Checking Accounts

Dupaco has free checking and a dividend-bearing checking account.Dupaco has free checking and a dividend-bearing checking account. The bigger deal is that, no matter where you are in the world, you're never far away from fee-free access to your money, with Dupaco's mobile app and over 5,000 shared branches nationwide.

And by using direct deposit, you can skip a trip to the branch by directly depositing your paycheck, pension, or benefit payments to your checking account. You'll need Dupaco's Routing Number, 273974581, to set up direct deposit.

See what you can save with our Thank Use campaign

 

When you open a checking account at Dupaco, you can get a free optional MoneyCard debit card. Beginning in March of 2017, Dupaco will begin issuing EMV chip cards to offer our members better fraud protection. To learn more, check out our EMV debit card FAQs.

Open an account

ClickSwitch for a quicker checking account switch

ClickSwitch allows you to move your recurring payments from a non-Dupaco checking to your Dupaco checking online. Contact Dupaco to see how. It's quick. It's easy!

What About Overdraft Protection?

With Dupaco, concerns about overdraft protection can be put to rest with our Overdraft Privilege. Get protection from bounced checks and more. Learn more about this and other features of our checking accounts, or read all about Dupaco’s Overdraft Privilege service.

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If you typically don't carry a large balance in your checking account, you'll want our free checking. But, if you want your money to earn dividends while it's in your checking account, you'll want 1st Rate Checking. See the comparison chart below.

  Free Checking 1st Rate Checking
Minimum to Open $50 $50
Dividend None Yes
Minimum to Earn N/A $5,000
Dividend Tiers N/A $5,000, $25,000, and $100,000
Dividend Calculation N/A Daily Dividend Paid Monthly
Minimum Balance to Avoid Fees None $5,000 Average Monthly Balance
Monthly Service Charge None $10 if Average Monthly Balance Below $5,000
Check Writing or Deposit Limits None 125 Free Checks Written or Deposit Items/Month
Per Check or Deposit Charges None 20-Cent /Check Written or Deposit Item Over 125/Month
Overdraft Priviliege Yes Yes


Checking Rates

Current as of: 9/22/2017
Account Type Balance Tier Dividend Rate Annual Percentage Yield1 Min. to Open Min. to Earn
Free Checking N/A N/A N/A $50 N/A
1st Rate Checking $100,000 and above 0.30% 0.30% $50 $100,000
1st Rate Checking $25,000-$99,999 0.15% 0.15% $50 $25,000
1st Rate Checking $5,000-$24,999 0.10% 0.10% $50 $5,000
1Checking Rates: Dividends and annual percentage yields (APY) accurate as of the last dividend declaration date. The interest rate and annual percentage yield may change after account opening. Fees could reduce earnings on the account.

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Comments (30)
checks
Melisa
 • 32 days 8 hrs 10 mins 6 secs ago
I am thinking of switching over to Dupaco for my checking account, for new members do you offer the first box of checks free?
 

Re: checks
Dupaco Moderator
 • 32 days 3 hrs 44 mins 20 secs ago

Hi Melisa, only our Prime Time members who have direct deposit for social security and/or a pension receive a free box of checks. We will have one of our Member Service Representatives reach out to you.

 

checks
Melisa
 • 32 days 8 hrs 10 mins 6 secs ago
I am thinking of switching over to Dupaco for my checking account, for new members do you offer the first box of checks free?
 

Re: checks
Dupaco Moderator
 • 32 days 3 hrs 44 mins 20 secs ago

Hi Melisa, only our Prime Time members who have direct deposit for social security and/or a pension receive a free box of checks. We will have one of our Member Service Representatives reach out to you.

 

recommending a family member
willie
 • 46 days 23 hrs 6 mins 36 secs ago
What are the advantages on recommending any one who would be interested in opening account with Dupaco. Checking for example.
 

Re: recommending a family member
Dupaco Moderator
 • 46 days 10 hrs 36 mins 43 secs ago

At this time, Dupaco does not have a cash incentive for referring your friends and family. However, growing the number of members at the credit union helps strengthen Dupaco as a whole, and from that, we all benefit!

