Minimum Opening Deposit
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
$0.00
Monthly Service Fee
$0.00
Annual Percentage Yield (APY)
0.20% up to $100,000.00 0.02% for balances over $100,000.00
up to 0.10%%
Debit Cards & Using ATMs
Debit Card
$0.00/yr
ATM Fee Reimbursements
If you Receive a Direct Deposit of your net pay, Social Security or pension to your DCU checking account you can receive up to $10.00 per month in non-DCU ATM surcharge reimbursements; If you maintain the Direct Deposit and also make at least 5 payments per month(debit/credit card transactions, bill payments, balance or P2P transfers), you will receive up to $25.00 per month in ATM reimbursements on surcharges for other banks
Yes
Surcharge-Free ATM Access
Surcharge-free ATM access is available at ATMs in the CO-OP, SUM, and NYCE networks.
Yes
Non-affiliated ATM Usage Fee
There is no fee for using a non-affiliated ATM, and fees from the other institution will be reimbursed
$0.00
International ATM Usage Fee
There is a $0.75 fee each time you use a ATM in another country.
$0.75/per use
Electronic & Telephone Banking
Online Bill Pay
Free
Mobile & Text Banking
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.
Free
Deposit Checks with Mobile Phone
This feature is available for the iPhone, iPad, and Android mobile application.
Free
Person-to-Person Payments
Free through DCU PeoplePay
Free
Email Alerts
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.
Included with Online Banking
Automated Phone Banking
Free
Checks & Statements
Unlimited Check Writing
Yes
Free or Discounted Checks
If you receive a Direct Deposit of your net pay, Social Security or pension to your DCU checking acccount & also make at least 5 payments per month(debit/credit card transactions, bill payments, balance or P2P transfers),you will receive 100 free DCU Custom-style checks per year
Yes
Monthly Paper Statements
There is a fee of $2.00 to receive paper statements.
$2.00/month
Check Images with Statements
Images of canceled checks can be included in monthly statements for $1.00.
$1.00/month
Online Statements
Yes
Online Check Images
Yes
Overdrawing the Account
Returned Item Fee
The Insufficient Funds Fee is $15.00 per overdraft.
$15.00/per item
Overdraft Protection
This checking account has 3 options for Overdraft Protection.From a linked Savings Account:- Transfer fee of $5.00. The transfer fee is charged per transaction;- Funds are transferred to bring the account balance to $0.00.From a linked Credit Card Account:- Funds are transferred to bring the account balance to $0.00. No transfer fee, but interest charges do apply.From a linked Equity LinePLUS line of credit:- Funds are transferred to bring the account balance to $0.00. No transfer fee, but interest charges do apply.
Available
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 members never use a DCU branch.