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What Can DCU Save You?

Free Checking

With Automatic Member, Plus, and Relationship Benefits



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Free Checking at DCU

Free Checking Benefits

  • No minimum balance or monthly maintenance fees
  • Debit card*
  • Receive your pay up to 2 days early with recurring Direct Deposit
  • NEW! Earn up to $25 per month in non-DCU ATM surcharge reimbursements (with Relationship level benefits)
  • DCU Free Checking already comes with exceptional benefits however you may automatically qualify for additional levels of benefits called Plus or Relationship. Each level gives you many more great benefits that save you money or increase your earnings.

    Relationship Benefits

    • Up to $25 per month in non-DCU ATM surcharge reimbursements
    • Free DCU Custom-style checks (120 per year)
    • Special ½% consumer loan rate discount with electronic payment

    How to qualify for Relationship Benefits

    1. Have recurring Direct Deposit of your net pay, Social Security, or pension to your checking account
    2. Make at least five payments per month. Payments include credit and debit card transactions, bill payments, balance transfers, and P2P payments.
  • Free online, mobile, and branch access
  • Unlimited check writing
  • Free online Bill Payer
  • Free DCU ATMs
  • Automatic Plus and Relationship benefits when you do more with DCU
  • And much more...

*Upon approval

Please refer to Details tab for additional information and important disclosures.

"The products have great features"

Open quote Free checking means free, direct deposit is in my account at least a day ahead of all others, and the people on the phones are extremely helpful, very professional and very knowledgeable. A very refreshingly pleasant experience. Close quote

— Susie84, Leominster, MA

Free Checking

If your checking account is at a bank, chances are you're paying big fees or getting little for the huge minimum balance you're forced to keep. Take a close look at your statement. You're in for a shock. Do they really want your business?

DCU Free Checking comes with exceptional Member benefits. You may automatically qualify for two additional levels of benefits called Plus or Relationship. Each level gives you many more great benefits that save you money or increase your earnings.

Why do we do this? To repay your relationship with DCU with additional value. The more you use DCU, the more benefits we can deliver to you and your fellow members. The more you use DCU, the more you'll benefit from the services you use and the extras we provide. Do more, get more.

Free Checking Member Benefits

  • No minimum balance and no monthly maintenance fees
  • DCU Visa® Debit Card*
  • FREE Online Banking and Online Deposit**
  • FREE Mobile Banking and Online Deposit**
  • FREE Unlimited check writing
  • Receive your pay up to 2 days early with recurring Direct Deposit1
  • FREE online Bill Payer
  • FREE DCU ATM access
  • FREE Easy Touch Telephone Teller access
  • FREE eStatements
  • FREE use of thousands of CO-OP Shared Branch locations
  • Optional Overdraft protection and Overdraft Payment Service2
  • Free optional monthly credit score in Online Banking

Plus Benefits

With Plus benefits, you receive all the Member benefits above and...

  • Free use of non-DCU ATMs – otherwise $0.75 per transaction
  • Special ½% consumer loan rate discount with electronic payment
  • Up to $10 per month in non-DCU ATM surcharge reimbursements

How to qualify for Plus Benefits

You'll automatically receive these benefits every month when you do the following...

  1. Recurring Direct Deposit your net pay, Social Security, or pension to your checking account3

Relationship Benefits

With Relationship benefits, you receive all the Plus and Member benefits above and...

  • Free DCU Custom-style checks (120 per year)
  • Up to $25 per month in non-DCU ATM surcharge reimbursements

How to qualify for Relationship Benefits

You'll automatically receive these benefits every month when you do the following...

  1. Recurring Direct Deposit your net pay, Social Security, or pension to your checking account3
  2. Make at least five payments4 per month.

Determining your Checking Level

When you qualify for Plus or Relationship benefits, your account name stays Free Checking in Online Banking and on your statement. You can view your current benefits level on your Online Banking Account Manager homepage, or ask us in any branch, by email, or phone.

Safety and Security

Your DCU accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement accounts (IRA) are insured separately up to $250,000. Learn more about insurance coverage.

Switch your Checking Account to DCU Today!

