JavaScript must be turned on in order for this site to display properly.

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.

Norbella Code Dstillery Code Open Now › MediaIQ Code Adobe Code

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...

  • Large quote symbol
    Large quote symbol

    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
    Large quote symbol

    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
    Large quote symbol

    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 2439.
Rated 5 out of 5 by from wonderful bank best bank ever ! wonderful people lots of help never a harsh answere to a question ....clean and so friendley
Date published: 2019-02-11
Rated 5 out of 5 by from Wow! Free checking! That's great! I can't believe it. Free checking and it's really for free. Wow. That's great. Thanks.
Date published: 2019-02-10
Rated 5 out of 5 by from Totally awesome product You guys are doing fantastic job, keep going with your services
Date published: 2019-02-09
Rated 5 out of 5 by from Free checking So very convenient to set up online/phone! Very professional and attentive to your NEEDS thanks DCU
Date published: 2019-02-09
Rated 5 out of 5 by from DCU JUST HANDLED A FRAUD FOR ME...FANTASTIC!!!!! I RECENTLY HAD MY ACCOUNT SCAMMED. WITHIN 24 HOURS I HAD A NEW CARD/ACCOUNT AND CHECKS. JUST AMAZING!
Date published: 2019-02-09
Rated 5 out of 5 by from Products for Everyone I have nothing but good things to say about every product I've used. They're all structured fairly and designed for everyone. Interaction with member services is always pleasant and efficient. Between ATM fee reimbursement and Shared Branching services, I can do whatever I need to from anywhere - there's no reason to do business with the big guys anymore.
Date published: 2019-02-05
Rated 5 out of 5 by from Great This product has great features and good tooo like that
Date published: 2019-02-02
Rated 5 out of 5 by from Swift service Great n hassle free experience while opening the account.
Date published: 2019-02-02
  • y_2019, m_2, d_16, h_14
  • bvseo_bulk, prod_bvrr, vn_bulk_2.0.11
  • cp_1, bvpage1
  • co_hasreviews, tv_0, tr_2439
  • loc_en_US, sid_9-1, prod, sort_[SortEntry(order=RATING, direction=DESCENDING), SortEntry(order=SUBMISSION_TIME, direction=DESCENDING), SortEntry(order=FEATURED, direction=DESCENDING)]
  • clientName_digitalfederalcreditunion


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
  • y_2019, m_2, d_16, h_14CST
  • bvseo_bulk, prod_bvqa, vn_bulk_2.0.11
  • cp_1, bvpage1
  • co_hasquestionsanswers, tq_76
  • loc_en_US, sid_9-1, prod, sort_[SortEntry(order=LOCALE, direction=DESCENDING), SortEntry(order=FEATURED, direction=DESCENDING), SortEntry(order=NUM_ANSWERS, direction=DESCENDING)]
  • clientName_digitalfederalcreditunion

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.


DCU-NORBELLA code Dstillery code MediaQ code Adobe code