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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 · ncua

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Digital Federal Credit Union Dividend Checking Account

Unaffiliated

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

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Highlights
Monthly Fee $0 - $10
ATM Fee: Out-of-Network $0.75
Minimum Balance to Avoid Monthly Fee Starting at $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
  • Higher than average APY. Digital Federal Credit Union Dividend Checking Account has an annual percentage yield of up to 0.05%, which is higher than the national average interest rate on savings accounts.
  • $0 monthly Service Charge available. This account charges a monthly service 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 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 checking account Pros & Cons
Pros Cons
  • Monthly service fee waived (see terms for requirements).
  • 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.
  • Not FDIC-insured.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a fee on out-of-network ATM transactions.
DCU 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 checking account offer?

Digital Federal Credit Union Dividend Checking Account Rates & Terms
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.

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

What fees does DCU 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

Does DCU checking account charge overdraft fees?

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

DCU checking account offers overdraft protection at a cost of $5 per transaction.

What features and perks does DCU checking account offer?

This account includes the following features:

  • ATM reimbursement - This account will reimburse you for any 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.
  • 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 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 checking account?

The customer support email for DCU checking account is dcu@dcu.org.

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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 Starting at $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
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
  • Insured by NCUA
  • No ATM Fees
  • No Monthly Maintenance Fee
APY (Annual Percentage Yield) 0.05%

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