DCCU Routing # 251483311
DCCU Routing # 251483311
Grow Checking from DCCU pays you dividends when you use your debit card each month. This checking account is ideal for members who prefer using their debit card while earning dividends based on the amount of money they keep in their account. Other benefits and features of a Grow account are included below.
The amount of dividends you earn each month depends on how many times you use your DCCU Grow Debit Card. Rates accurate as of 01/01/2023 and are subject to change. Fees may reduce earnings.
|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||%%grow-check-tier2.rate%%||%%grow-check-tier2.apy%%||15||More than $250||✓||10 refunds, up to $5 per refund|
|2||$25,000.01 and above||%%grow-check-tier2-25000.rate%%|
|15||More than $250||✓||10 refunds, up to $5 per refund|
|1||$25,000 and under||0.35%||0.35%||10||--||✓||10 refunds, up to $5 per refund|
|1||$25,000.01 and above||0.00%|
0.00% to 0.35%
|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 4.17 % and a Tier 2 Account with a balance of $100,000.00 will have an APY of 1.25 %. 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.
Early Pay now gives you access to eligible direct deposits to DCCU accounts – including paychecks, retirement, and social security – up to two business days sooner. No enrollment required.
How to Use Your Grow Checking Account
DCCU provides a free Mastercard® Debit Card for use with our checking accounts to pay for purchases and to 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.
With digital wallets and your personal DCCU debit or credit card you can make purchases in-store, in-app, and online. Enjoy the same great rewards and benefits you have with your DCCU cards with the added security and convenience of a digital wallet. Select your digital wallet below and get started today!
Grow Checking FAQs
OTHER DCCU PRODUCTS
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