What Can DCU Save You?

Free Checking

With Automatic Basic, Plus, and Relationship Benefits




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Free Checking at DCU

Free Checking Benefits

  • No monthly fee or minimum balance
  • Free debit card
  • Free online, mobile, and branch access
  • Unlimited check writing
  • Receive your pay up to 2 days early with direct deposit
  • Free online Bill Payer
  • Free DCU ATMs
  • Automatic Plus and Relationship benefits when you do more with DCU
  • And much more...

"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 Basic 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 Basic Benefits

  • No monthly fee or minimum balance
  • FREE DCU Visa® Check Card (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 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
  • FREE Overdraft protection and Overdraft Payment Service2
  • Free optional monthly FICO® credit score in Online Banking

Plus Benefits

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

  • Free use of non-DCU ATMs – otherwise $1.50 per transaction
  • Up to $5 per month in non-DCU ATM surcharge reimbursements

How to qualify for Plus Benefits

You'll automatically receive these benefits every month you do any two of the following three things...

  1. Direct deposit your net pay, Social Security, or pension to your checking account3
  2. Receive all your DCU statements electronically4
  3. Have an active loan with DCU (such as a DCU Visa Credit Card)

Relationship Benefits

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

  • Free DCU Custom-style checks (150 per year)
  • Special ½% consumer loan rate discount with electronic payment
  • Special ¼%% rate bonus on regular certificate accounts

How to qualify for Relationship Benefits

You'll automatically receive these benefits every month you do all three of these things...

  1. Direct deposit your net pay, Social Security, or pension to your checking account
  2. Receive all your DCU statements electronically4
  3. Have an active loan with DCU (such as a DCU Visa Credit Card)

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. To determine your level, you can view the message sent to you in your Account Manager Inbox in Online Banking, or ask us in any branch, by email, or phone.

Your Checking Level is updated at the beginning of each month and a message will only be sent if your level changes.

Safety and Security

At DCU, each member's savings is federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government agency. Individual Retirement Accounts (IRA) are insured separately up to $250,000.

Switch your Checking Account to DCU Today!

Switching your checking account to DCU is easy. Just follow the instructions on our Checking Account Switch Kit and you're on your way.

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.


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. There is no maintenance or annual fee to have this valuable protection. It's only when the service is used that a fee may be charged. Please refer to dcu.org for usage fee details.

3. The direct deposit requirement is waived on Plus benefits for members under 23.

4. The eStatement requirement is waived on Plus and Relationship benefits for members 65 and older.

Checking Fees

Free Checking

Item Fee
Monthly Fee: DCU FREE Checking
NONE

Overdrafts and Checking Accounts

Item Fee
Overdraft (item paid)
(Avoid this fee by using a Visa or Home Equity Line of Credit.)
$30.00
Nonsufficient Funds
(NSF/uncollected)
Includes checks, line of credit checks, VISA drafts, ACH,
DCU Check Card, and ATM withdrawals.

(Avoid this fee by using a Visa or Home Equity Line of Credit.)
$30.00
Paid by Repost
(2nd Attempt to Clear)
$15.00
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 150 free Custom-style checks each year)
(Printer's Charge)

* In combination with other Regulation D transactions

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).

"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 Apply Today

  1. Apply Online – Fill out an online application quickly and easily.
  2. Any DCU Branch – Apply at your local branch.
  3. 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

Digital Federal Credit Union

220 Donald Lynch Boulevard

PO Box 9130

Marlborough, MA 01752-9130

508.263.6700  |  800.328.8797

ABA Routing Number: 211391825

    

Federally Insured by NCUA

© 2014 Digital Federal Credit Union