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 $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. 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

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. 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

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.

(Avoid this fee by using a Visa or Home Equity Line of Credit.)
$30.00
Paid - 2nd Attempt to Clear
(Paid by repost)
$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 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.


Rated 4.7 out of 5 by 1661 reviewers.
Rated 5 out of 5 by Great organization I have been impressed with all my interactions with DCU as well as very happy with the wide range of offerings available. Coming from one of the "Big Banks" it is refreshing to have a relationship with my bank as opposed to a number. July 27, 2016
Rated 5 out of 5 by excellent service by DCU It is very easy to open and maintain accounts with DCU. Everything is fair and no hidden charges. July 25, 2016
Rated 5 out of 5 by Great member service and value DCU member service is always available through phone or chat. The products provide the value we need. July 25, 2016
Rated 5 out of 5 by Been with the DCU for years! Happily!! I have been with the DCU for many years (since I worked with Digital) and have always been very happy with them. Their employees always go out of their way to make sure that you are well taken care of and that everything they explain is completely understood by you. If they have to explain something again that's more than fine. Their rates are also exceptional. Thank you DCU! You've been great all these years! July 23, 2016
Rated 5 out of 5 by I was extremely satisfied with the phone reps. Usually banking is a hassle for me, and I always get the grumpy representatives that don't care much for customer service. I spoke to two very well spoken women that knew exactly what they were talking about and worked with me in every way possible. This was my first time banking with this company, and my first impression was immediately satisfactory. I wasn't put on hold for long, and the wait times were at a minimum. I would highly recommend this company to anyone. July 23, 2016
Rated 5 out of 5 by great product for me I like that its free and no balance restrictions. Its not my main account. Iys just my play account.But .I did just open it. waiting for checks. If everything goes well I might make it my main account July 23, 2016
Rated 5 out of 5 by Excellent Services I'd love to bank with DCU, excellent services provided July 23, 2016
Rated 5 out of 5 by DCU online Banking feature are awesome DCU online Banking features are awesome. Banking Credit card and Savings/Checking accounts are most prominent options to utilize from DCU. I love to use online banking options from DCU like Cross Account transfers, People Pay options. July 18, 2016
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(50 Questions : 91 Answers)

Product Q&A

Ask your questions. Share your answers.

 
 
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State: California
Age: 25-34
DCU Member for: Haven't joined yet
2 years, 5 months ago
Member avatar
by
Ala
Fremont
0points
0out of 0found this question helpful.
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Answers

Answer: 
Tell them about DCU product and encourage to open account online, by telephone or go to one of DCU branches
State: Massachusetts
Age: 45-54
1 month, 1 week ago
Member avatar
by
Jon
Boston
0points
0out of 0found this answer helpful.
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Answer: 
go online,easy and service is excellant
State: Indiana
Age: 55-65
DCU Member for: Less than 1 year
1 month, 2 weeks ago
Member avatar
by
sb2016
North Manchester
0points
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Answer: 
You log on to your account on a desktop and go to
1) Account Manager
2) Share DCU
under Share DCU pick Refer a Friend and fill out the little form
all you have yo do after that is make sure your friend/s join DCU.

Your welcome
State: Massachusetts
Age: 18-24
DCU Member for: 1 to 4 years
1 year, 2 months ago
Member avatar
by
Julz-89
Worcester
0points
0out of 0found this answer helpful.
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Answer: 
You would simply refer your friend to visit our home page and click either the Checking or Savings link below the Open Accounts area on the left side.
State: Massachusetts
2 years, 5 months ago
Member avatar
by
DCU Staff
Marlborough
0points
0out of 0found this answer helpful.
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State: Massachusetts
5 years, 1 month ago
Member avatar
by
DCU Member
Marlborough
-1point
0out of 1found this question helpful.
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Answers

