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Personal and Business Banking

DCU Free Checking Account

Free Checking


Stop paying big bank fees –
Free Checking with DCU can save you hundreds.

DCU Free Checking requires no minimum balance, has no monthly maintenance fees and has three levels of benefits. Everyone enjoys the first level of great benefits, but by simply having recurring Direct Deposit and making purchases or payments, you can earn even more benefits that can save you money.

It’s that simple.

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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 $0.75 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 up to two days early with direct deposit
  • Up to $10 per month month in non-DCU ATM surcharge reimbursements
  • Consumer loan rate discount of .50% with electronic payment from a DCU account

How to Qualify:

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

Looking for a Checking Account with interest? Try Dividend Checking


DCU Members rated DCU Free Checking 4.7 out of 5 stars 4.8 out of 5 stars filled

What our Members are saying...

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    The Best Banking Experience Every Time...

    Within a few months of doing business with them, I moved all of my accounts over 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. And with the amount of information you can get online, it all adds up to a complete banking experience. I will be a lifer with DCU.

    ~ IslandGurl
    Manchester, NH

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    No fees and a whole lot of versatility.

    DCU free checking is everything one could want from a checking account. No fees, and lots of helpful features at no additional cost. Plus, ACH transactions happen much faster through DCU than most other financial institutions so electronic deposits from your employer or services like Venmo and PayPal happen very quickly.

    ~ Justin 257
    Methuen, MA

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    It's Free.

    There are no hidden fees, no minimum balances to maintain. Most banks have fees associated to having a checking account, whether it be monthly fees or daily fees. DCU's checking accounts are just free all around.

    ~ Gordo
    Worcester, MA

Previous videos Next videos
Free Checking is rated 4.6 out of 5 by 2416.
Rated 5 out of 5 by from The service has good features With on $5.00 dollars you can open an account with this bank I like the customer service and the offers they provide is excellent including the branch always have free coffee. I do recommended DCU for banking.
Date published: 2019-01-15
Rated 5 out of 5 by from Great bank and the peo pool level are great with customer service Great security team and the banking is great. Customers service is easy and they help with any issue.
Date published: 2019-01-13
Rated 5 out of 5 by from Great features with the checking account Excellent zero balance account with good features, can accessible with cooperative banks around the United states.
Date published: 2019-01-12
Rated 5 out of 5 by from Excellent experience Felt like I got excellent service and was treated like a valued new customer. I am now considering moving my business accounts over to DCU.
Date published: 2019-01-12
Rated 5 out of 5 by from Awesome Customer Service All you need a phone call and everything is Done like a Charm.
Date published: 2019-01-05
Rated 5 out of 5 by from I love this service I love DCU!!! No fees can I say more? Yes their customer service is incredible! 1st rate. I received a call about a recent purchase. It was fraud on my debit card. I called the bank right away and they closed my card. Unfortunately my money had been drained. I called early the next day and they helped me fill out the paperwork to dispute the charges and by the end of that day my funds were restored. I picked up my new card at my branch, and spoke with one of your service people. She helped me set up alerts and open a new account which I only use for spending and only put in the amount I am going to spend and then leave a zero balance in it.Thanks for all that you do for your customers!!
Date published: 2019-01-05
Rated 5 out of 5 by from Customer service I opened my DCU account in Framingham-MA. Gill Araujo was incredibly helpful and delivered a stellar customer service experience
Date published: 2018-12-29
Rated 5 out of 5 by from Great service! Just got my new free checking account and the experience was incredible... Highly recommend
Date published: 2018-12-29
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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: 2018-11-25

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: 2018-06-23

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

Asked by: Shark
No cost for checking account
Answered by: Franjilin185
Date published: 2018-08-02

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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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.


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