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Your Free Checking account could earn you more.

Earn 0.25% APY¹ and maintain access to your funds – it’s easy.

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

Earn 0.25% APY1 on checking balances up to and including $100,000.

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 $100,000.00. 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 the Earn More Feature:

  1. Log in to Online or Mobile Banking.
    • In Online Banking: Click Account Manager in the top navigation and choose Earn More.
    • In Mobile Banking: Tap Account Manager > General > Earn More
  2. From the dropdown menu, select the eligible checking account you wish to add the Earn More Feature to.
  3. Click to open and read the Terms & Conditions; these are available to read anytime on dcu.org/earnmore. 
  4. Check the box to agree to the Terms & Conditions and 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. 

Free Checking with Earn More

Activate 0.25% APY¹ today.

Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
Up to and including the first $100,000 0.25% 0.25%
$100,000.01 and above 0.00% 0.25% - 0.03%
Minimum Daily Balance to earn Minimum Daily Balance to earn Dividend Rate Dividend Rate APY¹ APY¹
Up to and including the first $100,000 0.25% 0.25%
$100,000.01 and above 0.00% 0.25% - 0.03%

Rates are effective {currentdate}.

¹APY = Annual Percentage Yield. Rates are variable and may change from time to time and are subject to change weekly. APY range assumes a maximum account balance of $1,000,000.00 and is for illustration purposes only. Interest is compounded and credited monthly. The Earn More Feature is a sweep feature, which means that balances up to the Maximum Program Deposit Amount ($100,000.00) will be automatically swept to FDIC and/or NCUA insured accounts held at participating Receiving Financial Institutions. The Maximum Program Deposit Amount and Receiving Financial Institutions may be changed at any time. To review the list of the current Receiving Financial Institutions and the current Maximum Program Deposit Amount, go to https://www.dcu.org/bank/checking/earn-more-checking.html.

Balances that exceed the Maximum Program Deposit Amount will remain in the DCU Free Checking Account at DCU. The Earn More Feature is activated the first of the month following the month enrollment took place and funds begin to earn interest on the first of the month following enrollment.  The Earn More Feature can only be added to one checking account per membership, excluding HSA Checking accounts. Fees or other conditions may reduce earnings. Please refer to DCU's Free Checking with Earn More Feature Terms and ConditionsAccount Agreement for Consumers, and Schedule of Fees and Service Charges, for additional important information and disclosures.

This DCU Free Checking with Earn More Feature Rate Sheet is incorporated into the DCU Free Checking with Earn More Feature Terms and Conditions. Review the Free Checking with Earn More Feature Terms and Conditions for important information regarding the Free Checking with Earn More Feature.

Current Participating Program Institutions:

RECEIVING FINANCIAL INSTITUTIONS

ALLOCATION

Citibank N.A. Sioux Falls, SD

50%

E*Trade Bank, Arlington, VA

50%