilizing Travel Notifications on DCU Online Banking Account Manager or call 508.263.6700 or 800.328.8797, to speak with a Member Service Representative regarding your upcoming international travel plans.

*Balance inquiries and withdrawals are $0.75 each at non-DCU ATMs (where accepted), and free with Plus or Relationship benefits on your DCU Checking Account. You will also receive up to $10 per month in non-DCU ATM surcharge reimbursements for Plus Benefits and up to $25 per month in non-DCU ATM surcharge reimbursements for Relationship Benefits. Deposits are always FREE at qualified Deposit-Taking Network ATMs, check at the DCU ATM Locations link above. Some institutions may surcharge you if you use their ATMs. Avoid these surcharges by not using these machines. ATMs must be identified with signs or screens disclosing surcharges. All SUM ATMs in Massachusetts and most CO-OP ATMs nationwide have no surcharges.

Debit Card Fees Overview

*Free with Plus or Relationship Benefits level. Some institutions may surcharge you for using their ATM's. With Plus or Relationship Benefits level, DCU will reimburse you up to $10 per month in non-DCU ATM surcharges for Plus Benefits or up to $25 per month in non-DCU ATM surcharges for Relationship Benefits. Surcharges are those fees that are charged by the institution that owns the ATM.

For a printable list of all of DCU’s fees and service charges in a pdf format, please see Schedule of Fees and Service Charges.

Easy Ways To Apply Today

1. Apply Online – If you don't have a DCU Checking Account yet, apply for the DCU Debit Card when you apply for a Checking and Savings Account
2. Apply By Mail – Fill out a paper application for a Checking or Savings Account.
3. Apply in Person – Visit a DCU branch close to you.

Resources

• ATM Locations – Find all DCU ATMs and get links to network ATMs.
• Online Checking Application –  Use to open a new DCU Checking Account with a DCU Debit Card. 
• Mobile Wallets – Enjoy all the benefits of your DCU Debit and Credit cards using Apple Pay, Google Pay, or Samsung Pay. It’s the easy, secure, and private way to pay with a simple touch.
• Electronic Services Disclosure –  This covers disclosures related to DCU electronic services such as Debit Cards, ATM Cards, Online Banking, and Easy Touch Telephone Teller system.
• Schedule of Fees and Service Charges
• Funds Availability Policy –  This covers DCU's policies regarding holds on deposits.
• DCU Checking Accounts – Information on our Checking Accounts and how you can earn extra benefits.
• Truth-in-Savings Disclosure –  Covers disclosures related to all DCU savings and checking accounts. DCU's Funds Availability Policies are also covered here.
• StreetWise Guide to Debit and ATM Card Security