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Personal and Business Banking

DCU Checking Account Options

Compare Checking


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

Account Overview 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
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Rating
by DCU Members
4.6 of 5 stars

4.7 out of 5 stars

read reviews

4.3 of 5 stars

4.2 out of 5 stars

read reviews

Member Benefits
  • Visa® Debit Card1
  • Free online, mobile, and branch access
  • Unlimited check writing
  • Free online Bill Payer
  • Free DCU ATMs
  • FICO® credit score2
Plus Benefits
  • All Member Benefits
  • Get paid up to 2 days early with recurring direct deposit
  • Up to $10/month in non-DCU ATM surcharge reimbursements
  • Free use of non-DCU ATMs
  • 1/2% consumer loan rate discount with electronic payment
Maintain Direct Deposit of net pay, Social Security, or pension into this account Maintain Direct Deposit of net pay, Social Security, or pension into this account
Relationship Benefits
  • All Member and Plus Benefits
  • 120 Free DCU checks each year
  • Up to $25/month in non-DCU ATM surcharge reimbursements
Maintain Direct Deposit of net pay, Social Security, or pension into this account.
and
Make at least 5 payments per month. Payments include debit and/or credit card transactions, bill payments, balance transfers, or P2P transfers.
Maintain Direct Deposit of net pay, Social Security, or pension into this account.
and
Make at least 5 payments per month. Payments include debit and/or credit card transactions, bill payments, balance transfers, or P2P transfers.
Optional overdraft protection
Today's APY3 N/A 0.05%
Minimum daily balance to avoid monthly fee - $2,500
Monthly fees - None if you maintain minimum daily balance of $2,500. Otherwise $10 per month.

Rates are effective .

1 - Upon approval.

2 - The FICO Score provided under the offer described here uses a proprietary credit model designed by FICO. There are numerous other credit scores and models in the marketplace, including different FICO Scores. Please keep in mind third parties may use a different credit score when evaluating your creditworthiness. Also, third parties will take into consideration items other than your credit score or information found in your credit file, such as your income.

3 - APY = Annual Percentage Yield. Rates may change after the account is opened and are subject to change weekly.

One Primary Savings account per person Additional memberships receive one Savings Account. Rates may change after the account is opened and are subject to change weekly. Funds earn dividends from the first business day of deposit and are compounded daily and posted monthly. Accrued dividends are forfeited if account is closed prior to monthly dividend posting. Fees or other conditions may reduce earnings on these accounts. Please refer to DCU's Truth-in-Savings Disclosure and Account Agreements, Schedule of Fees and Service Charges, and Electronic Services Disclosure and Agreements for important information and disclosures.