Convenience is included
A Dutch Point Credit Union Debit Card comes with every account.
Looking for the perfect account? We can help you check that box.
24/7/365 access to Digital Banking
Free Mobile Check Deposit
Surcharge-free withdrawals at Allpoint and MoneyPass ATMs
Your checking account comes into play every day. Either you're making purchases with your debit card, withdrawing cash or paying bills. So you need a checking account that meets your needs, while providing you with the service, convenience and value you expect. At Dutch Point Credit Union, we offer four options so you take on your daily money management the way you want.
Seriously Simple Checking
When you want straightforward and free, you want this simple checking account. It's the perfect option – seriously.
- No monthly fee or minimum balance requirement
- Manage your account online and through our mobile app
Advantage Checking
Put your balance to work for you every day. You'll earn dividends based on our competitive rates.
- Includes all the convenient access available through Seriously Simply Checking
- Allows you to do more with your money
Accelerated Checking
Go to the next level with this dividend-bearing checking account. The higher your balance, the more it earns.
- A tiered balance structure delivers higher rates at various stages
- Receive priority service as an Accelerated Checking accountholder
On Point Checking
Avoid unnecessary surprises when it comes to your checking account. Our On Point Checking Account provides you with a safe and affordable checking solution.
- Take the guesswork out of balancing thanks to no overdraft fees
- This and all traditional checking account features are available for a low monthly service fee* of $10.00
Overdraft Protection Loan
Avoid the inconvenience and expense of bounced checks and other checking account transactions.
- This open-ended line of credit serves as backup for your checking account
- If you overdraw, funds will automatically be advanced into your checking account to cover your purchase
Privilege Pay for Debit Card Transactions**
Get peace of mind by opting into this special program. It's financial security for those times when you lose track of your balance, and you can opt out anytime.
- Covers your debit card purchases (at our discretion)
- Pay a $30 fee for each covered transaction; pay nothing if you never use the service
- Click here for our Privilege Pay Disclosure
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Seriously Simple Checking
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Advantage Checking
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Accelerated Checking
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On Point Checking
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| Open an Account | View Rates | View Rates | Contact Us |
| Key Features | |||
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A straightforward and free account with no monthly fee or minimum balance requirement. |
Earn dividends and enjoy all the same convenient access as Seriously Simple Checking. |
Earn dividends with a tiered balance structure. The higher your balance, the more you benefit. |
A safe and affordable checking solution with low monthly service fee* and no overdraft fees. |
| No Monthly Service Charge if Average Daily Balance is Maintained* | |||
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X $0.00 |
X $1,000 |
X $5,000 |
$10 Monthly Service Fee |
| Free ATM Transactions Per Month*** | |||
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10 Per Month |
10 Per Month |
Unlimited |
10 Per Month |
| Additional Features & Benefits | |||
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Seriously Simple Checking
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|---|
| Open an Account |
| Key Features |
|
A straightforward and free account with no monthly fee or minimum balance requirement. |
| No Monthly Service Charge if Average Daily Balance is Maintained* |
|
X $0.00 |
| Free ATM Transactions Per Month*** |
|
10 Per Month |
| Additional Features & Benefits |
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|
Advantage Checking
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|---|
| View Rates |
| Key Features |
|
Earn dividends and enjoy all the same convenient access as Seriously Simple Checking. |
| No Monthly Service Charge if Average Daily Balance is Maintained* |
|
X $1,000 |
| Free ATM Transactions Per Month*** |
|
10 Per Month |
| Additional Features & Benefits |
|
|
Accelerated Checking
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|---|
| View Rates |
| Key Features |
|
Earn dividends with a tiered balance structure. The higher your balance, the more you benefit. |
| No Monthly Service Charge if Average Daily Balance is Maintained* |
|
X $5,000 |
| Free ATM Transactions Per Month*** |
|
Unlimited |
| Additional Features & Benefits |
|
|
On Point Checking
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|---|
| Contact Us |
| Key Features |
|
A safe and affordable checking solution with low monthly service fee* and no overdraft fees. |
| No Monthly Service Charge if Average Daily Balance is Maintained* |
|
$10 Monthly Service Fee |
| Free ATM Transactions Per Month*** |
|
10 Per Month |
| Additional Features & Benefits |
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* View our current Fee Schedule for monthly service charges.
** Standard postage fees apply.
*** ATM owner may charge a usage fee. DPCU owned ATMs are always free.
**** If you do not have sufficient available funds in your account to cover a transaction, the transaction will be declined. In the case that your account is overdrawn, you will not be charged an insufficient funds fee.
Mobile Wallets: Accommodating Mobile Payments & More
Learn how mobile wallets make everyday purchases easier and more secure.
Dutch Point Blog
Resources to support your financial goals
Financial flexibility at your fingertips
Enjoy spending power with cash back, redeemable rewards points, and lower interest rates.
* If you do not have sufficient available funds in your account to cover a transaction, the transaction will be declined. In the case that your account is overdrawn, you will not be charged an insufficient funds fee.
** Privilege Pay fee is $30 per item. Debit card transactions are eligible. Members must repay the Privilege Pay balance within 30 days. Privilege Pay is a discretionary service. This means we can refuse to pay any overdraft for any reason.