Let's get started. Which describes you best?
Not sure which checking account is right for you? Compare your options here.
Your membership and active checking account comes with lots of free perks including:
Hint: Don’t forget to enter giveback code CHECK250 during account setup to get $250* deposited into your new checking account!
Whatever your checking needs are, we've got you covered.
We offer two great checking accounts to choose from. And whichever you choose, we’ll deposit $250* back into your new account. Just enter the giveback code CHECK250 during account setup.
No hassles or unexpected charges, and no hoops to jump through. Dupaco’s Free Checking is as straightforward as it gets.
- No minimum to open
- No monthly service charges
- No minimum monthly balance requirement
- Unlimited check writing and deposits
- Free Online & Mobile Banking services
- Free Dupaco MoneyCard debit MasterCard with EMV chip technology
You work hard for your money. Isn’t it about time your money starts working as hard for you? With a Dupaco 1st Rate Checking account, it will.
- No minimum to open
- Tiered interest on accounts with a minimum monthly balance of $5,000
- No monthly service fee with an average monthly balance of $5,000 (otherwise a $10 fee per month)
- After 125 accumulative transactions of checks written or deposits made per month, $0.20 will be charged per item for each additional check written or deposit made
- Free Online & Mobile Banking services
- Free Dupaco MoneyCard debit MasterCard (with EMV chip)
Current Rates
| Balance | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Open | Min. to Earn |
|---|---|---|---|---|
| $100,000+ | 0.15% | 0.15% | None | $100,000 |
| $25,000 - $99,999.99 | 0.15% | 0.15% | None | $25,000 |
| $5,000 - $24,999.99 | 0.10% | 0.10% | None | $5,000 |
| Less than $5,000 | N/A | N/A | None | N/A |
| Rates are effective as of 04/01/2023 and are subject to change without notice. 1Checking Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The dividend rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account. |
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Offer expires December 31, 2022.
CASH PAYOUT: $250 deposited to checking 3-5 business days after active checking definition met. Account opening subject to qualification and approval. Existing checking accounts excluded. Cannot be combined with other checking offers. Checking account balance of $0 or more required at time of cash payout. 1099 INT issued for cash payouts and members are responsible for applicable taxes. If share draft checking account is closed within 9 months after opening, the $250 bonus amount will be forfeited and the amount can be withdrawn from member’s share draft checking and/or savings accounts. Dupaco membership required. You can join if you live or work within our charter area or have a family member who is a Dupaco member, and you make an initial $25 deposit into your share savings account. Other offer restrictions may apply. ACTIVE CHECKING DEFINITION: a) Set up direct deposit to your checking account, and have a total of five or more checks, debit card or automated clearing house (ACH) debit transactions on that checking account within 90 consecutive days OR b) If you cannot directly deposit to your checking account, then have ten check transactions, or eight debit card transactions, or five ACH debit transactions or three bill pay transactions on that checking account within 90 consecutive days. The referred member must meet one of the criteria within 90 days from the date the account was opened. CURRENT RATES: As of the last dividend declaration date, checking account Annual Percentage Yields are: Free checking 0.0% APY; First Rate checking based on daily balances; $5,000-$24,999.99, at 0.05% APY, $25,000-$99,999.99 at 0.10% APY, and $100,000.00 and up at 0.10% APY. Rates are variable and may change after account is opened. Fees could reduce account earnings. 2). To be eligible for Thank Use you must meet campaign eligibility requirements. See details here.
