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Personal and Business Banking


Checking

Stop paying big bank fees. Save hundreds with a DCU checking account

To the Online Banking Login

Compare Free Checking Dividend Checking
  • No minimum balance and no monthly maintenance fees
  • Earn free automatic upgrades to your benefits with qualifying services
  • Competitive dividends (interest)
  • Earn free automatic upgrades to your benefits with qualifying services
Ratings and Reviews 4.6 of 5 stars

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4.3 of 5 stars

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Member Benefits
  • Visa®debit card
  • Free online, mobile, and branch access
  • Get your pay up to 2 days early with recurring direct deposit
  • Unlimited check writing
  • Free online Bill Payer
  • Free DCU ATMs
  • FICO® credit score
Plus Benefits
  • Free use of non-DCU ATMs
  • 1/2% consumer loan rate discount with electronic payment
  • Up to $10/month in non-DCU ATM surcharge reimbursements
Automatic upgrade from Member benefits with recurring Direct deposit of your net pay, Social Security, or pension to your DCU checking account. Automatic upgrade from Member benefits with recurring Direct deposit of your net pay, Social Security, or pension to your DCU checking account.
Relationship Benefits
  • 120 Free DCU checks each year
  • 1/2% consumer loan rate discount with electronic payment
  • Up to $25/month in non-DCU ATM surcharge reimbursements
Automatic upgrade from Member benefits with recurring Direct deposit of your net pay, Social Security, or pension to your DCU checking account and make at least five payments* per month. Automatic upgrade from Member benefits with recurring Direct deposit of your net pay, Social Security, or pension to your DCU checking account and make at least five payments* per month.
Optional overdraft protection ✔ 
Today's Annual Percentage Yield (APY)   0.05%
Minimum daily balance to avoid monthly fee   $2,500
Monthly Fees None None if maintain minimum daily balance of $2,500. Otherwise monthly fee is $10 per month.
Online and mobile account access
Federally Insured
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*Payments include credit and debit card transactions, bill payments, balance transfers, and P2P payments.