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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! Choose from four versatile checking account options designed to meet your needs. Don't forget the perks!

 Create Forms to Switch Your Checking Account to DCU

Everything you need!

Reward Checking 

  • $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 .25% off annual percentage rate on any vehicle loan with auto-payment

e-Reward Checking 

  • $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 .25% off annual percentage rate on any vehicle loan with auto-payment
  • Must sign up to receive e-statements

 

Get Cash When You See These Logos:

Lifestyle Checking 

If you continually find yourself standing in front of the cash machine, this is the checking account for you! 

  • $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 ATM transactions**
  • Take .25% off annual percentage rate on any vehicle loan with auto-payment
  • Add .25% annual percentage yield on any new certificate of deposit

Retiree Checking 

This special account is for our retired members only.

  • No Opening Deposit
  • No Minimum Balance
  • No Monthly Fee
  • Unlimited Check Writing
  • Free Boxes of Checks (unlimited)
  • Free Check (Debit) Card
  • Unlimited ATM transactions**
  • Take .25% off annual percentage rate on any vehicle loan with auto-payment

* Surcharges collected by cash machines owners will be applied to your account.
** Unlimited transactions at Wells Fargo and CO-OP Network ATMs. 

 
 


Don't forget the perks!

All of our checking accounts are packed with extra benefits for you:  

  • Overdraft Privilege Service adds value to all of our checking accounts. 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 want to help you avoid these situations. Please see our Overdraft Privilege Policy.
     
  • Overdraft protection 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!
     
  • 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!
  • Use Connect@Home and TOUCH-TONE Teller  (1-800-879-8404) to view your account history, check your current balance, and transfer funds online. There is no cost for these services.
       
  • 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.
      
  • Carbonless duplicate checks make record keeping a breeze. Our checks are also reasonably priced, and of the highest quality, which reduces potential encoding errors. 

 


 DIVERSIFIED CREDIT UNION

Linden CenterPoint Branch 612-321-5300   
Outside Metro: 800-333-7757   
LaSalle Plaza Branch 612-321-4964   
Waseca Branch 507-833-4320

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