
Digital FCU Free Checking Account
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Community Rating |
Rating not yet determined |
Cashback Rewards | N/A |
APY (Annual Percentage Yield) |
0.02% - 0.20% (Verified 08/08/2022) |
Monthly Fee | $0 |
Minimum Balance to Avoid Monthly Fee | Starting at $0 |
Digital FCU Free Checking Account Review
Digital FCU Free Checking Account is offered by DCU savings account, a credit union founded in 1979 and based in Marlborough, MA. Digital FCU Free Checking Account are available in 50 states (and Washington, DC).
Key Takeaways
- Bonus offer. Open a new account and you can get
- Higher than average APY. Digital FCU Free Checking Account has an annual percentage yield of up to 0.20%, which is higher than the national average interest rate on savings accounts.
- $0 monthly fee. This account does not charge any monthly account fees.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Digital FCU Free Checking Account does not charge fees on ATM transactions within its network but there is a fee of up to $0.75 for out-of-network ATM transactions.
- ATM fee rebates. This account will reimburse you for ATM fees (see terms and conditions for details).
- Bill pay. Pay your bills to practically anyone in the United States through Digital Federal Credit Union.
- Early direct deposit. Get access to you paycheck funds faster If you set up a direct deposit to this account.
DCU Free checking account Pros & Cons
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DCU Free checking account FAQ
Are checking accounts from Digital Federal Credit Union federally insured?
Yes, your Digital Federal Credit Union checking accounts are insured up to $250,000 per share owner for each account ownership category. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does DCU Free checking account offer?
DCU Free checking account offers an APY starting at 0.02% and ranging up to 0.20% (APY stands for annual percentage yield, rates may change).
Rates | Amount |
---|---|
APY (Annual Percentage Yield) | 0.02% - 0.20% |
What are the account minimums for DCU Free checking account?
DCU Free checking account does not require a minimum initial deposit.
Description | |
---|---|
Minimum Opening Deposit | Starting at $0 |
Minimum Balance to Avoid Monthly Fee | Starting at $0 |
Minimum Combined Balance to Avoid Monthly Fee | $0 |
Minimum Direct Deposit to Avoid Monthly Fee | Starting at $0 |
What fees does DCU Free checking account charge?
The good news is that this account does not have a monthly Service Charge.
Description | |
---|---|
Monthly Fee | $0 |
ATM Fee: In-Network | $0 |
ATM Fee: Out-of-Network | Starting at $0.75 |
Foreign Transaction Fee (Debit Card) | 0% |
NSF Fee | $30 |
Overdraft Item Fee | $30 |
Overdraft Protection Fee (per transfer) | $5 |
Returned Deposit Fee (Domestic) | $30 |
Returned Deposit Fee (International) | $30 |
Stop Payment Fee | $25 |
Wire Transfer Fee - Domestic (Incoming) | $0 |
Wire Transfer Fee - Domestic (Outgoing) | $15 |
Wire Transfer Fee - International (Incoming) | $0 |
Wire Transfer Fee - International (Outgoing) | $50 |
Paper Statement Fee | $2 |
Online Bill Pay Fee | $0 |
Check Copy | $1 |
Debit Card Replacement Fee | $10 |
Early Account Closure | $0 |
Does DCU Free checking account charge overdraft fees?
Yes, DCU Free checking account charges a $30 fee for every overdraft. You can get overdraft protection at a cost of $5 per transaction.What features and perks does DCU Free checking account offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for any domestic ATM fees.
- Fraud monitoring - DCU Free checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
- Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
- Get paid early - If you set up direct deposit with your employer and request this service, you can collect your salary early.
- Mobile Banking Services - DCU Free checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.
- Nationwide ATM network - Conveniently transact at a nearby ATM.
What is the customer support email for DCU Free checking account?
The customer support email for DCU Free checking account is dcu@dcu.org.
Message From DCU Free checking account
Contact
- Headquarters
-
220 Donald Lynch Boulevard
PO Box 9130
Marlborough, MA 01752 USA - (508) 263-6700
- Visit Site
- Email Support
Other Services by Digital Federal Credit Union
Availability
- Alabama
- Alaska
- Arizona
- Arkansas
- California
- Colorado
- Connecticut
- Delaware
- Florida
- Georgia
- Hawaii
- Idaho
- Illinois
- Indiana
- Iowa
- Kansas
- Kentucky
- Louisiana
- Maine
- Maryland
- Massachusetts
- Michigan
- Minnesota
- Mississippi
- Missouri
- Montana
- Nebraska
- Nevada
- New Hampshire
- New Jersey
- New Mexico
- New York
- North Carolina
- North Dakota
- Ohio
- Oklahoma
- Oregon
- Pennsylvania
- Rhode Island
- South Carolina
- South Dakota
- Tennessee
- Texas
- Utah
- Vermont
- Virginia
- Washington
- Washington, DC
- West Virginia
- Wisconsin
- Wyoming
Feature Breakdown
Minimum Opening Deposit | Starting at $0 |
Minimum Balance to Avoid Monthly Fee | Starting at $0 |
Minimum Combined Balance to Avoid Monthly Fee | $0 |
Minimum Direct Deposit to Avoid Monthly Fee | Starting at $0 |
Digital FCU Free Checking Account Community Reviews
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