Credit Union Checking
At DMCU, we don’t believe in charging our members just to use their own money. That’s why our traditional credit union checking account is the way to go. Our checking account also comes with:
- A MasterCard Debit Card or ATM Card
- Free access to your accounts through It’s Me 247
- Free access to thousands of surcharge-free ATMs nationwide
- Free check copies through It’s Me 247, our online banking program
- Free eStatements
| Account Type* | Dividend Rate / APY** | Minimum Balance |
|---|---|---|
| DMCU Checking | 0.05% / 0.05% | $0.00 |
*All accounts are subject to approval to open an account with Diversified Members Credit Union.
**APY=Annual Percentage Yield.
Give Back Checking rewards you just for using your account.
And if you’re looking for rewards, we have an account you’ll love. Open a Give Back Checking Account*, and each month that you qualify you’ll receive $10 deposited to your checking account and refunds on up to $25 of ATM fees. Qualifications are easy! All you need to do to earn your monthly reward is:
- Have at least 15 debit card transactions post and settle
- Be enrolled in eStatements and online banking
And if you don’t meet the qualifications? Don’t worry! Your checking account with DMCU will always be free.
*All accounts are subject to approval. Member NCUA. Must have at least fifteen (15) signature and/or PIN-based debit card transactions post and settle.
DMCU's High Yield Checking Account
DMCU’s High Yield Checking is a high interest checking account that can pay YOU cash dividends just using your DMCU debit card and eStatements. Not only is this a great rate for you to make the most of your money, but we are also not charging a monthly fee for this account. You would just need to meet the monthly requirements below.
Dividends of 7.00% APY* on balances up to $7,500 after meeting monthly qualifications:
- Enroll in eStatements
- Direct deposit of at least $500 per month
- Minimum 15 debit card transactions
*APY = Annual Percentage Yield. Rate is subject to change at any time. One high yield checking account per membership. Must enroll in eStatements, have a minimum direct deposit of $500 per month, and use your Diversified Members Credit Union Debit Mastercard® at least fifteen (15) times per month on signature and/or PIN-based transactions this does not include ATM transactions to earn increased APY. Transactions that are pending on your account and have not posted as of the end of the monthly qualification cycle will not count as a qualifying transaction for that cycle. If all qualifications are met, a high yield APY will apply to account balances of $7,500.00 or less and a lower APY will apply to balances of $7,500.01 or more. If you do not meet the qualifications during the qualification cycle, your entire balance earns the lower APY for that cycle. Your deposits are federally insured by the NCUA up to $250,000.
Because everyone deserves a Second Chance.
Sometimes, things don’t work out the way you planned. And because of that, DMCU believes strongly in offering second chances. With our Second Chance Checking Account*, you can have the freedom that comes from having a checking account and rebuild your credit at the same time. After 12 consecutive months of your account being in good standing, you can apply to move to a standard checking account.
Account Basics:
- No minimum balance
- $10 monthly fee
- $25 initial deposit
- Minimum direct deposit of $400 per month
*Members with fraud on ChexSystems report will not be permitted to open. No overdraft protection on Second Chance Checking. No checks. Lowered daily spending limits on debit card. Not eligible for DMCU Rewards points.
Join the neighborhood today!
Come on over and share the wealth with thousands of other members through rewards, low rates, and making financing a breeze.