DMCU's Main Branch in Detroit will close at 4:00 pm on Wednesday, December 7. We will reopen with regular business hours on Thursday, December 8.

No fees, no minimum


Credit Union Free 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 always free, no matter your balance. Our checking account also comes with:

  • A MasterCard Debit Card or ATM Card
  • Free access to your accounts through It’s Me 247 and CU*Talk
  • 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 Checking0.05% / 0.05% $0.00

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.

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. 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.

Online Banking Login