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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 2476.
Rated 5 out of 5 by from Great product Thank you for account representative explaining it all to me.
Date published: 2019-04-16
Rated 5 out of 5 by from Wonderful customer service!! Thank you Alicia for getting me in and out starting a new checking account. Best customer service I have had in a long time!
Date published: 2019-04-13
Rated 5 out of 5 by from Best free checking no suprises The online account has everything you need.Easy to switch all your other accounts on this site with switch kit. I have one for internal transfers and another for daily use. There great and truly FREE.
Date published: 2019-04-06
Rated 5 out of 5 by from I like the options of pretty much all of your accounts. I love all of DCU's products and features.. Whatever you need DCU. can fulfill your needs.
Date published: 2019-04-06
Rated 5 out of 5 by from DCU is the one of the best helping financial services in USA My friend referred me to DCU and I'm happy with the DCU account services.
Date published: 2019-03-30
Rated 5 out of 5 by from Customer Service rep was exceptional setting up account and explaining all features Went to the bank and was quickly seen by customer service... The rep setup my checking account and walked thru and explained the feature: ClickSwitch to transfer my direct disposit to DCU.. Was given a SwitchTrack Code so once I confirm my paycheck is deposit with no issues can use this same feature to transfer my other auto withdrawal bills. The rep also create (4) Check so I can pay my mortgage coming up soon. She was fantastic... I'm glad to switch to DCU for all my banking needs...
Date published: 2019-03-30
Rated 5 out of 5 by from Awesome This is a great bank, niice people, excellent customer service
Date published: 2019-03-30
Rated 5 out of 5 by from This products is very good. I like this products and is excellent products for all people.
Date published: 2019-03-30
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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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