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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 loan rates
    • Free checks
    • Free monthly credit score
  • Get Plus Benefits with Direct Deposit
  • Get Relationship Benefits with Direct Deposit and at least five payments per month (see next tab for details)
  • Available with Free Checking and Dividend Checking

Please refer to Details tab for additional information and important disclosures.

"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 Member benefits of Free Checking and Dividend Checking and . . .

  • Free use of non-DCU ATMs – otherwise $0.75 per transaction
  • Up to $10 per month in non-DCU ATM surcharge reimbursements
  • Special .50% consumer loan rate discount with electronic payment from a DCU account

How Do I Qualify for Plus Benefits?

You'll automatically receive these benefits when you maintain direct deposit1 of your net pay, Social Security, or pension into your DCU Checking Account.

What are Relationship Benefits?

With Relationship benefits, you receive all the Plus and Member benefits and . . .

  • Free DCU Custom-style checks (120 per year)
  • Up to $25 per month in non-DCU ATM surcharge reimbursements

How Do I Qualify for Relationship Benefits?

You'll automatically receive these benefits when you maintain direct deposit1 of your net pay, Social Security, or pension into your DCU Checking Account and make at least five payments per month. Payments include credit and debit card transactions, bill payments, balance transfers, and P2P payments.

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.

Please refer to DCU's Truth-in-Savings Disclosure and Account Agreements, Schedule of Fees and Service Charges, and Electronic Services Disclosure and Agreements.