Last Updated: 01/21/2026
Digital FCU Free Checking Account
Unaffiliated
Last Updated: 01/21/2026
Not enough votes for recommendation
Rating not yet determined3 total votes
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Highlights
Welcome Offer
Starting at $0(Verified 06/21/2024)
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Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.02% - 0.20%(Verified 06/21/2024)
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Monthly Service Fee
$0(Verified 01/21/2026)
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Digital FCU Free Checking Account Review
The Digital FCU Free Checking Account is offered by Digital Federal Credit Union, a credit union founded in 1979 and based in Marlborough, MA. DCU Free checking account is available in 50 states and Washington, DC.
Key Takeaways
- 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.
- No monthly maintenance fees. 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 $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 when you enroll in Digital Federal Credit Union mobile or online banking.
- Early direct deposit. You could have access to you paycheck funds faster if you set up a direct deposit to this account.
DCU Free checking account Pros & Cons
| Pros | Cons |
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DCU Free checking account FAQ
Are checking accounts from DCU savings account federally insured?
Yes, your 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 Average Balance to Avoid Monthly Service Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Combined Balance to Avoid Monthly Maintenance 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 Service Fee | $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Paper Statement Fee | Starting at $2 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: In-Network | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| ATM Fee: Out-of-Network (within the U.S.) | Starting at $0.75 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| NSF Fee | $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Overdraft Item Fee | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Early Account Closure | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (Domestic) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Card Replacement Fee (Standard Delivery) | Starting at $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Online Bill Pay Fee | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Stop Payment Fee | Starting at $25 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Check Copy | $1 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Foreign Transaction Fee (Debit Card) | Starting at 0% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Outgoing) | Starting at $15 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Outgoing) | Starting at $50 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - International (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Returned Deposit Fee (International) | Starting at $30 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does DCU Free checking account charge overdraft fees?
Yes, DCU Free checking account charges a $30 fee for every overdraft.What features and perks does DCU Free checking account offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for 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.
- Eligible for early pay - If you set up an eligible direct deposit with your employer, you may be able to collect your paycheck up to two days early.
- Mobile Banking Services - DCU Free checking account allows you to manage your money online or with a mobile app. This includes depositing checks1 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.
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Message from DCU Free checking account
Contact
Headquarters
Hours of Operation
Sunday
Closed
Monday
9:30AM - 5:00PM
Tuesday
9:30AM - 5:00PM
Wednesday
9:30AM - 5:00PM
Thursday
9:30AM - 5:00PM
Friday
9:30AM - 5:00PM
Saturday
Closed
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Rating not yet determined
Bonus Offer
Starting at $0
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.05%
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Monthly Service Fee
$0 - $10
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
-33
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No one recommends
Everyone recommends
Digital FCU Free Checking Account Community Reviews
Would you recommend Digital FCU Free Checking Account to your friends?
KC
Kawanis C.
Feb 29, 2024
May or may not recommend
I have mixed experiences with DCU. While on the one hand, they have awesome services, on the other hand, you can get frustrated banking with them.
I opened a DCU Free Checking Account last December and it was all smooth sailing until February. Their next-day ACH service is a major catch, only a few banks allow you to send an ACH deposit today and receive it the next day. I ...Show More
U
Anonymous
Mar 14, 2022
May or may not recommend
I had to chose the Account type.. so just chose one. But this review applies to overall DCU.
I've been member of DCU for over 20 years. It use to be really good. But in last couple years their service is deteriorated to the level that I'd move over to another financial institution.
When you get scammed of no your fault, DCU will not be with you. They will not be ...Show More
U
Anonymous
Aug 2, 2015
May or may not recommend
Like many credit unions, Digital Federal can be more flexible about approving loans than most banks. The hours tend to be limited, though, which might present problems if you need to settle a dispute. Overall, a good credit union.
Showing 3 of 3 reviews
