What Can DCU Save You?

Plus and Relationship Benefits

Get extra value on your DCU Checking Account

  • Summary
  • Details
Free Checking at DCU
  • Get valuable benefits automatically such as:
    • Free DCU ATM access
    • Monthly ATM surcharge reimbursement
    • Better Certificate rates
    • Better loan rates
    • Free checks
    • Free monthly credit score
  • Get Plus Benefits with 2 of 3 qualifying services
  • Get Relationship Benefits with 3 of 3 qualifying services
  • Available with Free Checking and Dividend Checking

"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

What are Plus Benefits?

With Plus benefits, you receive all the Basic benefits of Free Checking and Dividend Checking and . . .

  • Free use of non-DCU ATMs – otherwise $0.75 per transaction
  • Up to $5 per month in non-DCU ATM surcharge reimbursements

How Do I Qualify for Plus Benefits?

You'll automatically receive these benefits every month you do any two of the following three things . . .

  1. Direct deposit your net pay, Social Security, or pension to your checking account1
  2. Receive all your DCU statements electronically2
  3. Have an active loan with DCU (such as a DCU Visa Credit Card)

What are Relationship Benefits?

With Relationship benefits, you receive all the Plus and Basic benefits 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
  • Up to $15 per month in non-DCU ATM surcharge reimbursements

How Do I Qualify for Relationship Benefits?

You'll automatically receive these benefits every month you do all three of these things . . .

  1. Direct deposit your net pay, Social Security, or pension to your checking account
  2. Receive all your DCU statements electronically2
  3. Have an active loan with DCU (such as a DCU Visa Credit Card)

How to Determine 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.

1 The direct deposit requirement is waived on Plus benefits for members under 23.

2 The eStatement requirement is waived on Plus and Relationship benefits for members 65 and older.