"Free Checking" from Digital Credit Union (DCU)

The Basics

Minimum Opening Deposit
 
$0.00
This account can be opened with any amount.

You can be eligible for a DCU membership through the community in which you reside, a family member, an employer, or an organization you're affiliated with.

You must also have a DCU Savings Account with at least a $5 balance to be a member
Monthly Maintenance Fee $0.00

Debit Cards & Using ATMs

Debit Card $0.00/yr
Surcharge-Free ATM Access
 
Yes
Surcharge-free ATM access is available at ATMs in the CO-OP, SUM, and NYCE networks.
ATM Fee Reimbursements
 
Yes
Receive up to $10.00 a month in non-DCU ATM surcharge reimbursements if you qualify by meeting 2 of these 3 requirements:
- Receive a Direct Deposit of your net pay, Social Security or pension to your DCU checking acccount;
- Receive all your DCU monthly statements electronically;
- Have an active loan with DCU (e.g. Visa credit card, auto loan, mortgage, equity loan).
If you meet all three qualifications, you can receive up to $25.00 a month in non-DCU ATM surcharge reimbursments
Non-affiliated ATM Usage Fee
 
$0.75/per use
There is a $0.75 fee each time you use a non-affiliated ATM.

There is no fee for using a non-affiliated ATM if you qualify by meeting 2 of these 3 requirements:
- Receive a Direct Deposit of your net pay, Social Security or pension to your DCU checking acccount;
- Receive all your DCU monthly statements electronically;
- Have an active loan with DCU (e.g., Visa credit card, auto loan, mortgage, equity loan).
International ATM Usage Fee
 
$0.75/per use
There is a $0.75 fee each time you use a ATM in another country.

Electronic & Telephone Banking

Online Banking
 
Free
In addition to the standard online banking features, this service includes:
- Remote deposit of checks by fax or scanned image;
- Personal finance tools for budgeting and planning;
- Secure online document storage.
Email Alerts
 
Included with Online Banking
This Email Alert feature enables you to receive:
- Warnings when your balance falls below a certain threshold;
- Notice of deposits or withdrawals over a certain threshold.
Online Bill Pay Free
Mobile & Text Banking
 
Free
This institution supports:
- A text messaging service to receive alerts;
- A mobile-browser website to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs;
- An iPhone and iPad application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs and deposit checks;
- An Android application to view account balances, view recent activity, transfer funds, pay bills, receive alerts, locate ATMs and deposit checks.
Deposit Checks with Mobile Phone
 
Free
This feature is available for the iPhone, iPad, and Android mobile application.
Person-to-Person Payments
 
Free
Free through DCU PeoplePay
Automated Phone Banking Free

Checks & Statements

Unlimited Check Writing Yes
Free or Discounted Checks
 
Yes
Receive 120 free DCU 'Basic' checks each year if you qualify by meeting all of the following requirements:
- Receive a Direct Deposit of your net pay, Social Security or pension to your DCU checking acccount;
- Receive all your DCU monthly statements electronically;
- Have an active loan with DCU (e.g. Visa credit card, auto loan, mortgage, equity loan).
Monthly Paper Statements
 
$2.00/month
There is a fee of $2.00 to receive paper statements.
Check Images with Statements
 
$1.00/month
Images of canceled checks can be included in monthly statements for $1.00.
Online Statements Yes
Online Check Images Yes

How To Reach Digital Credit Union (DCU)

Call: 8800.328.8797

About Digital Credit Union (DCU)

Digital Federal Credit Union, better known as DCU, is a not-for-profit financial cooperative owned by and operated for our members. DCU was chartered in October of 1979. Since then, DCU has been chosen as the credit union for more than 800 companies and organizations.

DCU serves more than 388,000 members and their families in all 50 states. With headquarters in Marlborough, Massachusetts, DCU is the largest credit union headquartered in New England as measured by assets and is among the top 25 nationwide.

Members access their accounts at DCU through the Internet, ATMs, telephone, community branches in Massachusetts and New Hampshire, as well as thousands of CU Service Center locations nationwide. In fact, half of DCU's members never use a DCU branch.

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We conduct our own research for all the institutions listed.

Our branch location database is sourced from the FDIC and is updated with information provided by banks and credit unions.

All deposit accounts in FindABetterBank are insured by the FDIC or NCUA.

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