Switch to DCU Free Checking
An account that helps you spend, earn and save, so you can focus on doing more of what you love.
LEARN MOREDCU Routing Number: 211391825
No Recent Searches Found
Did you mean:
Sorry, We couldn't find what you are looking for. It could be because of many reasons.
Sorry, We couldn't find what you are looking for. It could be because of many reasons.
An account that helps you spend, earn and save, so you can focus on doing more of what you love.
LEARN MOREPlease note, membership is required to open a DCU Free Checking account. Visit our member eligibility page for more information.
Credit unions offer the same financial services that banks do, but typically come with several key distinctions that can make a huge difference for members. Some benefits are more apparent from the beginning of your relationship with a local credit union, while others offer convenience and savings further down the road.
Here are six unique perks that highlight the difference between credit unions and banks, and how credit unions put more control in your hands when it comes to managing your money:
Credit unions are not-for-profit, member-owned organizations. Their main focus is on serving members and their community, unlike banks, which primarily serve their shareholders. Each credit union comes with its own eligibility requirements, giving members a common thread, whether it’s living in a certain community or working at a participating employer.
Instead of paying returns to bank shareholders, credit unions extend profits to members in the form of higher returns on savings, lower rates on credit cards and loans, competitive auto loan rates, and fewer fees. You’re more likely to find fee-free accounts and low minimum balance requirements.
Credit unions are tough to beat when it comes to member service. You can easily get in touch by phone or in person with questions about your credit union accounts. Plus, it’s easy to find a credit union near you.
Credit unions offer members a full suite of financial products and services, just like banks. Members gain access to online and mobile services such as online bill pay, mobile deposit, and person-to-person transfers. Plus, members can access thousands of surcharge-free ATMs as well as Shared Branches with the CO-OP network.
The best credit unions take pride in sponsoring and participating in charitable, educational, and other community events. From providing member college scholarships to supporting local non-profits, a credit union is much more likely to leverage its philanthropic impact directly in your community.
From childhood through adulthood, credit unions provide their members with the resources they need to better manage their finances. You're also likely to find unique tools like Holiday Club Savings. Big banks, on the other hand, often focus their services and products on those that bring in the highest profit margin.
Ultimately, choosing a credit union to manage your finances lets you take advantage of services that truly help your everyday life. The more control you have over your money, the more likely you are to achieve your financial goals. Being part of a credit union family, you'll get the tools and support to help you get there.
Please note, membership is required to open a DCU Checking account. Visit our membership eligibility page for more information.
This article is for informational purposes only. It is not intended to serve as legal, financial, investment or tax advice or indicate that a specific DCU product or service is right for you. For specific advice about your unique circumstances, you may wish to consult a financial professional.
*Since Earn More is a sweep feature, eligible balances are automatically swept out to FDIC and/or NCUA insured deposit accounts held at participating financial institutions throughout the country. You will still have access to your checking account funds. Learn More about the Earn More Feature here.
Spend, save and earn in one account with the Earn More* feature enabled.
LEARN MOREPlease note, membership is required to open a DCU Free Checking account. Visit our member eligibility page for more information.
Are you getting nickel and dimed by your checking account? Check out 5 hidden fees you might not realize you're paying–and how to avoid them.
High-yield checking and savings accounts both provide the opportunity to earn interest on your funds. But there are some differences between the two that you’ll want to be aware of before you open an account.
Are you making the most of your checking account? Maximizing the benefits of your checking account can help you reach your financial goals faster.
©
Digital Federal Credit Union. By using this site, you accept DCU's Terms of Use and Privacy Practices.
You are about to enter a website hosted by an organization separate from DCU. Privacy and security policies of DCU will not apply once you leave our site. We encourage you to read and evaluate the privacy policy and level of security of any site you visit when you enter the site. While we strive to only link you to companies and organizations that we feel offer useful information, DCU does not directly support nor guarantee claims made by these sites.