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  Digital FCU Dividend Checking Account
Digital FCU Dividend Checking Account Unaffiliated

Digital FCU Dividend Checking Account

Unaffiliated
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

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
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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 FCU Dividend Checking Account Review

Digital FCU Dividend Checking Account is offered by DCU savings account, a credit union founded in 1979 and based in Marlborough, MA. Digital FCU Dividend Checking Account are available in 50 states (and Washington, DC).

Key Takeaways

  • Bonus offer. Open a new account and you can get
  • Low APY. The maximum annual percentage yield for this account is only 0.05%.
  • $0 monthly account fees 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 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 up to $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 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.
  • 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 FCU 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 FCU 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 FCU Dividend Checking Account Fees
Description
Monthly Fee $0 - $10
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $0.75
Foreign Transaction Fee (Debit Card) 0%
NSF Fee $30
Overdraft Item Fee $30
Overdraft Protection Fee (per transfer) $5
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
Paper Statement Fee $2
Online Bill Pay Fee $0
Check Copy $1
Debit Card Replacement Fee $10
Early Account Closure $0

Does DCU checking account charge overdraft fees?

Yes, DCU checking account charges a $30 fee for every overdraft. You can get 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 rebates - 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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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.

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

Digital FCU Dividend Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

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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