Last Updated: 01/21/2026
Digital FCU Dividend Checking Account
Unaffiliated
Last Updated: 01/21/2026
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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)
0.05%(Verified 06/21/2024)
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Monthly Service Fee
$0 - $10(Verified 01/21/2026)
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Digital FCU Dividend Checking Account Review
The Digital FCU Dividend Checking Account is offered by Digital Federal Credit Union, a credit union founded in 1979 and based in Marlborough, MA. DCU checking account is available in 50 states and Washington, DC.
Key Takeaways
- Low annual percentage yield (APY). The maximum annual percentage yield for this account is only 0.05% .
- $0 monthly account fees available. This account charges a monthly fee of up to $10, but the fee may be waived if you keep a minimum balance of$2,500.
- No minimum initial deposit. There is no minimum balance required to open an account online.
- No ATM fees. Digital FCU Dividend 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 checking account Pros & Cons
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DCU 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 checking account offer?
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| APY (Annual Percentage Yield) | 0.05% | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
DCU checking account offers an APY of 0.05% (APY stands for annual percentage yield, rates may change).
What are the account minimums for DCU checking account?
DCU checking account does not require a minimum initial deposit.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Average Balance to Avoid Monthly Service Fee | Starting at $2,500 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Minimum Opening Deposit | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
What fees does DCU checking account charge?
The good news is that this account does not have a monthly Service Charge.
| Description | |||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Monthly Service Fee | $0 - $10 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| 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 $5 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
| Wire Transfer Fee - US Domestic (Incoming) | Starting at $0 | ||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||||
Does DCU checking account charge overdraft fees?
Yes, DCU checking account charges a $30 fee for every overdraft.What features and perks does DCU checking account offer?
This account includes the following features:
- ATM rebates - This account will reimburse you for domestic ATM fees .
- Fraud monitoring - DCU 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 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 checking account?
The customer support email for DCU checking account is dcu@dcu.org.
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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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Bonus Offer
Starting at $0
Disclaimer popup with additional information
Cashback Rewards
N/A
APY (Annual Percentage Yield)
0.02% - 0.20%
Disclaimer popup with additional information
Monthly Service Fee
$0
Disclaimer popup with additional information
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Learn MoreSuperMoney Net Recommendation Score
Not enough SuperMoney users have reviewed this product to provide a recommendation score or rating.
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Digital FCU Dividend Checking Account Community Reviews
Would you recommend Digital FCU Dividend Checking Account to your friends?
SG
Sara G.
Sep 27, 2022
May or may not recommend
I have been extremely satisfied with this bank and and would definitely recommend. Their Fraud Prevention team alerted me for suspicious activity several times. The first two, it was actually me buying high ticket items for my company, BUT the third time there was an attempt to charge nearly $3k by someone in Hawaii. Just avoiding the headache of trying to recover that should I have not been alerted ...Show More
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