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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

How to Qualify:

Maintain Direct Deposit of net pay, Social Security, or pension into this account


DCU Members rated DCU Free Checking 4.7 out of 5 stars 4.8 out of 5 stars filled

What our Members are saying...

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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

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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

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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 2541.
Rated 5 out of 5 by from able to do make a new checking account over the phone was great Fine, Perfect, I had receive great help by using phone call to communicate with the bank agent
Date published: 2019-08-21
Rated 5 out of 5 by from Very friendly customer service and great products Those providing customer service have been very helpful. The application to join was clean cut and I can’t wait to start using all of the products available to me.
Date published: 2019-08-17
Rated 5 out of 5 by from checking checking is fast and simple and they are a full service bank
Date published: 2019-08-17
Rated 5 out of 5 by from The extra mile is rarely crowded. You have three wonderful team members I wanted to commend; Leah, Yolanda, and Variana(?) On, Friday August 9th, I visited the Framingham branch. I was being helped by Variana to make an auto loan payment and mentioned I also wanted to open a checking account/debit. Leah was the teller next to us and mentioned the process could be completed without waiting to be helped by a manager. Yolanda had one foot out the door to leave after her shift, but came back to assist Leah in completing the process, all with a genuine interest to help and a smile. Team work at it's best. DCU really shined in that moment. I left the branch in fifteen minutes with my new checking account and debit card. Thanks! Nick
Date published: 2019-08-10
Rated 5 out of 5 by from Have been a member for several years Always professional and friendly. Always willing to help in any way.
Date published: 2019-08-10
Rated 5 out of 5 by from This checking account has amazing features Going to DCU for all of my banking needs was a no brainer, everything they introduced me to was awesome.
Date published: 2019-08-07
Rated 5 out of 5 by from Communication was a little slow. It fills my needs at the moment even though I had a very difficult time getting things set up.
Date published: 2019-08-05
Rated 5 out of 5 by from This product has great benefits. I have not been a member very long, however thus far I am extremely satisfied with the product and the customer service I have received.
Date published: 2019-08-05
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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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