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  Digital Federal Credit Union Free Checking Account

Digital Federal Credit Union Free Checking Account

in Checking Accounts from Digital Federal Credit Union · ncua

Unaffiliated

Digital Federal Credit Union Free Checking Account

Unaffiliated

in Checking Accounts from Digital Federal Credit Union · Insured by NCUA

Net Recommendation Score 0

SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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Highlights
Community Rating

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Monthly Fee $0
ATM Fee: Out-of-Network $0.75
Minimum Balance to Avoid Monthly Fee Starting at $0
APY (Annual Percentage Yield) 0.05% - 0.5%

Digital Federal Credit Union Free Checking Account Review

Digital Federal Credit Union Free Checking Account is offered by Digital Federal Credit Union, a credit union founded in 1979 and based in Marlborough, MA. Digital Federal Credit Union Free Checking Account is available in 50 states (and Washington, DC).

Key Takeaways
  • Higher than average APY. Digital Federal Credit Union Free Checking Account has an annual percentage yield of up to 0.5%, 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 Federal Credit Union 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 reimbursements. 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
Pros Cons
  • Available in all 50 states.
  • Dividend-yielding account
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Higher than average wire transfer fees.
  • Charges a fee on out-of-network ATM transactions.
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 0.05% and ranging up to 0.5% (APY stands for annual percentage yield, rates may change).

DCU Free checking account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.05% - 0.5%

What are the account minimums for DCU Free checking account?

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

Digital Federal Credit Union Free Checking Account Minimums
Description
Minimum Combined Balance to Avoid Monthly Fee $0
Minimum Direct Deposit to Avoid Monthly Fee $0
Minimum Opening Deposit Starting at $0
Minimum Balance 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.

Digital Federal Credit Union Free Checking Account Fees
Description
ATM Fee: In-Network $0
Check Copy $1
Debit Card Replacement Fee $10
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
NSF Fee $30
Online Bill Pay Fee $0
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $5
Paper Statement Fee $2
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
ATM Fee: Out-of-Network $0.75

Does DCU Free checking account charge overdraft fees?

Yes, DCU Free checking account charges a $30 fee for every overdraft.

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 reimbursement - 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 recommended based on community reviews that rate customer service and user experience.

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Message From Digital Federal Credit Union Free Checking Account

Stop paying big banks fees. Save with a DCU Checking Account. Free Checking! Helping you spend, save, and earn 10x the national average all in one account. If your checking account is at a big bank, chances are you're paying big fees or getting little in return for the huge minimum balance you're required to maintain. But, if you're using a Free Checking account from DCU, things are more than a little different.

Availability

  Available in 50 states and Washington, D.C.
  • Alaska
  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Washington, DC
  • Delaware
  • Florida
  • Georgia
  • Hawaii
  • Iowa
  • Idaho
  • Illinois
  • Indiana
  • Kansas
  • Kentucky
  • Louisiana
  • Massachusetts
  • Maryland
  • Maine
  • Michigan
  • Minnesota
  • Missouri
  • Mississippi
  • Montana
  • North Carolina
  • North Dakota
  • Nebraska
  • New Hampshire
  • New Jersey
  • New Mexico
  • Nevada
  • New York
  • Ohio
  • Oklahoma
  • Oregon
  • Pennsylvania
  • Rhode Island
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Vermont
  • Washington
  • Wisconsin
  • West Virginia
  • Wyoming

Feature Breakdown

ATM Fee: In-Network $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 0%
Monthly Fee $0
Online Bill Pay Fee $0
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - International (Incoming) $0
Check Copy $1
Debit Card Replacement Fee $10
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $5
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $30
Returned Deposit Fee (International) $30
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $0.75
Account Features
  • No ATM Fees
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Interest Bearing Account
  • ATM Reimbursement
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Get Paid Early
  • Bauer Financial A+/A Rating
  • Insured by NCUA
  • Branch Access
  • Check Writing
APY (Annual Percentage Yield) 0.05% - 0.5%

Digital Federal Credit Union Free Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is mostly not recommended by SuperMoney users with a score of 0, equating to 3 on a 5 point rating scale.

0

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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