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. 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)
$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 1741 reviewers.
Rated 5 out of 5 by Excellent products and services I wish I knew DCU back then. The bank has easy, excellent products for everyone. No fine line. October 29, 2016
Rated 5 out of 5 by Smooth and easy process The process was simple and easy to follow instructions. The response was prompt and timely. Thanks October 29, 2016
Rated 5 out of 5 by Excellent Overall I have had a very pleasant experience with my DCU accounts. However, I would like to see away to place an account on hold when there is a problem. Recently I made a purchase I was not happy with. The company is refusing to send me a return receipt or give me an address so I can return the item. My problem is that they are trying to take payments from my account. They have overdrawn my account, I don't have the $30 to put a stop payment on 1 payment that my not stop them from trying again. So my account is now negative for 2 overdraft fees because they have tried again. I would like to close this account, but I can't do that until I pay the negative amount, I understand that completely, but in the mean time this company keeps trying to charge my account making my negative balance go up. This should not be able to happen. There should be a way to voluntarily block an account from retrying to charge an account like this. By the way, I did send a claim, through the branch, to fraud and this was still able to happen. I feel if a complaint is sent to the fraud department, the account holder should have the option of voluntarily putting a hold on the account so fees cannot be added like this. Thank you. October 25, 2016
Rated 5 out of 5 by Excellent Service Excellent Service commitment and support. Keep up the good work. October 22, 2016
Rated 5 out of 5 by excellent service user friendly, quick on time and excellent services October 22, 2016
Rated 5 out of 5 by Checking Account DCU is a great company.The free checking account is easy to open and no monthly fee's and on top of that they have online deposits so is no need to go to the branch at all.I have had a good experience and I hope in continue that way. October 19, 2016
Rated 5 out of 5 by Excellent Credit Union Moved here recently and they have been remarkably helpful with everything from setting up accounts and notarizing my closing docs through another state. Very Impressed! October 16, 2016
Rated 5 out of 5 by Easy to navigate DCU makes everything very easy to navigate. Easy to figure out whenever you want, didn't take long to set it up October 16, 2016
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(51 Questions : 96 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, 8 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
4 months, 1 week ago
Member avatar
by
Jon
Boston
0points
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Answer: 
go online,easy and service is excellant
State: Indiana
Age: 55-65
DCU Member for: Less than 1 year
4 months, 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, 5 months ago
Member avatar
by
Julz-89
Worcester
0points
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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, 8 months ago
Member avatar
by
DCU Staff
Marlborough
0points
0out of 0found this answer helpful.
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State: Massachusetts
5 years, 4 months 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
5 years 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
5 years, 2 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, 4 months ago
Member avatar
by
DCU Staff
Marlborough
+2points
2out of 2found this answer helpful.
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State: California
Age: 35-44
DCU Member for: 10 to 20 years
4 years, 9 months ago
Member avatar
by
Hima
San Jose
0points
0out of 0found this question helpful.
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Answers

Answer: 
Not that I'm aware of. I have received ACH and wire transfers without any charges. Wire transfers for direct deposit even bring additional benefits to your free checking!
State: Alabama
Age: 25-34
DCU Member for: 10 to 20 years
2 months, 3 weeks ago
Member avatar
by
Benjamin
Huntsville
0points
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Answer: 
There shouldn't be any charges for receiving the wire transfer.
State: Ohio
Age: 35-44
DCU Member for: 10 to 20 years
3 years, 5 months ago
Member avatar
by
vc
columbus
0points
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Answer: 
DCU does not charge a fee for processing incoming wire transfers.
State: Massachusetts
4 years, 8 months ago
Member avatar
by
DCU Staff
Marlborough
0points
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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, 10 months ago
Member avatar
by
ahamy
lowell
0points
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Answer: 
No
State: Georgia
Age: 35-44
DCU Member for: Less than 1 year
3 months, 1 week 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, 6 months ago
Member avatar
by
MOMMOM
BLACKWOOD
0points
0out of 0found this answer helpful.
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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, 9 months ago
Member avatar
by
DCU Staff
Marlborough
0points
0out of 0found this answer helpful.
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State: Texas
3 years, 3 months ago
Member avatar
by
Alamo
Lewisville
0points
0out of 0found this question helpful.
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Answer: 
no
State: Massachusetts
Age: 45-54
DCU Member for: Less than 1 year
4 months, 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
3 years, 1 month 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, 3 months ago
Member avatar
by
DCU Staff
Marlborough
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#: 466914

© 2016 Digital Federal Credit Union