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 minimum balance and no monthly maintenance fees
  • Debit card*
  • Free online, mobile, and branch access
  • Unlimited check writing
  • Receive your pay up to 2 days early with recurring Direct Deposit
  • 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 more information.

"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 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 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 $0.75 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. Recurring 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 (120 per year)
  • Special ½% consumer loan rate discount with electronic payment
  • Special ¼% rate bonus on regular certificate accounts
  • Up to $15 per month in non-DCU ATM surcharge reimbursements

How to qualify for Relationship Benefits

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

  1. Recurring 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)

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

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 fee 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)

* 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).

Please refer to Features tab for more information.


Free Checking is rated 4.7 out of 5 by 1804.
Rated 5 out of 5 by from Zero complaints here DCU is the easiest place ever to bank with. Every time I have had to contact them they have been wonderful on service. I'm so glad my co-worker told me about them!
Date published: 2017-02-21
Rated 5 out of 5 by from I love dcu I always liked dcu cc union and your products. Very helpful people at the customer service.
Date published: 2017-02-18
Rated 5 out of 5 by from Great Awesome customer service, they have all the patience to help and guide you true all you need
Date published: 2017-02-18
Rated 5 out of 5 by from Great service The staff is always friendly and helpful. Service is great and free checking is a plus. The fraud alert is great. I've been called within a few minutes of a questionable transaction occurring to verify it's authenticity.
Date published: 2017-02-18
Rated 5 out of 5 by from Easy I dopn't have to worry about being charged for a low balance.
Date published: 2017-02-15
Rated 5 out of 5 by from Account opening procedure The online account opening procedure is excellent. The online customer support is also excellent
Date published: 2017-02-11
Rated 5 out of 5 by from Amazing service Treated me like such a valued customer, I was baffled at how efficient and considerate they are.
Date published: 2017-02-11
Rated 5 out of 5 by from Excellent service and support The service provided was excellent and very clear on what is required I will recommend to my friends
Date published: 2017-02-04
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How do I refer a friend to open a dcu account

Asked by: Anonymous
Tell them about DCU product and encourage to open account online, by telephone or go to one of DCU branches
Answered by: Anonymous
Date published: 2016-08-20

If a DCU member refers another person for membership does that other person have to qualify any additional membership criterion?

Or just referral is enough?
Asked by: Anonymous
Just a referral should be enough.
Answered by: Anonymous
Date published: 2016-07-09

can I make deposits with my cell phone?

Asked by: Anonymous
Yes. Use the DCU app once you are a member.
Answered by: Anonymous
Date published: 2017-01-18

I live out of state. Can I make cash and check deposits through ATM's in my home state?

Asked by: Anonymous
Yes, you can do that. DCU is part of credit union network and if you have a local credit union that is part of that network, you can do all the transactions that DCU branches would allow. FYI, I live in California and never had issues in last 20 years.
Answered by: Anonymous
Date published: 2017-02-07

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: Anonymous
No
Answered by: Anonymous
Date published: 2016-09-17
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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