DCCU Routing # 251483311

Rewards Checking

If you definitely love using your debit card, but don't usually keep a large balance in your checking account, then our Rewards account may be a good fit for you.

Benefits & Features of a Rewards Checking Account

Rewards Checking from DCCU allows you to earn rewards for using your checking account. This checking account is ideal for members who don't typically keep a large balance in their checking account but regularly use their debit card. Other benefits and features of a Rewards Checking 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 Benefits Tracking

Rewards Dashboard in Online Banking makes it easy to track your rewards

Debit Card Access

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


Conveniently keep track of your finances with eStatements.

Get Rewarded

Earn CURewards® points that can be redeemed for travel, merchandise, gift cards, cash, or donated to a local charity

Overdraft Forgiveness

DCCU will waive or refund up to three (3) NSF fees per year (a total of $75)

NEW! Early Pay

Automatically get paid up to two days sooner

CURewards® Points Information

The amount of CURewards® points you earn depends on how you use your DCCU Rewards Debit Card.


$ 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

Rewards Dashboard

in Online Banking

IIMore than $2502310 refunds, up to $5 per refund
ILess than $2501310 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.  Redeem your CURewards®  points by logging into Online Banking or the Mobile App. If you do not have access to Online Banking, you can register here or contact 1-866-597-1575 to request a redemption.


Get Paid Sooner with Early Pay

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. 

Happy man in front of yellow background
Help Me Decide
Kyle Scaife
If you tend to keep a lower balance in your account and use a debit card from time to time, you could benefit from the Rewards checking account.
Kyle Scaife
Retail Branch Manager, South High

How to Use Your Rewards 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 Rewards Debit Card

Mobile Wallets

With mobile 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 mobile wallet. Select your mobile wallet below and get started today! 

Rewards 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.

Fees will be refunded within 24 hours of the transaction.

If the account is assessed with a $25 NSF fee, you will automatically be credited 3 fees in a year’s time. The fee will be credited within 24 hours of the fee being assessed.

The $5 fee charged for transferring funds to your checking account to allow a transaction to be processed is not included in the automatic refunds.

Rewards points are based on purchases made with your debit card.  You will earn 1 point for every $4 spent, with the ability to earn double points when your spending reaches $250 or more each month.

No, it will take approximately three days after the end of the month for your earned points to show up on your rewards dashboard.

Yes, your points can be combined with your other Rewards debit card(s).  To make this request you may contact us for assistance.

Yes, your points can be combined with points earned with your DCCU Platinum Rewards credit card(s) as well.  To make this request, you may contact us for assistance.

You can redeem your points by selecting the ‘Open my CURewards’ link under the Rewards Dashboard in Online Banking.

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 by phone, email, or stop by an office location 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.

You will be reimbursed for ten (10) non-DCCU ATM fees incurred nationwide.  There are a few reasons you may not have seen a refund:

  • It’s been less than 24 hours since you made the withdrawal – it may take up to 24 hours for you to see the refund in your account
  • You’ve already been reimbursed for ten non-DCCU ATM withdrawals – log into Online Banking, and view your Rewards dashboard to track your benefits

You may have been reimbursed for the fee incurred by the other financial institution, and may still see $0.50 on your account.  This is a credit union fee and is not waived as part of your account benefits.  To have this fee waived, you must sign up to receive eStatements.

Yes!  If you feel that you would benefit from the increased interest of a Grow checking account rather than the points offered in Rewards checking, please contact us, and we will be glad to take care of switching your account for you.  You will need a new debit card, which can be mailed to you, or simply stop by a branch at your convenience, and have a new card printed while you wait. Keep in mind, you will need to redeem your available rewards points before switching or they will be forfeited. 

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.

Convenient Locations

DCCU has 14 convenient locations to serve your financial needs. 

We are federally insured by the NCUA

The NCUA provides all members of federally insured credit unions with $250,000 in coverage.

The Credit Union Difference

Founded in 1959, our mission is to be a financial wellness partner for our members while supporting the community.