Personal Checking Accounts
One of the most central parts of your financial life is a checking account. You need somewhere to keep your money, keep track of it and of course, be able to spend from it - without paying all sorts of fees. At Dane County Credit Union, we offer two great options that offer everything you need - including high dividend checking. “Check” them out then click the Open An Account button to get started.
A checking account that earns high dividends - let your money work for you!
Answer these questions to find out if Premium Checking is right for you:
- Do you have $2,000 or more and want to earn a high dividend?
- Do you use eBanking and eStatements?
- Do you use your DCCU Mastercard debit card at least 12 times a month?
Benefits of Premium Checking
- Earn a 1.00% APY reward dividend on your balance of $2,000 - $20,000 when you have eBanking, eStatements, and use your debit card at least 12 times per month.*
- Use your DCCU Mastercard debit card to earn rewards with our UChoose Rewards program. Redeem points for merchandise, activities, travel, and more.
- This account is a great option for those who have liquid funds such as an emergency reserve account and want to earn more than a regular savings account, while maintaining easy access.
- No monthly service fee or annual fees
- No-fee rewards debit card and unlimited check writing
- Surcharge free ATMs
- Overdraft protection, and more.
*APY is annual percentage yield and is subject to change. Rewards dividends are calculated by the average daily balance and are compounded and credited monthly. Accounts receive dividend rewards on the following schedule: $0 - $2000 = 0% APY; $2000.01 - $20,000 = 1.00% APY; $20,000.01 and over = .03% APY. Reward is posted within the first week of the month if all requirements are met. Debit card transactions include both credit and debit but ATM transactions are not included in the total number per month. Minimum balance to open a checking is $20. $5 minimum saving balance is required.
DCCU's no frills personal checking account with lots of free (and awesome!) features to make your life easier and help you save money.
- No monthly service fee
- No minimum balance
- No annual fees
- Debit card with unlimited transactions and no foreign transaction fees (different than surcharges)
- No annual or monthly fee for debit card
- Surcharge free ATM use in the Alliance One Network
- Unlimited check writing
- Overdraft protection
- Free access to the Credit Union Shared Branch Network
- Free online banking and Mobile Banking in Madison
- Free mobile deposit
- Free text and email alerts
- Free Bill Pay and eStatements
- Free in-branch teller service
- Apple Pay
Click the Open An Account button to get started.
Relationship Builder Accounts
Worried about bad credit? If it's time to start over, Dane County Credit Union is the perfect credit union in Wisconsin to begin... because everyone deserves a second chance.
We want to save you valuable time and money so the following personal checking account products and services are included at no charge!
- Bill Pay
- Mobile App
- Debit Mastercard
- Coin Counting (Rimrock Road and Struck Street branches only)
Relationship Builder Accounts
Please be aware of the following account guidelines and limitations:
- Debit Mastercard only issued with checking account
- Personal checks are not issued
- We reserve the right to return all items that overdraw your account
- You will not have access to the credit union shared branching system
- Accounts with savings and checking will only be charged $9.95 a month
- No offline debit card limits
- Debit Card limits: PIN $200, Signature $500
- Appropriate holds may be placed on personal checks that you deposit or cash
- Initial deposit of $5 in savings and $20 into checking; no minimum checking balance requirement after that $5 member ownership deposit will be forfeited if account is closed within 90 days If your account is mishandled, it will be subject to immediate closure at the credit union’s discretion
Relationship Builder Savings Specifics
- The monthly fee for a Relationship Builder savings account is $5.95 per month and is charged to your account on the last day of the month.
- Our check cashing fee is 2% of the face value of the check, with a $5 minimum. You can avoid the fee by having a savings balance of at least $200 prior to the check cashing transaction. There is no check cashing fee if you have an active checking account.
Relationship Builder Checking Specifics
- The monthly fee for a Relationship Builder checking account is $9.95 per month and is charged to your account on the last day of the month.
- Want to learn more about managing a checking account? CheckRight is an online education module - free for DCCU members!
*The credit union reserves the right to refuse to accept any two-party check and the right to return all items that overdraw your account. If account is closed either by DCCU or account holder, $5 membership deposit will be forfeited. Accounts subject to DCCU's Service Pricing schedule.