 

Poor credit :(
Kate r.
 • 48 days 8 hrs 55 mins 54 secs ago
Is it possible for my fiance and I to open an account together? I have rather very poor credit and his is fine. Just looking for a good place to start a joint account
 

Re: Poor credit :(
Dupaco Moderator
 • 46 days 11 hrs 55 mins 5 secs ago

Hi Kate, we will have one of our member service representatives reach out to you about opening a joint account.

 

Debit Card
Nichole W.
 • 67 days 6 hrs 9 mins 10 secs ago
Hi, I was wondering do I have to go in and get a new debit card when mine expires or do you guys automatically send one out?
 

Re: Debit Card
Dupaco Moderator
 • 67 days 4 hrs 18 secs ago

Hi Nichole, you should receive a new debit card around the beginning of the month that your current one expires. If you don't receive it shortly before your expiration date, please give us a call. Thanks!

 

Opt in opt out
Lisa R
 • 93 days 10 hrs 37 mins 15 secs ago
What does opt in and opt out mean
 

Re: Opt in opt out
Dupaco Moderator
 • 93 days 7 hrs 30 mins 6 secs ago

Hi Lisa, Opt in means that you have chosen to participate in something, and opt out means you have chosen not to participate.

 

ATM Fee
Brad
 • 97 days 22 hrs 17 mins 13 secs ago
Does Dupaco have ATM fee reimbursement?
 

Re: ATM Fee
Dupaco Moderator
 • 95 days 11 hrs 34 mins 31 secs ago

HI Brad, Any transactions done on a Dupaco ATM are free. Dupaco allows you to use non-Dupaco ATMs for 8 transactions per month before we start charging an ATM fee of $0.50 per transaction. If you need an exception made, you can always call our Card Services team at 563-557-7600 / 800-373-7600, extension 201.

 

checking
don f
 • 145 days 9 hrs 53 mins 27 secs ago
this sucks! very user unfriendly, just got a debit card and use it and wanted to check account balance but got nowhere. open my account online but got nowhere. left me hanging
 

Re: checking
Dupaco Moderator
 • 144 days 12 hrs 19 mins 32 secs ago

Hi Don, sorry to hear that you're having trouble navigating through our online banking. We'll have someone reach out to you to assist you through it.

 

Apple pay
Eric M
 • 186 days 1 hr 55 mins 3 secs ago
Do your debit cards allow for apple pay?
 

Re: Apple pay
Dupaco Moderator
 • 185 days 11 hrs 35 mins 10 secs ago

Hi Eric, we are currently in the process of getting our debit cards EMV chip enabled. Shortly after this happens, Apple Pay will be available on the new cards. We're anticipating that this will be available in early summer.

 

Question
DeAundra
 • 193 days 8 hrs 3 mins 4 secs ago
Is there a limit on how many times you can use debit when you make a purchase? Before theres a charge
 

Re: Question
Dupaco Moderator
 • 193 days 6 hrs 28 mins 48 secs ago

Hi DeAundra, There is no limit to the number of times a member can use the debit card for purchases. There is fee for using non-Dupaco ATMs: the first 8 transactions per month are free, then it's $0.50 per transaction.

 

Charges
Torelik
 • 286 days 12 hrs 11 mins 17 secs ago
If I have overdrawn charges,how do I deduct these charges from my share draft balance or make a online payment?? Is it gonna automatically deduct from my checking account??
 

Re: Charges
Dupaco Moderator
 • 284 days 6 hrs 37 mins 19 secs ago

Hi Torelik, for each item, the charge will be added to your balance. You can transfer funds from another account to make a payment or stop at one of our branches.

 

Opening local checking & savings
New resident
 • 325 days 5 hrs 24 mins 24 secs ago
We are new to the area on ss and pensions, we have some credit issues due to my medical condition of cancer, Do you deny people from opening a local checking and savings because of their bad credit rating?
 

Re: Opening local checking & savings
Dupaco Moderator
 • 325 days 4 hrs 12 mins 56 secs ago

Hello, we will have someone reach out to you. Thanks!

 

Frustrated
Jane H.
 • 494 days 21 hrs 57 mins 38 secs ago
I'm trying to balance my checking account for the past two months and have time out twice. Now I'm having problems logging back on. Very frustrating!
 

Re: Frustrated
Dupaco Moderator
 • 494 days 12 hrs 41 secs ago

Hi Jane, the online banking site will time out after so long in order to protect your privacy. You can print the list of transactions if you need access to them for an extended period of time. We suggest destroying the printed document after you are done with it.

