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DCCU Routing # 251483311





Grow Checking

Grow Checking from DCCU pays you dividends for using your debit card each month.



Benefits & Features of a Grow Checking Account

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.

No Monthly Fee

No monthly fees for checking accounts

No Minimum to Open

No mininmum amount you must deposit to open an account

No Minimum Monthly Balance Required

No required balance to keep account active each month

Free Nationwide ATM Withdrawals

Ten (10) free nationwide ATM withdrawals per year ($5 maximum per ATM refund)

Easy Dividend Tracking

Grow Dashboard in Online Banking makes it easy to track your dividends

Debit Card Access

Use your MasterCard Debit Card to pay for purchases and access ATMs

eStatements

Conveniently keep track of your finances with eStatements.

Earn Dividends

Opportunity to earn dividends each month when you use your debit card 10-15 times (up to 1.26% APY on deposits up to $25,000)

Free Bill Payer

If enrolled in eStatements ($6 monthly savings)

Dividend Information

The amount of dividends you earn each month depends on 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 1.25% 1.26% 15 More than $250 10 refunds, up to $5 per refund
2 $25,000.01 and above 0.00%

0.00% to 

1.26%

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 acalendar 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. GrowChecking 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 thebalance 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 1.04% and a Tier 2 Account witha balance of $100,000.00 will have an APY of 0.31%. 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 areall 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.

 


Help Me Decide
Natalie Rudy
The Grow Checking account is most beneficial if you keep a large balance on deposit and hit the minimum debit card swipes each month.
Natalie Rudy
Member Advisor, Woodstock

How to Use Your Grow Checking Account

Debit Card

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.  

DCCU Grow Debit Card

Digital Wallets

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

Yes, a dashboard has been added to your home screen in Online Banking which will allow you to quickly see the status of your rewards. You will also receive alerts when you reach a new threshold.

The Online Banking dashboard allows you to toggle between crossed accounts to review your rewards information, however, you will have to log in to each individual account to review account information beyond the rewards dashboard.

An explanation for how Grow Checking functions can be found here.

Refunded transactions will not count towards the monthly requirements to earn dividends. Additionally, cash back will not count towards the monthly requirements to earn dividends. 

No, fees will be refunded within 24 hours of the transaction.

Grow checking is based on rewarding you for specific actions - enrolling in eStatements and actively using your Debit Card each month. Since you have the entire month to meet the requirements, the program that calculates and posts the dividend isn't run until the last day of every month. Therefore, Online Banking will always show 0.00% which is the base checking rate. You will see the Grow dividend rate and yield on your statement each month when the dividend is posted. 

Transactions can be either signature or PIN, wave, or swipe. However, ATM transactions do not count toward your minimum number.

You can process a stop payment on a check through Online Banking at no charge. This stop payment will last for 6 months.

Contact us to process a stop payment on an ACH withdrawal. There is a $20 fee for this service. This stop payment will remain in effect unless you request to have it removed.

Whether an item clears is based on the funds available in your account, not the actual balance. It is possible to overdraft if the funds are on hold due to an ATM deposit, debit hold, or other holds.

Yes! If you feel that you would receive better benefits from the Rewards Checking account, please contact us, and we will be glad to take care of switching your account for you. A different debit card would be required which we would be glad to mail to you, or you may stop by a Member Center and pick up a new Rewards debit card.

To open a DCCU checking account, simply call us at 540.946.3200 or stop by one of our convenient locations, and we’ll be happy to help you.