What Can DCU Save You?

Checking

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

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

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Basic 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
  • Up to $5/month in non-DCU ATM surcharge reimbursements
Automatic upgrade from basic benefits with any two qualifying services* Automatic upgrade from basic benefits with any two qualifying services*
Relationship Benefits
  • 120 Free DCU checks each year
  • 1/2% consumer loan rate discount with electronic payment
  • 1/4% rate bonus on regular certificate accounts
Automatic upgrade from basic benefits with all three qualifying services* Automatic upgrade from basic benefits with all three qualifying services*
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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* Qualifying services include:
  1. Recurring Direct deposit of your net pay, Social Security, or pension to your DCU checking account.
  2. Receive all your DCU monthly account and loan statements electronically.
  3. Have an active loan with DCU (e.g. Visa credit card, auto loan, mortgage, equity loan).