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Dividend Checking Account

Making your DCU Checking Accounts Even Better

Loyalty Checking | Loyalty Checking Plus | Determine Your Level | Safety and Security | How to Switch to a DCU Checking Account

If dividends on your checking are important to you, DCU Dividend Checking is a great choice. You'll get all the benefits below, plus you'll earn competitive dividends every day your checking balance is $2,500 or more. These dividends are compounded daily and paid monthly.

Your account is free unless your balance drops below $2,500 one or more days during the month. For those months, there is an $8.00 monthly service fee.

DCU's Free Checking, Dividend Checking, and Premier Checking programs already give you exceptional value. However, when you choose to participate in Loyalty Checking or Loyalty Checking Plus, you automatically get many more great benefits that save you money or increase your earnings.

Why do we do this? To repay your loyalty to DCU with additional value. The more you use DCU, the more benefits we can deliver to you and your fellow members. The more you use DCU, the more you'll benefit from the services you use and the extras we provide. Do more, get more.

Basic Checking Benefits with all DCU Checking Accounts

Every DCU member with a checking account enjoys these basic checking benefits whether you choose FREE Checking, Dividend Checking, or Premier Checking...

Free DCU Visa^® Check Card with free purchase transactions – at the register, at the pump, online, by phone, or in person
Free PC Branch internet banking with Free Bill Payer
Free access to all DCU ATMs
Free 24-hour telephone access by Easy Touch Telephone Teller
Free unlimited check writing
Free online check images – At least a year's worth, front and back
Free pre-authorized payments and transfers – Those drawn on your account (such as insurance premiums or utility bills) or deposits into it
Free monthly eStatements – Paper statements are also available
Free Members' Monthly newsletter
Optional overdraft protection through your DCU Visa Credit Card or Equity LinePLUS – with approved credit. Overdraft transfer fee applies.

StreetWise Tip: A guide to selecting and using a checking account is available on our web site. Using a Checking Account is a great guide for the safe and convenient use of this important financial service.

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Loyalty Checking

Loyalty Checking Benefits include all the Basic Checking benefits above plus all these...

Free unlimited ATM transactions at ATMs everywhere – Save $1 per transaction at non-DCU ATMs.
Non-DCU ATM surcharges reimbursed automatically – Up to $5 per month, $60 a year, with no receipts to turn in.
With direct deposit, get paid up to two days early – We credit payroll deposits to your account when we get the transmission – often one or two days before your actual payday!
Free DCU Custom style checks – 50 checks per year.

How to qualify for Loyalty Checking benefits...

With any DCU Checking Account your benefits are automatic every month you:

Maintain Direct Deposit of your net pay, Social Security, or pension into your DCU Checking Account.

OR
Make regular purchases with your DCU Check Card by signature debit (choose credit) or PIN.

Members under age 23 automatically qualify for Loyalty Checking benefits. CashPak is specially designed for members from 17 to 22 to help them get a great financial start.

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Loyalty Checking Plus

Loyalty Checking Plus Benefits include all Loyalty Checking and Basic Checking benefits above plus all these...

Special Loyalty Checking Plus Certificate Rates – When you open or renew a DCU Certificate, you'll automatically receive our best rate for that certificate. Without Loyalty Checking Plus you'll earn ¼% less. Includes IRA Certificates. Cannot be combined with other offers or special rates.
Special Loyalty Checking Plus Loan Rates – With electronic loan payments, you'll pay ½% less than by other payment methods on most consumer loans.
Free DCU Custom style checks – 50 checks per year.
Free DCU Visa^® Gift Cards – a $3.95 savings per card.
Up to One Overdraft Transfer Fee Reimbursed per month – includes overdraft transfers from a Savings Account, Equity LinePLUS, Visa Credit Card, or ACL.

How to qualify for Loyalty Checking Plus benefits

With any DCU Checking Account your benefits are automatic every month you:

Qualify for Loyalty Checking (see above) – AND

Use your DCU Visa Credit Card as your everyday card.

OR
Have an active loan with DCU.

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Determining your Loyalty Checking Level

When you qualify for Loyalty Checking, your account name stays the same in PC Branch and on your statement. To determine your level, you can ...

Ask us in any branch, by email, or phone.
Log into PC Branch and check the message on the account summary screen.

Note that your Loyalty Checking Level is updated at the beginning of each month.

Safety and security

At DCU, each member's savings is federally insured up to $250,000 by the National Credit Union Administration (NCUA), a U.S. Government agency. Individual Retirement Accounts (IRA) are insured separately up to $250,000.

StreetWise Tip: Click on About NCUA Insurance to learn more about federal insurance on your savings and how to maximize coverage.

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Switch Your Checking Account to DCU Today!

Switching your checking account to DCU is easy. Just follow the instructions on our Checking Account Switch Kit and you're on your way.

Not a DCU member yet? Joining is easy and there's no DCU membership fee. Check our Branch/ATM Locator to find your nearest branch, call the Information Center at 508.263.6700 or 800.328.8797, weekdays from 8:00 a.m. to 9:00 p.m. and Saturdays from 9:00 a.m. to 3:00 p.m., Eastern time, or visit our membership page for details.

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

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Digital Federal Credit Union
220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752-9130
508.263.6700 • 800.328.8797