DCU Digital Banking
Start managing your money like a pro. Make transfers, pay bills, manager your accounts, and more.
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Free Checking Account
Take a step towards financial freedom with no minimum balance and no monthly maintenance fees.
If your checking account is at a traditional bank, chance are you’re paying needless fees and excessive surcharges while getting little in return for the minimum balance you’re required to maintain. But at DCU, we do things differently. Starting with the belief that your checking account shouldn’t cost you money.
Benefits
Discover what makes our Free Checking account the best account for you.
- Get your paycheck up to two days early – with a recurring direct deposit of at least $500 of your paycheck, retirement, Social Security, or other recurring monthly income.1
- Up to $300 per year in ATM fee reimbursements – with a recurring direct deposit of at least $500 of income per calendar month with at least 5 qualifying transactions per month.2
- 0.50% discount on most consumer loans – Why pay more when you don’t have to? With direct deposit and electronic loan payments, you’ll get savings that go beyond everyday banking - empowering your journey towards financial growth.2
FREE CHECKING ACCOUNT WITH NO FEES
$0.00
MINIMUM TO OPEN
$0.00
MONTHLY MAINTENANCE FEE
Membership Required
Eligibility by Family Relationship to a Current DCU Member
Relatives of DCU members are eligible to join if they are spouses, domestic partners, children grandchildren, parents, grandparents or siblings (including adoptive in-law, and step relationships).
Eligibility by Company You Work for or Retired From
You currently work for or retired from a company in our list of participating employers.
You have a family relationship (as described above) to a non-member who currently works for or retired from a company or organization in our field of membership.
Eligibility by Organization You Belong To
You currently belong to or join an organization whose members we serve.
You have a family relationship (as described above) to a non-member who belongs to an organization in our list of participating organizations.
Eligibility by Community
You are automatically eligible to join DCU if you live, work, worship, or attend school in one of the communities in our list. Any business or other legal entity located in one of these areas is also automatically eligible to join.
Resources
DCU Mobile Banking
From the DCU Mobile Banking app to voice banking options. Learn how to access your accounts on the go.
Mobile Wallets
Save time with contactless payments and better protect yourself against fraud and identity theft. Add your DCU cards today.
DCU Visa® Debit Card
Use it at the store, the ATM, and to pay bills. Also available to use with Apple Pay®, Google Pay™, and Samsung Wallet*
*Apple and Apple Pay are trademarks of Apple Inc., registered in the U.S. and other countries. Google and Google Pay are trademarks of Google Inc. Samsung, and Samsung Pay are registered trademarks of Samsung Electronics Co., Ltd.
Contact Us
We’d love to hear from you!
Whether you have questions, feedback, or something else you’d like to share, we’re here to listen.
Because at DCU, people come first.
Free Checking Account FAQs
Frequently asked questions and answers to help manage your checking account.
A checking account is a type of deposit account that allows you to deposit and withdraw money easily for daily transactions. These accounts typically come with features like debit cards, online bill pay, mobile banking, and the ability to write checks. They are ideal for managing routine expenses such as groceries, rent, and utilities.
The term "checking account" originates from its traditional use – writing checks. Before the use of debit cards and digital payments, checks were the primary way to make payments directly from a bank account. The name reflects the account’s function of allowing users to “check” funds out of their account to pay for goods and services.
While both savings and checking accounts are used to store money, they serve distinct financial purposes.
Checking accounts are designed for everyday spending – offering easy access to funds through debit cards, checks, and digital payments. While a savings account is intended to grow your money by earning dividends over time – though it often comes with certain transaction limits.
Why it pays to save with DCU
Bank from Anywhere
Experience the convenience of nationwide coverage – with 23 New England-based branches, 5,900+ co-op shared branches, and 80k+ surcharge-free ATMs.
No Monthly Maintenance Fees
No monthly maintenance fees. Because saving money shouldn’t cost you money.
Big Earnings, Lower Rates
As a member-owned credit union, DCU puts profits where they belong – in your pocket. That means higher returns on savings and lower costs on loans.
The Power of Banking That Works for You
Membership Required. Digital Federal Credit Union members are eligible for the greenlight SELECT plan at no cost when they connect their Digital Federal Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, members will be responsible for associated monthly fees. See terms for details. Offer ends 11/12/2026. Offer subject to change and partner participation.
At DCU, we do things differently. Starting with an actually free checking account and savings accounts that help you reach your goals.
This short video will help you gain a deeper understanding of our Free Checking, Primary Savings, and Advantage Savings accounts – all designed to help you keep more of your money (and watch it grow).
Membership Benefit Levels
While every member has access to most of our great benefits, the more a member does with DCU, the more those benefits multiply. Check out the information below for a detailed description of benefits by level.
Every member enjoys these benefits automatically.
- No minimum balances or monthly maintenance fees
- FREE use of DCU Digital Banking – carrier data and message rates may apply
- FREE DCU Visa® Debit Card with EMV chip – upon approval
- And more
Enjoy all the Basic Member Benefits plus the following.
- Paid up to two days early with Direct Deposit.
- Up to $10 per month ($120 per year) in reimbursements for ATM fees charged by other institutions.
- 0.50% discount on most consumer loans, when the loan is paid with electronic payment.
¹How to Qualify: Add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, Social Security, or other monthly income) to your checking account, excluding HSA Checking Accounts. Social Security is exempt from the $500 per calendar month minimum. If at any time you fail to maintain these qualifications, your benefit level will be automatically adjusted without notice and you will no longer be eligible to receive the associated benefits.
Enjoy all the Plus Member Benefits and the following.
- Up to $25 per month ($300 per year) in reimbursements for ATM fees charged by other institutions.
- FREE DCU Custom-style checks (60/year).
²How to Qualify: Add and maintain direct deposit of at least $500 per calendar month (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, Social Security, or other monthly income) to your checking account, excluding HSA Checking Account AND make at least 5 transactions per month (qualifying transaction types include debit and/or credit card transactions, ACH transfers, Point of Sale (POS) transactions, bill pay payments, balance transfers to your DCU Visa Credit Card, and Pay a Person transactions that post and clear your account within the same calendar month). Social Security is exempt from the $500 per calendar month minimum. If at any time you fail to maintain these qualifications, your benefit level will be automatically adjusted without notice and you will no longer be eligible to receive the associated benefits.
APY = Annual Percentage Yield. No minimum balance required to open. Rates are variable and may change after the account is opened at any time at DCU’s discretion. Fees may reduce earnings on the account. Other conditions may apply. Please refer to DCU's Account Agreement for Consumers, and Schedule of Fees and Service Charges, for important information and disclosures.
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Primary Savings
As High As
5.00%
APY
On Balances Up to and including $1,000.
Auto Refinance
As Low As
4.99%
APR
Rate is subject to change after consummation.
Personal Loans
As Low As
11.99%
APR
Rate is subject to change after consummation.
853 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
ABA Routing Number: 211391825
NMLS# 466914
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Federally insured by NCUA
