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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.

Open Now ›

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 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...

  • Large quote symbol
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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

  • Large quote symbol
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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

  • Large quote symbol
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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 2504.
Rated 5 out of 5 by from Rates are very low compared to other credit union. Customers service excellent. I will recommend duc to anyone before any other bank.
Date published: 2019-06-08
Rated 5 out of 5 by from Convenient and contains useful features The checking account allows me direct deposit my SS and pension checks and then pay bills electronically or by check with no additional charges. Also includes a debit card that can be used for store payment or ATM withdrawals.
Date published: 2019-06-03
Rated 5 out of 5 by from Good features and easy access My co- worker told me about DCU, I’m so very glad he did. Best change I have made to make life easier and help get to where I want to be! Thanks!
Date published: 2019-06-02
Rated 5 out of 5 by from NA Love the customer service and everyone has been very helpful
Date published: 2019-06-02
Rated 5 out of 5 by from Very nice product It’s The best of The best, The best servicie, i like al About CDU Bank! Join NOW don’t thinks more
Date published: 2019-06-01
Rated 5 out of 5 by from Flawless Tough to improve on perfection. DCU Free Checking is perfect.
Date published: 2019-05-29
Rated 5 out of 5 by from DCU is for everyone Getting free checking account is rare and it is what all need. What if someone needed or just spent a $1 depleting the marked $1500 cap or something similar you end up paying fine for the dollar sometimes $30 or more... it is easy to understand who wants to help you. DCU does and their website services and rates are better if not equal on par with all the other bigger banks. Will definitely recommend
Date published: 2019-05-28
Rated 5 out of 5 by from Great Service. Great Service. Everything speaks for it's self. Thanks.
Date published: 2019-05-24
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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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^If at any time you fail to maintain either Checking Plus and/or Relationship benefits status (as defined by DCU), your benefits level will be automatically adjusted without notice.

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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