ClickSWITCH makes it easy for you to quickly and securely switch your current online bill payments, automated payments and direct deposits from your existing financial institution's accounts to your new account at DCU. Learn more about ClickSWITCH.

Not a DCU member yet? Joining is easy and there's no DCU membership fee. Check our Branch/ATM Locator to find your nearest branch, call the Information Center at 508.263.6700 or 800.328.8797, weekdays from 8:00 am to 9:00 pm and Saturdays from 9:00 am to 3:00 pm, Eastern time, or visit our membership page for details.

Please refer to DCU's Truth-in-Savings Disclosure and Account Agreements, Schedule of Fees and Service Charges, and Electronic Services Disclosure and Agreements.


* Upon approval

** Approval needed for Online Deposit

1. When most companies direct deposit a pay check, they notify us up to 2 days in advance that it is coming. We make those funds available to you as soon as we know about them resulting in your early pay day!

2. Separate approval required. No maintenance or annual fee. $30 fee each time an overdraft is paid. Based on the selection made when opting in, we do authorize and pay overdrafts to your checking account for Checks, pre-authorized withdrawals (ACH), and debit card purchases processed outside of the PIN network. We do not authorize or pay overdrafts for ATM transactions or debit card purchases processed through the PIN network. We may authorize and pay overdrafts at our discretion. If we do not authorize or pay the overdraft, your transaction will be declined or returned. Negative balances that result from our having paid an overdraft are payable on demand.

3. The Direct Deposit requirement is waived on Plus benefits for members under 23.

4. Payments include credit and debit card transactions, bill payments, balance transfers, and P2P payments.

Checking Fees

Free Checking

Item Fee
Monthly Maintenance Fee: DCU FREE Checking
NONE

No minimum balance required.

Overdrafts and Checking Accounts

Item Fee
Paid - Nonsufficient Funds*
(Overdraft item paid)
(Avoid this by using a Visa or Home Equity Line of Credit.)
$30.00
Returned - Nonsufficient Funds* $30.00
Paid - Uncollected Funds* $30.00
Returned - Uncollected Funds*
Includes checks, line of credit checks, VISA drafts, ACH,
DCU Debit Card, and ATM withdrawals.

$30.00
Paid - 2nd Attempt to Clear
(Paid by repost)
NONE
Automatic Overdraft Transfer
From Savings.
Limit six per month from Savings**
$5.00/transfer
Temporary Checks $ 1.00/check
Bill Pay Transaction FREE
Check Order
(With Relationship Benefits on a DCU Checking Account, receive 120 free Custom-style checks each year)
(Printer's Charge)

* Includes checks, ACH, and DCU Debit Card withdrawals. Aggregate two (2) fees per day per account. Individual items that 1) are $10 or less, or 2) draw the account balance negative by $10.00 or less are not subject to such fees.

** In combination with other Regulation D transactions

Any negative balance that results from DCU having paid an item that causes an overdraft must be repaid promptly. Negative balances not repaid promptly will result in your being suspended or terminated from the DCU Overdraft Service.

For a complete listing of all of DCU’s fees and service charges, please see the Schedule of Fees and Service Charges (html) (or as a printable pdf).

Please refer to Features tab for more information.