Answer: 
Your available balance is difference because anytime you make a purchase using your debit card using the VISA feature that reduces availability. You have probably figured that out by now. Other newbies may not have such as myself in the beginning who did not want to wait for a human on their phone bank line. BEWARE: VISA purchases drop off pretty quickly giving an illusion you have more money than you really do. Then 2-3 days later the VISA purchases are processed and can cause 1 or more overdrafts. With DCU it is IMPERATIVE to keep a checkbook register. I know firsthand. Most other banks keep the hold on your account until the actual "hard-charge" for your purchase is processed. DCU has told me they drop them as a policy after one business day automatically so you have full use of your money. The rationale is if the purchase you made is tying up your balance and is not ever coming through (ie: a hotel or car rental hold) then that is not fair to the customer. 99% of our purchases are not for those two venues and from that standpoint, a week hold on your money has aggravated me with other banks. Simply KEEP AN ACCURATE REGISTER and you will not have any problems or OD fees.
State: New Hampshire
Age: 45-54
DCU Member for: 5 to 10 years
4 years, 9 months ago
Member avatar
by
DRK59
Merrimack
+2points
2out of 2found this answer helpful.
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Answer: 
It could have to do with pending transactions and possible overdraft protection you have. I would suggest calling the Info center or emailing to find out for sure.
State: Massachusetts
Age: 18-24
DCU Member for: 5 to 10 years
4 years, 11 months ago
Member avatar
by
goodluck
clinton
+3points
3out of 3found this answer helpful.
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Answer: 
Your available balance may be different than your account balance because of deposits on hold and/or debit authorization holds from purchases.
State: Massachusetts
5 years, 1 month ago
Member avatar
by
DCU Staff
Marlborough
+2points
2out of 2found this answer helpful.
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3 answers

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?
State: Massachusetts
Age: 18-24
DCU Member for: Haven't joined yet
3 years, 6 months ago
Member avatar
by
ahamy
lowell
0points
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Answers

Answer: 
No
State: Georgia
Age: 35-44
DCU Member for: Less than 1 year
1 week, 3 days ago
Member avatar
by
gauravpm
A
0points
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Answer: 
$50 coupon is for referring new members.
State: New Jersey
Age: 45-54
DCU Member for: 1 to 4 years
3 years, 3 months ago
Member avatar
by
MOMMOM
BLACKWOOD
0points
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Answer: 
Promotional invitations extended require certain criteria be met as indicated on the invitation itself and are usually intended for the receipient only. You may inquire in person at the Branch when opening your Membership if any promotion or bonus offer is still being provided when you visit to learn of the criteria that must be met to qualify.
State: Massachusetts
3 years, 6 months ago
Member avatar
by
DCU Staff
Marlborough
0points
0out of 0found this answer helpful.
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State: Texas
3 years ago
Member avatar
by
Alamo
Lewisville
0points
0out of 0found this question helpful.
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Answers

Answer: 
no
State: Massachusetts
Age: 45-54
DCU Member for: Less than 1 year
1 month, 1 week ago
Member avatar
by
Jon
Boston
0points
0out of 0found this answer helpful.
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Answer: 
No , very easy .
State: New York
Age: 18-24
DCU Member for: 5 to 10 years
2 years, 10 months ago
Member avatar
by
AMMULU
Brighton , Rochester
0points
0out of 0found this answer helpful.
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Answer: 
Yes, we will gather and exchange whatever credit, checking account, and employment information considered appropriate after your application is submitted.
State: Massachusetts
3 years ago
Member avatar
by
DCU Staff
Marlborough
0points
0out of 0found this answer helpful.
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State: Hawaii
Age: 25-34
DCU Member for: Less than 1 year
2 years, 10 months ago
Member avatar
by
Madhu
Honolulu
0points
0out of 0found this question helpful.
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Answers

Answer: 
No dcu is every good at their service
State: Massachusetts
Age: 18-24
DCU Member for: Less than 1 year
3 months, 2 weeks ago
Member avatar
by
Linnette
Worcester
0points
0out of 0found this answer helpful.
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Answer: 
Yes fortunately now they do. This is to minimize Identity theft and other fraudulent activities.
State: Massachusetts
Age: 18-24
DCU Member for: 1 to 4 years
1 year, 2 months ago
Member avatar
by
Julz-89
Worcester
0points
0out of 0found this answer helpful.
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Answer: 
I am not sure, but in my case I was able open the Checking & Savings account even though I have absolutely no credit history at all.
State: Michigan
Age: 25-34
2 years, 9 months ago
Member avatar
by
Chanukya
Caledonia
0points
0out of 0found this answer helpful.
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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

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

Equal Housing Opportunity

NMLS#: 198524

© 2016 Digital Federal Credit Union