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Dupaco is a financial cooperative powered by its members

And Thank Use is just one of many programs that puts the power in your hands (and wallet). The more you use your Dupaco debit and/or credit cards, the more you’ll be “thanked,” boosting your purchasing power and making your money go further. More power to you!

Here's how participating members can earn in 2024:
Swipes/UsesThank Use Earned
1-100$3
101-250$6
251-500$10
501-750$30
751+$45
Not a member yet?

Open a Dupaco Share Savings account with as little as $25 and you’ll automatically become the newest Dupaco member-owner!

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THANK USE QUALIFICATIONS: You must be a personal member who has an active checking account1 on 9/30/2024.


INELIGIBILITY: You’re not eligible for Thank Use if you: 1) have a loan or deposit charge-off that’s not paid back in full by 9/30/24, or 2) have a loan that’s delinquent by 60 consecutive days or more on 9/30/24, or 3) have a negative checking account balance for 30 consecutive days or more on 9/30/24. Business memberships and trust accounts with EINs, and business accounts under a personal membership don’t qualify for Thank Use.


PAYOUT: Your Thank Use 2024 earnings will be deposited into your primary savings account on 10/17/24 and may be reportable on IRS form 1099-MISC.


LIMITATIONS: Your payout is based on your individual member number. They can’t be combined or shared with other member numbers. Earning is payable once under a member number. Membership on 10/17/24 is required to receive your payout. Must meet product eligibility requirements to open a new product.

ACTIVE CHECKING DEFINITION: a) Set up direct deposit to your checking account, and have a total of five or more check, 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. Your checking account must be active on 9/30/2024. 

1CHECKING RATE: Annual percentage yield (APY) is accurate as of the last dividend declaration date. FREE CHECKING, no minimum to open, 0.0% APY; FIRST RATE CHECKING, no minimum to open, based on daily balances; $5,000-$24,999.99 at 0.10% APY, $25,000-$99,999.99 at 0.15% APY, and $100,000.00 and up at 0.15% APY. All rates are variable and may change after the account is opened. Fees could reduce account earnings.

To earn Thank Use, you must meet the stated Thank Use qualifications and use a Dupaco MoneyCard and/or Visa for transactions posted to your account from 1/1/24–9/30/24. (Excludes ATM transactions. Transactions may take up to 3 business days to post to your account.) To open a debit or credit card, you must meet card eligibility qualifications.

Free Checking

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
N/AN/AN/ANoneN/A
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.

1st Rate Checking

BalanceDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
$100,000+0.15%0.15%None$100,000
$25,000 - $99,999.990.15%0.15%None$25,000
$5,000 - $24,999.990.10%0.10%None$5,000
Less than $5,000N/AN/ANoneN/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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