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Personal and Business Banking

DCU Dividend Checking Account

Dividend Checking


Earn competitive dividends on
your entire daily balance.

DCU Dividend Checking is an interest-bearing checking account that has three levels of benefits. Everyone enjoys the first level of great benefits, but by taking advantage of recurring Direct Deposit and making purchases or payments, you can earn more benefits that can save you money.

It’s that simple.

Open Now ›

Get the most out of your Checking Account:

Level 1:


Member Benefits

Everyone enjoys these
benefits automatically.

NATIONWIDE ATM ACCESS

  • FREE use of 100+ DCU ATMs
  • FREE use of 30,000+ CO-OP ATMs
  • LOW $1.50 fee on non-DCU ATMs

BANK ANYWHERE

  • 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...

  • FREE use of non-DCU ATMs
  • Get paid early with direct deposit
  • Up to $10 per month in non-DCU ATM surcharge reimbursements
  • Special .50% consumer loan rate discount with electronic payment from a DCU account

How to Qualify:

Maintain Direct Deposit of net pay, Social Security, or pension into this account

Rates & Fees



Minimum Daily Balance

to avoid a $10 monthly fee

$2,500

Monthly Fee

if daily balance falls below $2,500

$10

Dividend Rate

 

0.05%

Annual Percentage Yield*

 

0.05%

Rates are effective .

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.

*Annual Percentage Yield (APY) is a figure calculated using a federally-mandated formula. It's designed to help you compare the return you'll get in a uniform way between the certificate, savings, and money market accounts offered at various institutions. It tells you at what percentage your money will grow in one year at the same dividend rate – including the effects of compounding. For example, the APY on a savings account would be what you earned at the end of a year if you made a deposit on the first day of the year, did not add to or subtract from the balance along the way, nor withdrew any dividends.

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.


DCU Members rated DCU Dividend Checking 4.2 out of 5 stars 4.8 out of 5 stars filled

What our Members are saying...

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    Great Product!

    This product has a host of features that are more valuable than the same product from other banks. To start with, no monthly fees and no minimum dollar amount. Refund on ATM charges plus the value of building a relationship with a great and reputable credit union. I am extremely happy!

    ~ Henry J.
    Marlborough, MA

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    Fast, efficient service, and great communication

    From the beginning, DCU has been a wonderful experience. From the first member service rep to my current Loan Processor, everyone has been very knowledgeable, helpful and fast. Happy employees make for happy customers!! 100% satisfied. Wish I had joined DCU years ago!!!

    ~ Jerry
    Meredith, NH

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    There are no negatives

    We have been members of DCU for many years and have enjoyed the relationship the whole time. Features have been added that improve the products. We appreciate the dividend, another great add on.

    ~ Patti42
    Pocasset, MA

Previous videos Next videos
Dividend Checking is rated 4.3 out of 5 by 12.
Rated 5 out of 5 by from Excellent computer DCU has proven to be all that was advertised and more. Their services exceed expectations and are very helpful.
Date published: 2018-08-11
Rated 5 out of 5 by from Avery good service I love this bank because everything about them is perfect both their banking even their customer care representative is very good in attending to customers.
Date published: 2018-06-23
Rated 5 out of 5 by from It ‘s very helpful to see all the details All the features they have are helpful to get to know what they have
Date published: 2018-04-07
Rated 5 out of 5 by from Its been excellent No problems with anything here its been really great.
Date published: 2018-01-20
Rated 5 out of 5 by from Good product The interest rate needs to be higher in the relationship checking.
Date published: 2012-03-15
Rated 5 out of 5 by from Staff is helpful when there are questions, very quick to reconcile issues. I have been able to reconcile any issues over the phone or via instant message. Staff has been friendly and helpful
Date published: 2011-10-24
Rated 5 out of 5 by from Great Product! Used product for 20+ years and am still very happy w/DCU
Date published: 2011-10-20
Rated 5 out of 5 by from There are no negatives We have been members of DCU for many years and have enjoyed the relationship at all times. Features have been added that improve the products. We appreciate the dividend, another add on that is positive.
Date published: 2011-10-17
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how long does it take to receive ur ATM cards

Asked by: Becky
2 working days to maximum of 7 days to receive it which am sure it can't be up to 7 days before you have it.
Answered by: mcdono
Date published: 2018-08-25

Interest on a dividend checking account calculated?

I understand that the interest rate is subjected to change weekly, but how do you calculate the interest rate for the account? What is taken into account when recalculating the interest rate?
Asked by: Toni
You will earn dividends on the Dividend Checking Account when your balance is $2500 or more. 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.
Answered by: DCU Staff
Date published: 2018-03-06

Clarification of balance minimum

It says that if you go below the $2500 daily minimum balance, the account holder will be charged a $10 monthly fee. Is the account holder only charged the $10 once for the whole month, or is the account holder charged $10 for every day that their daily balance was below the minimum?
Asked by: Toni
The $10 fee is charged only once per month if your balance falls below $2500 at any time during the month.
Answered by: DCU Staff
Date published: 2018-07-27
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