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Free Checking

Free Checking

Free Checking

An account that helps you spend, earn and save, so you can focus on doing more of what you love

 

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Did you know? UNLIMITED ATM FEE REIMBURSEMENTS We don't charge you for accessing your cash – in fact, we'll even help you out when others do charge you. As a temporary benefit, DCU will reimburse all ATM fees charged by other institutions for each of our members on a monthly basis, until further notice. Learn More

 

At a Glance

If your checking account is at a big bank, chances are you're paying big fees or getting little in return for the huge minimum balance you're required to maintain. But, if you're using a Free Checking account from DCU, things are more than a little different.

Every account includes:

No minimum balance and no monthly maintenance fees
FREE use of 23 DCU Branches in MA/NH - and more than 5,900 shared branches nationwide
FREE use of 35+ DCU ATMs in MA/NH - and more than 80,000 surcharge-free non-DCU ATMs nationwide.
FREE use of DCU Online & Mobile Banking - carrier data and message rates may apply
FREE DCU Visa® Debit Card with EMV chip - upon approval
FREE eStatements, account alerts and notifications
AS HIGH AS
0.50% APY*
RATINGS
5 5 / 5 stars

ON BALANCES UP TO AND INCLUDING

$25,000.00 WITH EARN MORE ACTIVATED

MINIMUM TO OPEN

$0.00

MONTHLY MAINTENANCE FEE

$0.00

Get the most out of your Free Checking account

Cash shouldn't cost you cash

We don't charge you for accessing your cash - in fact, we'll even help you out when others do charge you. Add direct deposit and make at least 5 transactions per month and we’ll reimburse up to $300 per year in ATM fees charged by other institutions.2

Payday doesn't have to wait

Nobody likes to wait until payday and at DCU you may not have to. Simply set up recurring direct deposit of your paycheck, Social Security or pension and you could see your money in your account up to two days early.

Spend and earn in one account

Your money should be working for you, not costing you. Activate the Earn More feature on your Free Checking account and you’ll earn 0.50% APY* on balances up to and including $25,000.1

Savings that go beyond your account

When you use a DCU Free Checking account, we don’t just help you save money on your everyday banking. Add direct deposit and make your loan payments electronically and you'll receive a 0.50% discount on most consumer loans.

Spend and earn in one account

Your money should be working for you, not costing you. Activate the Earn More feature on your Free Checking account and you’ll earn 0.50% APY* on balances up to and including $25,000.

Payday doesn't have to wait

Nobody likes to wait until payday and at DCU you may not have to. Simply set up recurring direct deposit of your paycheck, Social Security or pension and you could see your money in your account up to two days early.

Cash shouldn't cost you cash

Not only do we not charge you for accessing your cash – we help you out when others do. Add direct deposit and make at least 5 transactions per month and we’ll reimburse up to $300 per year in ATM fees charged by other institutions.2

Savings that go beyond your account

When you use a DCU Free Checking account, we don’t just help you save money on your everyday banking. Add direct deposit and make your loan payments electronically and you’ll receive a 0.50% discount on most consumer loans.

*APY = Annual Percentage Yield. An interest rate of 0.50% will be paid on your daily balance up to and including $25,00.00. Balance over $25,000.00 will not earn interest. APY will range from 0.50% to  0.01% depending on the total account balance. For example, a balance of $25,00.00 will earn an APY of 0.50% while a balance of $1,000,000.00 will earn an APY of 0.01%. The rate may change from time to time after the Earn More feature is added to an account. Funds earn interest from the first of the month in which feature is activated. Feature becomes activated the first of the month following the month enrollment took place. Interest is calculated daily and posted monthly. Accrued interest not yet posted is forfeited if the account is closed or the Earn More feature is deactivated prior to monthly interest posting. Fees or other conditions may reduce earnings. Rate is accurate as of April 1, 2020. 
 
Since Earn More is a sweep feature, eligible balances are automatically swept out to interest-bearing FDIC insured deposit accounts held at participating institutions throughout the country.  You will still have normal access to your checking account funds. Please refer to DCU's Earn More feature Terms and Conditions for additional terms and conditions. 
 
2 How to Qualify: Add and maintain direct deposit (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, Social Security, or other recurring monthly income) AND make at least 5 transactions each month (qualifying transaction types include debit and/or credit card transactions, bill payments, balance transfers, or P2P transfers that clear your account within the same month). 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. DCU will reimburse up to $25 a month in ATM fees charged by other institutions for use of their ATM (also known as 'surcharges').
 
Please refer to DCU's Account Agreement for Consumers and Schedule of Fees and Service Charges for important information and disclosures. 

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 23 DCU Branches in MA/NH - and more than 5,900 shared branches nationwide
  • FREE use of 35+ DCU ATMs in MA/NH - and more than 80,000 surcharge-free non-DCU ATMs nationwide.
  • FREE use of DCU Online & Mobile Banking - carrier data and message rates may apply
  • FREE DCU Visa® Debit Card with EMV chip - upon approval
  • FREE eStatements, account alerts and notifications

Enjoy all the Basic Member Benefits plus:

  • 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.

How to Qualify: Add and maintain direct deposit (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, Social Security, or other recurring monthly income). 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:

  • Up to $25 per month ($300 per year) in reimbursements for ATM fees charged by other institutions.
  • FREE DCU Custom-style checks (100/year)

How to Qualify: Add and maintain direct deposit (qualifying direct deposit is a recurring electronic credit of your payroll, retirement, Social Security, or other recurring monthly income) AND make at least 5 transactions per month (qualifying transaction types include debit and/or credit card transactions, bill payments, balance transfers, or P2P transfers). 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.

What Our Members Are Saying

Best Banking Experience

RATINGS 5 5 / 5 stars

Within a few months of doing business with them, I moved all of my accounts over to DCU and have never regretted it. The fact that I get paid a couple days early is just a bonus.

IslandGurl - Manchester, NH

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It's Free

RATINGS 5 5 / 5 stars

There are no hidden fees, no minimum balances to maintain. Most banks have fees associated to having a checking account, whether it be monthly fees or daily fees. DCU's checking accounts are just free all around.

Gordo - Worcester, MA

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No Fees

RATINGS 5 5 / 5 stars

DCU Free Checking is everything one could want from a checking account. No fees, and lots of helpful features at no additional cost. Plus, ACH transactions happen much faster through DCU than most other financial institutions.

Justin257 - Metheun, MA; Dickersam - Troy, NY

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