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  Digital Federal Credit Union Dividend Checking Account
Digital Federal Credit Union Dividend Checking Account Unaffiliated

Digital Federal Credit Union Dividend Checking Account

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Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.05%
Monthly Fee $0 - $10
Minimum Balance to Avoid Monthly Fee Starting at $2,500

Digital Federal Credit Union Dividend Checking Account Review

Digital Federal Credit Union Dividend Checking Account is offered by Digital Federal Credit Union, founded in 1979 and based in Marlborough, MA. Digital Federal Credit Union Dividend Checking Account is available in 51 states across the USA.

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.
  • Charges a monthly fee. 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.
DCU checking account Pros & Cons
Pros Cons
  • Available in all 50 states.
  • Interest-yielding account.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • 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?

No, your Digital Federal Credit Union checking accounts are not insured by a federal insurance agency. This means that if Digital Federal Credit Union were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

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?

This account charges a monthly service fee of up to $10.

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 Starting at $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:

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.
  • 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

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 Starting at $0.75
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Residence
  • U.S. Tax Identification Number
  • Social Security Number
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
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.05%

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