Your Free Checking account could earn you more.

It’s your money – let us help it grow.

Earn 0.20% APY¹ on checking balances up to and including $30,000.

DCU’s Free Checking with the Earn More Feature enables you to earn while maintaining access to your funds. Earn More is a sweep feature that can be activated on your DCU Free Checking or Dividend Checking Account. The Earn More Feature enables you to earn on your checking account on balances up to and including $30,000.00. Eligible balances are automatically swept out to FDIC and/or NCUA insured accounts held at participating financial institutions throughout the country.

What Rate Will I Get? 

• The Earn More Feature has a variable rate.
• Funds begin to earn on the first of the month following enrollment.  
• Accrued interest is forfeited for the month if the account is closed or the Earn More Feature is deactivated prior to monthly interest posting. Fees or other conditions may reduce earnings.

Please refer to DCU's Earn More Feature Terms and Conditions for additional information.       

How Do I Activate the Earn More Feature on my Checking Account?    

To activate Earn More, log into Digital Banking and follow these steps:

1. Go to the Accounts tab.
2. Click or tap on the Checking account you want to enroll
   • In Desktop: Click the “Manage” button > Select “Earn More” from the drop down
   • In Mobile: Go to Account Services at the bottom of the screen > Tap “Earn More” from the side-scrolling menu
3. Select the account you wish to activate from the drop-down menu
4. Click to open and read the Terms & Conditions. 
5. Check the box to agree to the Terms & Conditions and click or tap ACTIVATE to submit your request.

Your Earn More Feature will remain in a pending state until the first business day of the following month, at which point the feature will become active. Please note that the Earn More feature can be added to one checking account per DCU Membership.