Free Checking is rated 4.7 out of 5 by 2250.
Rated 5 out of 5 by from Been a DCU member for over 10 years I joined DCU when it was required to be a member referral. I remember being 16 and having my dad have to go into the bank to sign me up as a member. Best decision of banking I've made. I've kept my account active even when I became employed by the "other green logo bank" and even remained active once i quit that job and moved on. What makes this bank awesome is the ease of banking. I never have to step foot inside a brick and mortar location because I do ALL of my banking online. Mobile deposits, transfers, ordering checks and ordering new debit cards. The only downfall with ordering a new debit card is that it takes FOREVER to receive a new one. If your card is lost or stolen, you are better off going into the bank to have it printed (if the machine is working) or else you wait 7-10 business days. This is too long in my opinion to wait for a card that is your lifeline. So i recommend having other payment options too. the loan process is a bit tedious and hard to secure a loan (even with great credit). which perhaps pays back members in keeping banking costs low. they don't hand out money frivolously like other banks.
Date published: 2018-05-17
Rated 5 out of 5 by from The best Banking experience every time ... My relationship with DCU started with an Auto Loan. Within a few months of doing business with them, I moved all my banking to DCU and have never regretted it. The fact that I get paid a couple days early is just a bonus. Customer Service has been amazing. Fraud Department, also amazing. There has not been one bad experience with DCU. I have converted a few friends and an outspoken advocate when I hear people are with "bad" banks. I've even tried to convert people who use another Credit Union. The ease of the website. The amount of information you can get online, it all adds up to a complete banking experience. I will be a lifer with DCU.
Date published: 2018-05-15
Rated 5 out of 5 by from The best most user friendly, small guy, consumer bank in the universe!!!!! I couldn't be happier with everything from customer service to the best web site I've ever worked with or navigated through.
Date published: 2018-05-15
Rated 5 out of 5 by from This product is awesome This is an excellent product and very welcoming with wonderful APR.
Date published: 2018-05-14
Rated 5 out of 5 by from This product has great features This product has great features This product has great features
Date published: 2018-05-14
Rated 5 out of 5 by from Excellent Service I love the way the team responds to all my queries with great patience and provided all the needed information on time.
Date published: 2018-05-14
Rated 5 out of 5 by from AWESOME Interest rates that you cant beat also Im really in love with the customer services attention
Date published: 2018-05-12
Rated 5 out of 5 by from Best Credit Union in the country Very helpful and designed to meet your needs. Customer service is clearly the focus of the staff and the products reflect that.
Date published: 2018-05-12
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New account

If i open a checking would i be able to do an external deposit??
Asked by: Teri
Yes
Answered by: Eve
Date published: 2018-04-11

How long does it take to get a confirmation email after opening the account

How long does it take to get a confirmation email after opening the account
Asked by: Brown21
Usually within 1 to 2 days.
Answered by: Th!nkzGrl
Date published: 2018-04-21

how much does it cost to open a new checking account?

Asked by: Shark
No cost for checking account
Answered by: Franjilin185
Date published: 2018-03-31

How do I refer a friend to open a dcu account

Asked by: Ala
You just tell them about DCU Bank if they want to open up an account you go with them and then you go right up to Taylor is saying he wants open up and a checking account did they may ask you to check there is a machine to do so and they will help you if you need it
Answered by: jo
Date published: 2017-05-20

50$ coupon

my aunt had a dcu 50$ coupon for new dcu members if i dont have the coupon and i go sign up can i get that 50$ added to my account to?
Asked by: ahamy
Yes
Answered by: Bibb co
Date published: 2018-04-14
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"This product is the best"

Open quote In all 20+ years I have used this product I have never encountered a problem. Close quote

— Tim, Hudson, MA

Easy Ways To Open a Checking Account Today

  1. Open Online – Fill out an online application quickly and easily.
  2. By Phone – Call 800.328.8797 or 508.263.6700, (select 3).
  3. Any DCU Branch – Apply at your local branch.
  4. By Mail – Fill out an application and mail it in.

"I love the free checking for many reasons"

Open quote  I don't have to keep
a minimum balance. I get back some ATM fees at non-DCU ATM's. I
can transfer funds between savings and checking with a click of a button. Close quote

— Decooch, Nashua, NH

Related Links

  • Avoiding Checking Overdrafts – Most DCU members never overdraft their DCU checking accounts and never pay overdraft fees. Learn their secrets and you can avoid these fees, too.
  • About NCUA Insurance – Complete information and details about NCUA Insurance.
  • Order Checks – Complete information about reordering checks.
  • Affidavit of Forgery (.pdf format) – Use the Affidavit of Forgery to report checks which have been fraudulently cashed on or against your Digital Federal Credit Union account.
  • StreetWise Checking Account Guide – Explains the benefits of checking accounts, how they work, how to use them, and how to choose them.
  • FICO Score – Through DCU you can receive your Equifax FICO Credit Score via online banking under Account Manager in your Inbox once a month FREE.

Related Applications/Disclosures