We have a range a checking accounts. Consult the chart below to find your best fit, then click Open Account to get your new account started.

Select One of the Following Checking Account Options  
Express Preferred Preferred Plus Money Market Free 4 Me (18-25 years)
No minimum balance $100 minimum balance for no monthly fee No minimum balance $2,000 minimum balance No minimum balance
No free checks First order of custom image checks free Free custom image checks for life of account First book of 40 custom image checks free Free debit card (no free checks)
15 cents for each check over 30 (monthly) No per-check fees No per-check fees $10 fee for more than 3 checks (monthly) First 20 ATM fees free per month (only in-network ATMs)
Free overdraft protection* Free overdraft protection* Free overdraft protection* Free overdraft protection* Oops NSF rebate up to four times a year (max $100)
No dividends Dividends paid on balances of $1,000 or more Dividends paid on balances of $1,000 or more Dividends paid on balances of $2,000 or more No dividends
No monthly fee $7 fee (monthly) if balance falls below $100 $5 fee (monthly) - $4 for seniors No monthly fee No monthly fee
  Value added benefits package 1 (see below) Value added benefits package 1 (see below)   $10 iTunes card when you open account
    Value added benefits package 2 (see below)   Free eStatements
Free Online Banking & Mobile app
Remote deposit capture
First time borrowers program
Secured credit card option
Open Account Open Account Open Account Open Account Open Account
*Overdraft protection may be set up using funds from DNCU share savings, money markets or credit lines on new or existing accounts. Courtesy Pay is automatically provided for eligible accounts. Please view the Courtesy Pay Disclosures for details and fees. 

Express Checking Accounts

The Account

If you're looking for a no hassle checking account, look no further. This account is your basic checking without a minimum balance or monthly fee. It's that simple.

Preferred Checking Accounts

The Account

If you're looking for an interest bearing account with a low minimum balance and lots of perks, this is the account for you.

The Perks

  • Low $100 minimum balance to avoid monthly fee
  • Free first order of custom image checks
  • No per-check fee
  • Free overdraft protection
  • Dividends paid on balances of $1000 or more

Value added benefits package 1:

  • $100,000 common carrier accidental death insurance**
  • Savers club book
  • Subscription to Sojourns travel magazine
  • ID network safety service
  • Date reminder service
  • Credit card registration
  • Lost luggage and lost key registration

Preferred Plus Checking Accounts

The Account

If you're looking for an interest bearing account with no minimum balance and tons of perks, this is the account for you.

The Perks

  • No minimum balance
  • Free custom image checks for life
  • No per-check fee
  • Low monthly fee
  • Free overdraft protection
  • Dividends paid on balances of $1000 or more

Value added benefits package 1:

  • $100,000 common carrier accidental death insurance**
  • Savers club book
  • Subscription to Sojourns travel magazine
  • ID network safety service
  • Date reminder service
  • Credit card registration
  • Lost luggage and lost key registration

Value added benefits package 2:

  • $10,000 Accidental Death Insurance
  • Telephone shopping service
  • Auto buying service and maintenance discounts
  • Discounts on travel and car rentals
  • Diner's Advantage - 10% back on dining
**This insurance product is not a deposit, not NCUA-insured, not insured by any federal governmental agency, not guaranteed by the Credit Union and may go down in value.

Money Market Checking Accounts

The Account

If you keep a higher balance and write three checks or fewer, per month, this is a great choice for you to earn higher interest*.

Dividends are paid on the first of every month for balances above $2,000 and earned from the time of deposit. Different rates are paid depending on your balance - the more you save, the more you earn! View current rates.

There is no monthly fee and your first book of 40 custom image checks is free.