Digital FCU Free Checking Account

Digital FCU Free Checking Account Review

Digital FCU Free Checking Account is offered by Digital Federal Credit Union, a credit union founded in 1979 and based in Marlborough, MA. Digital FCU 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.
• $0 monthly fee. This account does not charge a monthly Service Charge.
• No minimum initial deposit. There is no minimum balance required to open an account.
• 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

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).

What are the account minimums for DCU Free checking account?

DCU Free checking account does not require a minimum initial deposit.

What fees does DCU Free checking account charge?

The good news is that this account does not have a monthly Service Charge.

Does DCU Free checking account charge overdraft fees?

DCU Free checking account offers 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.

How do people rate the customer service and user experience of DCU Free checking account?

Overall, DCU Free checking account is mostly not recommended based on community reviews that rate customer service and user experience.