 

fee
Shannon
 • 561 days 23 hrs 23 mins 10 secs ago
Are there any monthly fee with a checking and saving accounts?
 

Re: fee
Dupaco Moderator
 • 561 days 8 hrs 19 mins 9 secs ago

Hi Shannon, all of our fees can be found under the fees link at the top of the website, next to the search bar. Here, you will find explanations on our fees. The free checking accounts do not have any monthly service charges, but the First Rate checking does if you do not maintain a minimum balance of $5,000. As for savings, every member puts in a $25 share to the credit union (thus, making you an owner!). Otherwise, we do not have monthly service charges.

 

Updates
Jessica
 • 574 days 23 hrs 26 mins 56 secs ago
At what time does your account update ie waiting for a check to be deposited, what time should I be able to see this
 

Re: Updates
Dupaco Moderator
 • 574 days 9 hrs 48 mins ago

Hi Jessica, we will have someone in touch with you on this since the time that the deposit goes through depends on the amount and how it was deposited (mobile vs. in-branch). Thanks!

 

Debit Card
maddie
 • 617 days 21 hrs 51 mins 16 secs ago
where can I get a new debit card if mine gets broken?
 

Re: Debit Card
Dupaco Moderator
 • 617 days 11 hrs 25 mins 30 secs ago

Hi Maddie, you can give Dupaco a call at 800-373-7600 or 563-557-7600, ext. 0, or simply stop into the nearest Dupaco branch, and we will process a new card for you.

 

deposits
Melissa
 • 619 days 58 mins 12 secs ago
Why is there not more information about deposits made? Such as whether it was cash or check and whether or not part of the check was cashed and the other part deposited? Can i get this information as it would be helpful for maintaining my records. I am referring to online banking.
 

Re: deposits
Dupaco Moderator
 • 618 days 9 hrs 35 mins 51 secs ago

Hi Melissa, this kind of information can be manually added to your deposit transactions in Shine. Under the Accounts, then Deposits tab, you will find a list of deposit transactions. Under the Actions section to the left of each depost, you can edit the transaction. It is here that you can add any notes that you would like. You can also ask a Teller to add a memo to the transaction at that time.

 

Free Checking
Michelle
 • 627 days 8 hrs 50 mins 6 secs ago
Does free checking also mean the checks are free?
 

Re: Free Checking
Dupaco Moderator
 • 627 days 8 hrs 26 mins 49 secs ago

Hi Michelle, a box of standard checks with a free checking account is $17.

 

$10 fee
bjs
 • 721 days 8 hrs 38 mins 5 secs ago
$10 fee if my balance doesn't average 5000..can that go lower? We don't even bring home 5000 a month.
 

Re: $10 fee
Dupaco Moderator
 • 717 days 5 hrs 11 mins 20 secs ago

The $10 fee only applies to our 1st Rate Checking accounts, in which the $5,000 minimum must be held. The other option would be a Free Checking as these accounts do not require a minimum balance.

 

Accounts
Mark
 • 769 days 6 hrs 50 mins 50 secs ago
I attempted to open a checking and savings account at a local bank. They did a credit check on me and discovered I filed for bankruptcy a few years back and therefore were only going to give me a savings account for six months and then re-evaluate the situation. Will I be able to open both with Dupaco if this is the case?
 

Re: Accounts
Dupaco Moderator
 • 767 days 11 hrs 34 mins 15 secs ago

Mark, Dupaco is dedicated to looking into our members' personal situations and finding solutions to better their financial picture. Please stop in to any one of our branches or give us a call at 800-373-7600 or 563-557-7600 ext. 0.

 

debit cards
Lindsey
 • 770 days 5 hrs 14 mins 29 secs ago
I was wondering if you still offered custom debit cards where we were allowed to put our own picture on it? Thanks.
 

Re: debit cards
Dupaco Moderator
 • 770 days 4 hrs 22 mins 39 secs ago

Hi Lindsey, unfortunately we do not offer that service at this time.

 

overdraft protection
C
 • 814 days 20 hrs 27 mins 41 secs ago
I see there is a place to opt in for money cards, but what about checking?
 

Re: overdraft protection
Dupaco Moderator
 • 812 days 11 hrs 11 mins 50 secs ago

Hi C, We will have someone from our Member Service department contact you on this shortly. Thanks!

