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No traditional bank fees. Just a better way to manage your money. 

Take a step towards financial freedom with a truly free checking account.  

ALREADY A DCU MEMBER?

Open additional products by logging into your Digital Banking account.

NOT YET A DCU MEMBER?

Join today to get this exclusive benefit. 

Leave traditional bank fees behind with a Free Checking account. 

Needless fees, excessive surcharges, and minimum balances? Not here. Because your checking account shouldn’t cost you money. Discover what makes Free Checking with DCU unique.  

Why it pays to save with DCU

Bank from Anywhere

Experience the convenience of nationwide coverage – with 23 New England-based branches, 5,900+ co-op shared branches, and 80k+ surcharge-free ATMs.

No Monthly Maintenance Fees

No monthly maintenance fees. Because saving money shouldn’t cost you money. 

Big Earnings, Lower Rates

As a member-owned credit union, DCU puts profits where they belong – in your pocket. That means higher returns on savings and lower costs on loans. 

 

¹ 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 AND make at least 5 transactions each 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. DCU will reimburse up to $25 a month in ATM fees charged by other institutions for use of their ATM (also known as 'surcharges'). 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.

² 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 and pay your loan electronically. 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.

³ Digital Federal Credit Union members are eligible for the Greenlight SELECT plan at no cost when they connect their Digital Federal Credit Union account as the Greenlight funding source for the entirety of the promotion. Subject to minimum balance requirements and identity verification. Upgrades will result in additional fees. Upon termination of promotion, customers will be responsible for associated monthly fees. See terms for details. Offer ends 11/12/2026. Offer subject to change and partner participation.