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 $1,000. Eligible balances are automatically swept out to FDIC and/or NCUA insured accounts held at participating financial institutions throughout the country.
Please refer to DCU's Earn More Feature Terms and Conditions for additional information.
To activate Earn More, log into Digital Banking and follow these steps:
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.
Save, spend, and earn in one account.
|Minimum Daily Balance to earn||Dividend Rate||APY¹|
|Up to and including the first $1,000||0.20%||0.20%|
|1,000.01 and above||0.00%||0.20%-0.000%|
¹APY = Annual Percentage Yield. Rates are variable and may change after the account is opened at any time at DCU’s discretion. APY range assumes a maximum account balance of $1,000,000.00 and is for illustration purposes only. Fees may reduce earnings. Other conditions may apply.
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. The Earn More Feature is a sweep feature, which means that balances up to the Maximum Program Deposit Amount ($1,000.00) will be automatically swept to FDIC and/or NCUA insured accounts held at participating Receiving Financial Institutions. Access to your checking account funds remains the same. Balances that exceed the Maximum Program Deposit Amount will remain in the DCU Free Checking Account at DCU. 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, click here. Please refer to DCU's Free Checking with Earn More Feature Terms and Conditions, Account 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.
|RECEIVING FINANCIAL INSTITUTIONS||ALLOCATION|
|GreenState Credit Union||100%|