Personal Checking Accounts (Share Draft)

Simply stated, our checking accounts don't make you jump through hoops to receive the financial benefits you need for every stage of life. 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

  • No dividends
  • No minimum balance; $0 to open
  • Dividends paid on balances of $1,000 or more
  • $100 minimum balance for no monthly fee; $0 to open
  • Dividends paid on balances of $2,000 or more
  • $2,000 minimum balance
  • No dividends
  • No minimum balance; for 18 to 25 year olds
No free checks First order of custom image checks free (one box per year) First book of 40 custom image checks free - note maximum 3 checks per month 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* 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.
Free overdraft protection*
Oops NSF rebate up to four times a year (max $100)
       
No monthly fee $7 fee (monthly) if balance falls below $100 No monthly fee No monthly fee
Free Benefits Free Benefits   Free Benefits
  • ATM/Debit transactions within CU Anytime and CO-OP networks
  • Overdraft protection from other CU accounts
  • Online and mobile banking
  • Online banking Bill Pay service
  • eStatements
  • ATM/Debit transactions within CU Anytime and CO-OP networks
  • Overdraft protection from other CU accounts
  • Online and mobile banking
  • Online banking Bill Pay service
  • eStatements
  • ATM/Debit transactions within CU Anytime and CO-OP networks
  • Overdraft protection from other CU accounts
  • Online and mobile banking
  • Online banking Bill Pay service
  • eStatements
  • ATM/Debit transactions within CU Anytime and CO-OP networks
  • $10 iTunes card when you open account
  • Free eStatements
  • Online Banking & Mobile app
  • Remote deposit capture
  • First time borrowers program
  • Secured credit card option
  • *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; does NOT include Money Market Savings. 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
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  • Money Market Savings 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.* Please be aware the primary purpose for this type of account is long-term savings, not daily expenses. Fees apply for more than 3 checks/debits or 6 transfers/withdrawals (including checks/debits) per month.
  • 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. Because the goal for these accounts is savings, they cannot be used with Bill Pay, and Courtesy Pay does not apply.
  • Identity theft protection plans available
  • *Member must maintain a minimum average daily balance of $2,000.00 to obtain the disclosed annual percentage yield.
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