With no monthly fees and fewer hidden penalties, you’ll get more from your money when you manage it at Diversified Credit Union.

Checking at a credit union gives you all the same services you’ll find at a big bank, without all the hidden expenses. And Diversified Credit Union has FOUR checking account options – choose the plan that best suits your lifestyle, and save!

Reward Checking

• Our basic checking plan has no monthly fees and pays dividends monthly on balances over $500. Of course, online & mobile banking services are free.

e-Reward Checking

• Same as Rewards Checking, but you’ll earn higher dividends in return for using e-Statements.

Lifestyle Checking

• This Checking account is for people who spend a lot of time at the ATM. A $200 minimum balance is required but there are no limits on cash machine withdrawals.

Retiree Checking

• This checking account pays no dividends, but it also has no monthly limits on ATM usage or check writing.

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.

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:

• Overdrafts
• Direct Deposit & ACH
• Virtual Branch
• Paper Checks

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 1-800-333-7757 (toll-free) or email us at Member Services.

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 perform most of your banking transactions online whether you’re at work, in your car, or at home in your pajamas at 3am.

Virtual Branch includes features that our members need in today’s digital environment; online banking, electronic bill payment, mobile check deposit, account-to-account transfers, electronic statements, alerts, check reorders, find an ATM and more.

Virtual Branch is open 24 hours a day, 7 days a week, 365 days a year. And best of all, there are NO CHARGES for these services! It’s like having your own personal branch at your fingertips!

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.