DCU Checking Accounts

Our checking accounts won’t surprise you with high service fees or charges that can add up quickly… money that belongs to you!

DCU Checking Plans

Choose from four versatile checking account options designed to meet your needs.

Reward Checking

This is our basic checking plan, with minimal fees and requirements.

  • $50 Opening Deposit
  • No Minimum Balance
  • No Monthly Fee
  • Unlimited Check Writing
  • Free Box of 150 Checks Each Year
  • Dividends will be paid monthly when a $500 daily balance is maintained
  • Free Check (Debit) Card
  • Six free ATM withdrawals per month ($.75 each thereafter*)
  • Take .50% off annual percentage rate on any vehicle loan with auto-payment
  • Free Online Banking and TOUCH-TONE Teller (1-800-879-8404)
e-Reward Checking

This plan offers high dividends to encourage members with low balances (students, seniors, etc.) to go green and sign up for e-statements.

  • $50 Opening Deposit
  • No Minimum Balance
  • No Monthly Fee
  • Unlimited Check Writing
  • Free Box of 150 Checks Each Year
  • Tiered dividends will be paid monthly when a $500 daily balance is maintained
  • Free Check (Debit) Card
  • Six free ATM withdrawals per month ($.75 each thereafter*)
  • Take .50% off annual percentage rate on any vehicle loan with auto-payment
  • Must sign up to receive e-statements
  • Free Online Banking and TOUCH-TONE Teller (1-800-879-8404)
Lifestyle Checking

If you continually find yourself standing in front of the cash machine, this is the checking account for you! It’s got a minimum balance but in return we remove the limit on cash machine withdrawals.

  • $200 Opening Deposit
  • $200 Minimum Balance
  • Unlimited Check Writing
  • Free Box of 150 Checks Each Year
  • Dividends will be paid monthly when a $500 daily balance is maintained
  • Free Check (Debit) Card
  • Unlimited transactions at Money Pass and CO-OP Network ATMs*
  • Take .50% off annual percentage rate on any vehicle loan with auto-payment
  • Add .25% annual percentage yield on any new certificate of deposit
  • Free Online Banking and TOUCH-TONE Teller (1-800-879-8404)
Retiree Checking

This special account is for our retired members only. No dividends, but there are no monthly limits on checks and ATM transactions.

  • No Opening Deposit
  • No Minimum Balance
  • No Monthly Fee
  • Unlimited Check Writing
  • Free Boxes of Checks (unlimited)
  • Free Check (Debit) Card
  • Unlimited transactions at Money Pass and CO-OP Network ATMs*
  • Take .50% off annual percentage rate on any vehicle loan with auto-payment
  • Free Online Banking and TOUCH-TONE Teller (1-800-879-8404)

* Surcharges collected by cash machines owners will be applied to your account.

Checking Plans from Diversified CU

If your debit card is lost or stolen, call us at 1-800-528-2273 anytime day or night. For other questions, call 612-321-5300, 507-833-4320 or 1-800-333-7757 (toll-free).

ATM Networks

Your Diversified Credit Union VISA Check (Debit) and ATM Cash Card allow you around-the-clock access to money. Your card will be accepted wherever you see the VISA logo.

Our Zero-Liability policy protects VISA debit card users from any losses should their debit cards be lost or stolen. All cash machine deposits are free and depending upon the checking account type, at least six cash machine withdrawals per month are free.

Over 40,000 Surcharge-free ATMs for your use!

Our new free ATM network provides you with access to over 40,000 surcharge-free ATMs. Look for these two logos when searching for ATMs. Click on either logo to use their ATM locator to find an ATM near you.

DCU ATM Network

Lost/Stolen ATM or Debit Card?

Call us at 1-800-528-2273 anytime day or night.

Click here to search for Surcharge-Free CO-OP Network ATMs
Click here to search for CO-OP Network ATMs.

Click here to search for MoneyPass ATMs
Click here to search for MoneyPass ATMs.

Traveling Out of the Country?

Notify Diversified Credit Union when you travel outside of the United States at least one week in advance of your departure date. We will need the following information:

  • Where you will be traveling
  • How long you plan to be out of the country, and your return date

This information will be noted on your account and will alert us to transactions that will occur outside your typical spending patterns. Call your local branch to note this information on BOTH your debit and credit cards.

Don’t forget the Perks of DCU Checking!

All checking accounts from Diversified Credit Union are packed with extra benefits for you, including the following:

If you have ever made a mistake in your checking account or written a check for more than the available balance in your account, you are aware of the expenses and problems associated with inadvertent overdrafts. We have two options to help you avoid these.

If you apply and qualify for DCU’s Overdraft Privilege service then your transactions will go through even if your account balance goes negative. (You will still be charged an NSF fee, though.) You can also apply for DCU’s Overdraft Protection service, which automatically transfers funds from your savings account or Line of Credit Loan into your account when you do not have the money to cover all processed checks.

Avoid overdraft fees and their impact on your credit rating! To learn more about these services, call 612-321-5300, 507-833-4320 or 1-800-333-7757 (toll-free).

Direct Deposit of Payroll, Social Security and Pension Checks is free. You’ll never have to worry about your checks being lost, late, or stolen. Sign up now!

Automated Clearing House (ACH) Payments allow you to automatically pay recurring monthly expenses like your mortgage, utility bills and insurance premiums. There is no charge for this time-saving service. Simply contact the ACH or payment department of the company you want to pay.

Gain instant access to your account balances with TOUCH-TONE Teller (1-800-879-8404) and our Online Banking services, including Mobile Banking and e-Statements. All of these services are free of charge, and safe & easy to use.

As paper checks decrease in popularity, their costs are soaring. Most of our checking plans include at least one free box of checks per year. Our carbonless duplicate checks make record keeping a breeze. These checks are of high quality, which reduces potential encoding errors.

Reorder Checks

Checking Account Perks

If your debit card is lost or stolen, call us at 1-800-528-2273 anytime day or night. For other questions, call 612-321-5300, 507-833-4320 or 1-800-333-7757 (toll-free).

Current Checking Rates

Terms as of May 16, 2016

*APY is annual percentage yield. Quoted rates are subject to change.

DCU Checking Rates

Type

Dividend Rate

APY*

Lifestyle Checking
Dividends will be paid monthly when a $500 daily balance is maintained. Fees or other conditions may reduce account earnings

0.10%

0.10%

Reward Checking
Dividends will be paid monthly when a $500 daily balance is maintained. Fees or other conditions may reduce account earnings

0.10%

0.10%

eReward Checking
Tiered dividends will be paid monthly when a $500 daily balance is maintained. Fees or other conditions may reduce account earnings.

2.96% ($1 – $500)

0.10% ($500+)

3.00% ($1 – $500)

0.10% ($500+)

Diversified Credit Union

LaSalle Plaza and Linden CenterPoint Branch 612-321-5300   |   Outside Metro 800-333-7757   |   Waseca Branch 507-833-4320

QUESTIONS?

Give us a call in Minneapolis at 612-321-5300, in Waseca at 507-833-4320, or toll-free at 800-333-7757.