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Free Checking

We were just named Newsweek’s

Best Traditional Checking Account (Credit Union).

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
0.25% APY*
RATINGS
5 5 / 5 stars

ON BALANCES UP TO AND INCLUDING

$100,000.00 WITH EARN MORE ACTIVATED

MINIMUM TO OPEN

$0.00

MONTHLY MAINTENANCE FEE

$0.00

Get the most out of your Free Checking account

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. You’ll earn 0.25% APY* on balances up to and including $100,0001.

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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

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.1

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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.

earnmore-icon

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. You’ll earn 0.50% APY* on balances up to and including $100,000,1 – that’s 10x the national average3.

2daysearly-icon

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.

atmreimburse-icon

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

discount-icon

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. 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, click here. Rates effective
 
1 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 Conditions, Account Agreement for Consumers, and Schedule of Fees and Service Charges for additional important information and disclosures. You will still have access to your checking account funds.
 
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 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.

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 - Methuen, MA; Dickersam - Troy, NY

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