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Free Checking

Free Checking

Free Checking

Stop paying big bank fees - Free Checking can help you save.

At a Glance

If your checking account is at a bank, chances are you're paying big fees or getting little for the huge minimum balance you're forced to keep. Take a close look at your statement. You're in for a shock. Do they really want your business?

Member Benefits

No minimum balances - and no monthly maintenance fees.
DCU Visa® Debit Card - Upon Approval
Unlimited check writing.
FREE Online & Mobile Banking (Carrier data and message rates may apply)
FREE DCU ATM access - and more than 80,000 surcharge-free non-DCU ATMs nationwide.
FREE eStatements.
5 5 / 5 stars



DCU offers ClickSWITCH to ease the process of switching direct deposit and recurring payments. Also, the Earn More feature can be activated to earn interest on a portion of your checking account balance. 

Get the most out of your account 

  • Level 1

    Member Benefits

    Everyone enjoys these
    benefits automatically.


    • FREE use of 35+ DCU ATMs
    • Access to over 80,000 surcharge-free non-DCU ATMs nationwide    


    • Online/mobile banking & bill pay
    • 22 DCU branches in MA/NH
    • 5,900 Shared branches nationally

    Visa® Debit Card*

    • EMV chip-enabled Visa® Debit Card
    • Apple Pay, Samsung Pay, & Google Pay Compatibility
    • FREE Visa®  Checkout

    *Upon Approval

  • Level 2

    Plus Benefits^

    Enjoy all of the Member
    Benefits PLUS...

    • Get paid up to two days early with Direct Deposit
    • Up to $10 per month in reimbursements of ATM surcharges from other institutions
    • 0.50% discount on most consumer loans with electronic payment

    How to Qualify:

    Maintain Direct Deposit of net pay, Social Security, or pension into this account

  • Most Benefits

    Level 3

    Relationship Benefits^

    Enjoy all of the Level 1 and 2
    Benefits AND...

    • FREE DCU Custom-style checks (100/year)
    • Up to $25 per month in ATM fee reimbursements of ATM surcharges from other institutions

    How to Qualify:

    Maintain Direct Deposit of net pay, Social Security, or pension into this account


    Make at least 5 payments per month.

    Payments include debit and/or credit card transactions, bill payments, balance transfers, or P2P transfers.

^If at any time you fail to maintain either Checking Plus and/or Relationship benefits status (as defined by DCU), your benefits level will be automatically adjusted without notice.

Please refer to DCU's Account Agreement for Consumers and Schedule of Fees and Service Charges for important information and disclosures.

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


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


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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Online Live Help Hours

MON-FRI: 8:00 AM to 9:00 PM (EST)
SAT: 9:00 AM to 3:00 PM (EST)