Get the checking account features you want most, with all the service, trust, convenience and value you deserve. Choose the right checking account that fits your lifestyle. Plus, we make it easy to reorder checks!

Account Details

Everyone needs a checking account. But of course, everyone's needs are a little different! At Dutch Point you have three great checking accounts to choose from, so you'll be sure to find the bank account that best meets your needs.

Our CT checking accounts offer unbeatable convenience with nearby local branches, worldwide surcharge-free ATM access, flexible branch hours, and 24/7 online and mobile banking availability.

Seriously Simple Checking

Eliminate the checking account challenge with our free checking account. It's time to say YES to seriously simple!

  • Say YES to our mobile app
  • Say YES to mobile check deposit
  • Say YES to a Debit card
  • Say YES to no monthly fees
  • Say YES to no minimum balance requirement
  • Say YES to banking with a Credit Union!

Our Seriously Simple Checking account is simple to understand, simple to open, and simply FREE. Say YES to a no fee checking account that's seriously simple - seriously!

Advantage Checking

Our Advantage Checking Account provides you with all the same features of our Always Free Checking Account, plus pays you dividends with no minimum balance requirement. View the current Advantage Checking rate.

Accelerated Checking

The higher the balance, the more you earn. Our Accelerated Checking Account pays dividends on a tiered balance structure, so as your balance increases, your rate does too. You'll also receive priority service as an Accelerated Checking Account holder, including 5,000 Visa Rewards Points when you open your account (DPCU Visa Platinum Credit Card is required). View the current Accelerated Checking rates.

We make it easy to open your checking account, and we'll even do all the work to get you switched over. We will help you switch your direct deposit, assist you with your automatic payments, order your checks and Debit Card, and enroll you in Online Banking.

Compare Accounts


Features and Benefits Seriously Simple Checking Advantage Checking Accelerated Checking
Earns Dividends
No Monthly Service Charge if Average Daily Balance is Maintained*



One Free Order of Checks Per Year and Unlimited Check Writing**
Free ATM Transactions Per Month*** 10 Per Month 10 Per Month Unlimited
Surcharge-Free Access to Allpoint, SUM and MoneyPass ATMs with a DPCU Debit Card
Free Online Banking and Mobile Banking
Free Mobile Check Deposit
Courtesy Phone Call Before Check is Returned
Free Money Orders
Bonus of 5,000 Visa Rewards Points on DPCU Visa Platinum Credit Card

* 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.

Overdraft Protection

Sometimes the unexpected can occur. Our Overdraft Protection options can provide you with peace of mind by offering a financial back-up plan.

Overdraft Protection Loan

Our Overdraft Protection Loan is an open-ended line of credit that can help you avoid the inconvenience and expense of bounced checks, declined debit card purchases, and other checking account transactions. When needed, funds will automatically be advanced into your checking account to cover your purchase or cleared check in the event it becomes overdrawn.

Contact us at 860-563-2617 or 800-842-1778 to learn more about our Overdraft Protection Loan.

Privilege Pay for Debit Card Transactions

Debit cards are convenient, and these days it's hard to imagine life without them. They make it easy to make purchases, but they can make it difficult to keep track of your account balance. By opting in to our Privilege Pay program for everyday debit card transactions, you can rest assured your transactions will be processed, even if you are a little short on funds in your account.

While we all strive to manage our finances responsibly, we also understand that life doesn't always go according to plan. By opting in to Privilege Pay for everyday debit card transactions, you'll know that you've got protection available to you when you need it most.

With Privilege Pay, if you use your debit card to make a purchase and you don't have the funds available, we may, at our discretion, process the transaction for the amount requested. A Privilege Pay fee of $30.00 will then be charged for covering your transaction. You pay nothing if you never use it. If you use Privilege Pay, your account balance should be brought to a positive level as soon as possible, but at least within 30 days of your first use of Privilege Pay.

We pay overdrafts at our discretion, which means we do not guarantee that we will always authorize and pay any type of transaction. If we do not authorize and pay an overdraft, your transaction will be declined.

You must opt-in to Privilege Pay for everyday debit card transactions to receive this service. Contact us at 860-563-2617 or 800-842-1778 to learn more and opt-in.

You may opt-out of this service at any time.


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. 

Open a checking account online, give us a call or text us at 860-563-2617, or visit one of our Wethersfield, Newington, Berlin, Bloomfield, West Hartford, Niantic, or Middletown, CT locations.

the Dutch Point difference

Dutch Point watches out for me and its members. I love how they protect my checking account with fraud monitoring services. I'm so happy I switched to Dutch Point! Julieann L., Member Since 2011
I love my credit union because it is a one stop shop for all our financial needs! The response is always warm, welcome and with a smile.  Frank D., Member Since 2002
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At Dutch Point, it's all about you. We empower you to make financial decisions that are right for you. We pledge to help you meet and exceed your financial goals through all the stages of your life.