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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 or monthly maintenance fees
  • Debit card*
  • Receive your pay up to 2 days early with recurring Direct Deposit
  • NEW! Earn up to $15 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 $15 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
    • Special ¼% rate bonus on regular certificate accounts

    How to qualify for Relationship Benefits

    1. Have recurring Direct Deposit of your net pay, Social Security, or pension to your checking account
    2. Receive all your DCU statements electronically
    3. Have an active loan with DCU (such as a DCU Visa Credit Card)
  • 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 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 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 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 2018.
Rated 5 out of 5 by from Free checking is helpful I'm happy that I can organize my bills using free checking.
Date published: 2017-11-18
Rated 5 out of 5 by from Comparable and competitive Like all other major banks, free checking is comparable and competitive. The customer service has been thus far the best I’ve experienced because are they consumer friendly and personable.
Date published: 2017-11-18
Rated 5 out of 5 by from Good DCU is offering a good service with faster response.
Date published: 2017-11-18
Rated 5 out of 5 by from The experience at the branch made everything perfect At the DCU branch we had the best time with Jaclyn. She made it so easy and made us feel good about switching everything to DCU. She answered all of our questions and even gave us answers to questions we didn’t think of. I’m very very pleased with DCU as a bank and their staff!
Date published: 2017-11-18
Rated 5 out of 5 by from Easy to access n customer service excellent Great services n easy on line access. Easy application.
Date published: 2017-11-18
Rated 5 out of 5 by from Great customer service The lady that helped me was very knowledgeable and accomadated my every need and question.
Date published: 2017-11-12
Rated 5 out of 5 by from Limited services I opened the account to try to be able to use for online transfers due to my fiance being active duty and presently over seas. He and I needed a simpler way to transfer money. Hopefully this will be temporary since we have not yet been able to use it. I hope to soon start using this account for everything.
Date published: 2017-11-11
Rated 5 out of 5 by from Very good service Very good service with no additional charges. I would recommend this my friends.
Date published: 2017-11-10
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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

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: ME
Just a referral should be enough.
Answered by: Ben
Date published: 2016-07-09

can I make deposits with my cell phone?

Asked by: jmack
Yes. Use the DCU app once you are a member.
Answered by: Special K
Date published: 2017-03-25

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

Is Direct Deposit is required to setup for Free Checking account or to maintain a Free checking balance?

I have free checking account from last 1 year and i had setup the direct deposit with Free Checking account. If i remove the direct deposit, will there be any fee involved in mainitaining the account monthly like in other banks? Also, how do i know which type of Free Checking account i have? Am i eligible to upgrade my Free checking account if no direct deposit each month?
Asked by: Kushal
You are not required to set up Direct Deposit, but only if you wanted which is going to make you bank a lot easier with them. You are illegible to open and maintain your free checking account as far you have little balance on your account you doing totally fine.
Answered by: StayEasy
Date published: 2016-05-14
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  • clientName_digitalfederalcreditunion

"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