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 
  • 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


DCCU 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 2.12% 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)

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

Grow checking rates

The Grow Checking accounts are tiered rate accounts. Tiers are based on account balance and activity. If activity requirements are not met, any balance earns the base rate tier of 0.00%. Accounts that meet tier 1 monthly requirements of 10 debit transactions and are enrolled in eStatements earn a tier 1 dividend rate of 0.60% on all balances up to and including $25,000. Balances over $25,000 earn the base rate tier of 0.00%. Accounts that meet tier 2 monthly requirements of 15 debit transactions totaling $250 or greater, and are enrolled in eStatements earn a tier 2 dividend rate of 2.10% on all balances up to and including $25,000. Balances over $25,000 earn the base rate tier of 0.00%. Due to this blended rate structure, the annual percentage yield (APY) varies depending on the balance. Increased balances have decreased yields. 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. Up to 10 free nationwide ATM withdrawals per year ($5 maximum per ATM refund). One Grow checking account per primary member and it is allowed for personal accounts only.

Rewards Checking

DCCU 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:

Rewards Checking Benefits

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 mimimum 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. To learn more about CURewards®click here.

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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