 

Personalized debit card
Richie
 • 831 days 3 hrs 9 mins 47 secs ago
Is there a way to order a personalized debit card and/or change the name on the card? Thanks
 

Re: Personalized debit card
Dupaco Moderator
 • 823 days 5 hrs 58 mins 44 secs ago

Hi Richie, Debit cards will come in the name the account was set up in. Feel free to call card services any time to change the name. (800) 373-7600 ext. 206.

 

Debit Card PIN
Kelly B
 • 965 days 8 hrs 58 mins 44 secs ago
Can I chose my own PIN for my debit card or do I have to use the one that was sent to me?
 

Re: Debit Card PIN
Dupaco Moderator
 • 963 days 5 hrs 6 mins 44 secs ago

Hi Kelly! Yes, you can choose your own PIN. In order to do this, you must first activate your card and then bring it in to any branch with the exception of the Cedar Rapids 4th Avenue branch.

 

zero balance
brittany
 • 1112 days 21 hrs 12 mins 23 secs ago
How long can your account stay at a zero balance before it is closed on you?
 

Re: zero balance
Dupaco Moderator
 • 1110 days 4 hrs 39 mins 3 secs ago

Hi Brittany, It all depends on the situation and the account. Why don't you give Dupaco a call and we'll see what we can do for you? (563) 557-7600 / 800-373-7600 ext. 206.

 

expiring debit cards
tracy
 • 1123 days 10 hrs 33 mins 56 secs ago
Our debit cards show expire 9/2014. Do I have to call to have new ones sent to us or do you automatically send news before the end of September when they expire?
 

Re: expiring debit cards
Dupaco Moderator
 • 1121 days 9 hrs 15 mins 44 secs ago
Hi Tracy, You should receive your new debit card two to four weeks before your card expires. No need to call! If for some reason you do not receive your card, please call (563) 557-7600 / 800-373-7600, ext. 206.
 

I need a pin number....?
Nicole Kop
 • 1156 days 23 hrs 48 mins 33 secs ago
I got my debit card but I never received any info about a PIN...help?
 

Re: I need a pin number....?
Dupaco Moderator
 • 1155 days 5 hrs 45 mins 10 secs ago

Nicole, you should receive your pin number in the next couple of days.

 

Accounts
Linda G
 • 1255 days 11 hrs 46 mins 59 secs ago
I don't like this page at all. How do I just go to my accounts that are already opened?
 

Re: Accounts
Dupaco Moderator
 • 1255 days 9 hrs 49 mins 48 secs ago

Linda, log in to online banking from Dupaco's homepage. To get to the homepage, either click on the Dupaco logo on the top left of this page, or go to www.dupaco.com. Once there, you'll see a box for you to enter your username under the green "Online Banking" in the top right quadrant.

 

My PIN
Lucinda
 • 1263 days 6 hrs 27 mins 11 secs ago
Just got my debit card in the mail. How do I set up my pin #?
 

Re: My PIN
Dupaco Moderator
 • 1261 days 5 hrs 22 mins 34 secs ago

Lucinda, We'll email you shortly to get you up and running! Thanks.

 

WOW
frank carte
 • 1308 days 39 mins 1 sec ago
50.00 to open up a FREE checking account does not constitute a FREE checking account
 

Re: WOW
Dupaco Moderator
 • 1269 days 9 hrs 50 mins 26 secs ago

Frank, The $50 required at opening is simply to fund the account. 100% of that money remains the member's- Dupaco does not keep any of it, nor is there any monthly fee or service charge for the account. Once the account is opened, the member may transact using that $50.

 

Where is the log-in to account?
Marichu Rinderknecht
 • 1373 days 22 hrs 44 mins 19 secs ago
Not sure if I am blind but this site is too cool but complicated. I can't see the log-in screen. I don't even know if I have money in my account :)
 

Re: Where is the log-in to account?
Dupaco Moderator
 • 1269 days 9 hrs 42 mins 1 sec ago

Marichu: With the website redesign you will now find the Online Banking login on Dupaco's homepage only. To get to the homepage, either click on the Dupaco logo on the top left of this page, or go to www.dupaco.com. Once there, you'll see a box for you to enter your username under the green "Online Banking" in the top right quadrant.

 

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