Checking Accounts

Most of us need a checking account in order to access our paychecks to purchase our needs and wants. The question then becomes which checking account is right for you? We keep it simple at DCCU with just two choices:

Compare both accounts to how you spend and save to determine which is the better choice for you.

Whichever account you choose, they both feature:

  • No monthly fee
  • No minimum to open
  • No minimum monthly balance required

Funny thing … we still call it a checking account even though more people now pay with debit cards than checks.

Switching to DCCU is easy. Use our Switch Kit to become a member!


“Grow Green” is our play on words … grow your green (aka money) while also going “Green” with eStatements to save a few trees. Your combined actions of:

allows us to return our savings to you with a high dividend rate.

This account is right for you if you:

  • Love using your Visa Debit Card
  • Value easy-to-store eStatements which arrive faster than paper statements that are mailed
  • Maintain a Checking balance (but not more than $25,000)

If this account sounds better than the account you have now, don’t let the “hassle” of switching accounts stand in your way. We’ll be happy to help you make the switch. It’s not as hard as you think, even with Direct Deposit.

Click here to find merchants where you can “Wave” your Grow Green Visa Debit Card, keep in mind you can swipe this card too!


If you don’t typically keep a large balance in your checking account but definitely love using your debit card, then our Rewards Checking may be the better option for you.

For every $4 in net purchases you’ll earn 1 CURewards point which can be used for free gift cards, merchandise, and travel. There’s no fee to the program. To learn more, visit the CURewards link at the right.

The more you use your debit card to pay for purchases and pay bills, the faster your points will add up. It’s that easy, use your debit card instead of writing checks whenever possible. We then pass the savings onto you with Rewards!


DCCU provides a free Visa Debit Card for use with our Checking Accounts to pay for purchases and access ATMs.

The Visa logo means you’re protected. With Verified by Visa® you can use your Debit Card to shop with added safety from any computer with Internet access. In addition, with Visa Zero Liability it’s guaranteed that you won’t be held responsible for fraudulent charges made with your card or account information.

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.


140 Lucy Lane P.O. Box 1365, Waynesboro, VA 22980


Federally insured by NCUA