DCU Routing Number: 211391825
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Free Checking Account
No minimum balance and no monthly maintenance fees.
At a Glance
If your checking account is at a big bank, chances are you're paying needless fees or getting little in return for the huge minimum balance you're required to maintain. But, with a Free Checking account from DCU, things are more than a little different.
Every Free Checking 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 Digital Banking - carrier data and message rates may apply.
- FREE DCU Visa® Debit Card with EMV chip - upon approval.
- FREE eStatements, account alerts and notifications
FREE CHECKING ACCOUNT WITH NO FEES
MINIMUM TO OPEN
MONTHLY MAINTENANCE FEE
Membership Required
1. 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).
2. 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.
3. 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.
4. 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.
Get the most out of your Free Checking account
Spend and earn in one account
Wouldn’t it be great if your money worked for you? With the Earn More feature on your Free Checking account, it can.
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 early1.
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. We’ll reimburse you up to $300 per year in ATM fees charged by other institutions. All you need to do is add direct deposit of recurring income of at least $500 per calendar month and make at least 5 qualifying transactions per month.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.2
Resources
DCU Online Banking
Start managing your money like a pro. Make transfers, pay bills, manager your accounts, and more.
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 Pay.*
*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.
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 Digital 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 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:
- Up to $25 per month ($300 per year) in reimbursements for ATM fees charged by other institutions.
- FREE DCU Custom-style checks (60/year).
How 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.
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Primary Savings
As High As
On Balances Up to and including $1,000.
Auto Refinance
As Low As
Rate is subject to change after consummation.
Personal Loans
As Low As
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
