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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 (data rates may apply)
FREE DCU ATM access.
FREE eStatements.
Optional Overdraft protection.
5 5 / 5 stars



Get the most out of your account 

  • Level 1

    Member Benefits

    Everyone enjoys these
    benefits automatically.


    • FREE use of 35+ DCU ATMs
    • LOW $0.75 DCU transaction fee for transactions conducted at non-DCU ATMs


    • Online/mobile banking & bill pay
    • 22 DCU branches in MA/NH
    • 5,600 Shared branches nationally

    Visa® Debit Card*

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

    *Upon Approval

  • Level 2

    Plus Benefits^

    Enjoy all of the Member
    Benefits PLUS...

    • $0.75 DCU transaction fee for transactions conducted at non-DCU ATMs are waived.
    • 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 Truth-in-Savings Disclosure and Account AgreementsSchedule of Fees and Service Charges, and Electronic Services Disclosure and Agreements 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)