Personal Checking Accounts

One of the most central parts of your financial life is a checking account. 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 one simple option that offers everything you need. “Check” it out then click the Open An Account button to get started.

DCCU Checking

• 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 eBills 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!

• eBanking
• eStatements
• eBills
• Mobile App
• Visa debit card
• Coin Counting (only at Rimrock Road)

Relationship Builder Accounts

Please be aware of the following account guidelines and limitations:

• Visa debit card 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.