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  Digital Federal Credit Union Dividend Checking Account

Digital Federal Credit Union Dividend Checking Account

in Checking Accounts from Digital Federal Credit Union · Member ncua

Unaffiliated

Digital Federal Credit Union Dividend Checking Account

Unaffiliated

in Checking Accounts from Digital Federal Credit Union · Member NCUSIF

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Highlights
Monthly Fee $0 - $10
ATM Fee: Out-of-Network $0.75
Minimum Balance to Avoid Monthly Fee $2,500
APY (Annual Percentage Yield) 0.05%

Digital Federal Credit Union Dividend Checking Account Review

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

Key Takeaways
  • Low APY. The maximum annual percentage yield for this account is only 0.05%.
  • $0 monthly maintenance fee available. This account charges a monthly maintenance fee of up to $10, but the fee is waived if you keep a minimum balance of $2,500.
  • No minimum initial deposit. There is no minimum balance required to open an account.
  • No ATM fees. Digital Federal Credit Union Dividend 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 the ATM fees charged by other financial institutions.
  • Free 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.
  • Hard credit pull. Digital Federal Credit Union may require a hard pull on your credit report to open a checking account.
Digital Federal Credit Union Dividend Checking Account Pros & Cons
Pros Cons
  • Monthly mainteance fee can be waived.
  • Available in all 50 states.
  • Interest-yielding account.
  • Deposits are insured by the NCUA (up to $250K).
  • Access to physical branches.
  • Free debit card
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a fee on out-of-network ATM transactions.
Digital Federal Credit Union Dividend 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 person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. 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 Digital Federal Credit Union Dividend Checking Account offer?

Digital Federal Credit Union Dividend Checking Account Rates & Terms
Description
APY (Annual Percentage Yield) 0.05%

Digital Federal Credit Union Dividend Checking Account offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).

What are the account minimums for Digital Federal Credit Union Dividend Checking Account?

Digital Federal Credit Union Dividend Checking Account does not require a minimum initial deposit.

Digital Federal Credit Union Dividend Checking Account Account Minimums
Description Amount
Minimum Opening Deposit $0
Minimum Balance to Avoid Monthly Fee $2,500

What fees does Digital Federal Credit Union Dividend Checking Account charge?

The good news is that this account does not have a monthly service charge.

Digital Federal Credit Union Dividend 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 - $10
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) $5
Returned Deposit Fee (International) $5
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

What features and perks does Digital Federal Credit Union Dividend Checking Account offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for the ATM fees charged by other networks.
  • Fraud monitoring - Digital Federal Credit Union Dividend Checking Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
  • Get paid early - If you fund your account with a payroll direct deposit and request this service, you can collect your salary early.
  • Mobile Banking Services - Digital Federal Credit Union Dividend Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Contact

  • Headquarters
  •   220 Donald Lynch Boulevard
    PO Box 9130
    Marlborough, MA 01752 USA
  •   Visit Site

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

Other Services by Digital Federal Credit Union

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View all checking accounts offered by Digital Federal Credit Union

Availability

  Available in 50 states and Washington, D.C.
  • Alabama
  • Alaska
  • Arizona
  • Arkansas
  • California
  • Colorado
  • Connecticut
  • Delaware
  • Washington, DC
  • 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
  • West Virginia
  • Wisconsin
  • Wyoming

Feature Breakdown

Minimum Opening Deposit Starting at $0
Minimum Balance to Avoid Monthly Fee $2,500
ATM Fee: In-Network $0
Early Account Closure $0
Foreign Transaction Fee (Debit Card) 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
Monthly Fee $0 - $10
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $5
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $5
Returned Deposit Fee (International) $5
Stop Payment Fee $25
Wire Transfer Fee - Domestic (Outgoing) $15
Wire Transfer Fee - International (Outgoing) $50
ATM Fee: Out-of-Network $0.75
Bank Account Features
  • ATM Reimbursement
  • Bauer Financial A+/A Rating
  • Branch Access
  • Debit Card
  • Fraud Monitoring
  • Fraud Protection
  • Free Bill Pay
  • Get Paid Early
  • Interest Bearing Account
  • Mobile Banking
  • Mobile Check Deposit
  • Nationwide ATM Network
  • NCUA Member
  • No ATM Fees
  • No Monthly Maintenance Fee
APY (Annual Percentage Yield) 0.05%

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