Checking Accounts

We have a range of checking accounts. Consult the chart below to find your best fit, then click Open Account to get your new account started. Accounts effective January 1, 2018.

Select One of the Following Checking Account Options  
Express Star Money Market Free 4 Me (18-25 years)
No minimum balance; $0 to open $100 minimum balance for no monthly fee; $0 to open $2,000 minimum balance No minimum balance
No free checks First order of custom image checks free (one box per year) First book of 25 custom image checks free Free debit card (no free checks)
15 cents for each check over 30 (monthly) 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 $2,000 or more No dividends
No monthly fee $7 fee (monthly) if balance falls below $100 No monthly fee No monthly fee
      $10 iTunes card when you open account
Free ATM/Debit transactions within CU Anytime and CO-OP networks
Free overdraft protection from other CU accounts
Free online and mobile banking
Free online banking Bill Pay service
Free eStatements
Identity theft protection plans available
Free ATM/Debit transactions within CU Anytime and CO-OP networks
Free overdraft protection from other CU accounts
Free online and mobile banking
Free online banking Bill Pay service
Free eStatements
Identity theft protection plans available
No minimum withdrawal amount.
Limit of 6 withdrawals or transfers monthly.
No more than 3 of the 6 transfers may be negotiated by check, draft or debit card.
Tiered rates based on account balance (see Current Rates). Dividends are compounded monthly and paid monthly.
Identity theft protection plans available
Free eStatements
Free Online Banking & Mobile app
Remote deposit capture
First time borrowers program
Secured credit card option
Identity theft protection plans available
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. 

Please read our account Terms & Conditions here.

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.

  • Free ATM/Debit transactions within CU Anytime and CO-OP networks
  • Free overdraft protection from other CU accounts
  • Free online and mobile banking
  • Free online banking Bill Pay service
  • Free eStatements
  • Identity theft protection plans available
     

Star Checking Accounts

The Account

If you're looking for an interest bearing account with a low minimum balance, 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 average balances of $1000 or more
  • Identity Theft Protection Plans available
  • Free overdraft protection from other CU accounts
  • Free online and mobile banking
  • Free Bill Pay service
  • Free eStatements
  • Identity theft protection plans available

Money Market 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*.

The Perks

  • Dividends are paid on the first of every month for average balances above $2,000 and earned from the time of deposit.
  • Minimum opening balance $2,000.
  • Different rates are paid depending on your balance - the more you save, the more you earn! Dividends are compounded monthly and paid monthly. View current rates.
  • There is no monthly fee.
  • Your first book of 25 custom image checks is free.
  • Up to 3 free check/draft/debits monthly; $10.00 fee after 3 transactions.
  • No minimum withdrawal amount, but limit of 6 withdrawals or transfers monthly. No more than 3 of the 6 transfers may be negotiated by check, draft or debit card. Excessive withdrawals may be subject to account closure.
  • Identity theft protection plans available
*Member must maintain a minimum average daily balance of $2,000.00 to obtain the disclosed annual percentage yield.

 

Note:  New Preferred and Preferred Plus accounts discontinued December 31, 2017. Account holders of discontinued Preferred, Preferred Plus and Preferred Plus Senior accounts receive grandfathered benefits. For questions, please call 505 455-5228.