DCCU Checking

If you're still paying for checking, it's time to switch to DCCU - stop paying for your checking account and get something back instead! DCCU offers two types of checking accounts to meet your needs. Both accounts feature:

  • No monthly fee Grow checking dashboard
  • No minimum to open
  • No minimum monthly balance required
  • Ten (10) Free nationwide ATM withdrawals per year ($5 maximum per ATM refund)
  • Rewards dashboard within Online Banking to make it easy to track your benefits

Already a member? Stop by one of our convenient locations or call 540.946.3200 to open a checking account today!

DCCU Debit Cards

DCCU provides a free Mastercard® Debit Card for use with our checking accounts to pay for purchases and access ATMs.

If you have joint owners on your checking account, both members receive their own debit card with its own number and PIN. If one card is lost or stolen, the other member isn’t inconvenienced.

Grow Checking


D C C U Grow CheckingGrow Checking from DCCU pays you dividends when you use your debit card each month. Ideal for members who prefer to use their debit card and enjoy eStatements, benefits of a Grow account (with eStatements) include:

  • Opportunity to earn dividends each month (up to 1.51% APY on deposits up to $25,000) 
  • Free Bill Payer ($6 monthly savings)
  • DCCU's Foreign ATM fee is waived ($0.50 savings per transaction)
  • Rewards Dashboard in Online Banking

The amount of dividends you earn each month depends upon how many times you use your DCCU Grow debit card:

Tier Account Balance Dividend Rate APY* # of Debit Card Transactions per Month $ Amount of Debit Card Purchases per Month eStatements Nationwide ATM Refunds
2 $25,000 and under 1.50% 1.51% 15 More than $250 10 refunds, up to $5 per refund
2 $25,000.01 and above 0.00% 0.00% to 1.51% 15 More than $250 10 refunds, up to $5 per refund
1 $25,000 and under 0.50% 0.50% 10 10 refunds, up to $5 per refund
1 $25,000.01 and above 0.00% 0.00% to 0.50% 10 10 refunds, up to $5 per refund
Base 0.00% 0.00% 10 refunds, up to $5 per refund

The Grow Checking accounts are tiered rate accounts. Tiers are based on account balance and activity. If activity requirements for Tier 1 or Tier 2 are not met, any balance earns the dividend rate and APY for the Base Tier. Grow Checking Tier 1 Accounts are Grow Checking accounts with 10 or more debit transactions during a calendar month (as determined at the end of each calendar month) and enrolled in eStatements. Grow Checking Tier 1 Accounts may earn a dividend on all balances up to and including $25,000.00. Grow Checking Tier 1 Account balances over $25,000.00 earn the dividend rate for the Base Tier. Grow Checking Tier 2 Accounts are Grow Checking accounts with 15 or more debit transactions with net purchases totaling at least $250.00 during a calendar month (as determined at the end of each calendar month) and enrolled in eStatements. Grow Checking Tier 2 Accounts may earn a dividend on all balances up to and including $25,000.00. Grow Checking Tier 2 Account balances over $25,000.00 earn the dividend rate for the Base Tier. Because of the blended rate structure of Tier 1 and Tier 2 Accounts with balances exceeding $25,000.00, the APY varies depending on the balance. For the sake of calculating APY, if the account balance exceeds $25,000.00 or compounded dividends cause the balance to exceed $25,000.00, the APY is determined on a multi-tiered basis with the rate applicable to the amount up to $25,000.00 as set forth above being applied to that balance and the Base Tier rate being applied to the amount of the balance exceeding $25,000.00. Thus, increased balances may have decreased yields. For example; a Tier 2 Account with a balance of $30,000.00 will have an APY of 1.25% and a Tier 2 Account with a balance of $100,000.00 will have an APY of 0.38%. A Grow Checking Account which satisfies the requirements for both Tier 1 and Tier 2 Accounts will be deemed a Tier 2 Account. Net purchases are all of your debit card purchases minus all refunds, Cash-Back, or credit transactions to your debit card number within the calendar month. Up to 10 free nationwide ATM withdrawals per year ($5.00 maximum per ATM refund). Grow Checking accounts are limited to one per primary member and to personal accounts only.

Rewards Checking

D C C U Rewards CheckingIf you don’t typically keep a large balance in your checking account but definitely love using your debit card, then our Rewards account may be the better option for you. In addition to the benefits outlined above, benefits of a Rewards account include:

  • Opportunity to earn CURewards® points that can be redeemed for travel, merchandise, gift cards, cash, or donated to a local charity
  • Overdraft forgiveness - DCCU will waive three (3) NSF fees per year (a total value of $75)

The amount of CURewards® points you earn depends on how you use your DCCU Rewards debit card:

Tier $ Amount of Debit Card Purchases per Month CURewards® Points Earned for Every $4 in Net Purchases NSF Fees Waived per Year Nationwide ATM Refunds per Year Reward Dashboard in Online Banking
II More than $250 2 3 10 refunds, up to $5 per refund
I Less than $250 1 3 10 refunds, up to $5 per refund

Rewards points granted based on debit card usage. Net purchases are all of your debit card purchases minus all refunds or credit transactions to your debit card number within the calendar month. No minimum balance required. DCCU will waive up to 3 NSF fees per calendar year. Up to 10 free nationwide ATM withdrawals per year ($5 maximum per ATM refund).

If you have a joint account, points from both debit cards can be combined into one Rewards account. If you have a DCCU Mastercard Rewards credit card, the points you earn from your credit card can also be combined into a single Rewards account with your debit card points. Learn more about CURewards®.

Overdraft Protection

No one likes to overdraw their checking account, but sometimes it happens. DCCU offers three options to protect yourself from “bouncing” a check or overdrawing your account by a debit card purchase:

  1. Automatic transfer from Savings – exact amount of money needed to bring your balance to $0 is transferred. Fee charged.
    1. There is no loan application since you're using your own funds to cover the overdraft.
    2. A $5 fee will be charged each time a transfer is required.
  2. Overdraft Protection Line of Credit – money in $100 increments is transferred from this line of credit tied to your Checking Account. Interest accrues until paid back.
    1. An application is required since this is a line of credit.
    2. No fee is charged, but interest will be charged once the line of credit is accessed.
    3. Interest is only charged on funds that are transferred to cover the overdraft. If no money is transferred, no interest is charged.
    4. Because Overdraft Protection is a line of credit, it can be re-used once the advanced amount is repaid.
  3. Overdraft Privilege – (also called Courtesy Pay) DCCU pays the item for you, taking your account negative, you must bring balance back to $0 or greater within two weeks. Fee charged.
    1. No application is required, but credit is reviewed when account is opened.
    2. A $25 fee is charged each time a transfer is required.

Having a form of overdraft protection reduces the cost of paying returned check/item fees to merchants. You may opt to have more than one form of Overdraft Protection and prioritize the order in which they are used. Any type of Overdraft Protection covers all types of transactions that might overdraw your account, including:

  • Checks
  • Debit transactions
  • ATM withdrawals
  • Automatic transfers via ACH (i.e. electronically)

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