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.

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!

Overdraft protection

Mistakes happen. Maybe you forgot about a withdrawal that you made or accidentally swiped your debit card when you meant to use your credit card. Suddenly there’s not enough money in your checking account to cover a purchase or check payment. When that “oops!” moment happens, we have you covered.

There are two ways we help cover your payments or purchases:

  1. We’ll automatically transfer funds between your accounts to cover the shortfall if you link your checking account to another Dupaco account (like a savings account).
  2. We’ll temporarily cover the difference for you through our Overdraft Privilege program.

Learn more about your overdraft protection options




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: 4/20/2019
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 0.40% 0.40% $50 $100,000
1st Rate Checking $25,000-$99,999 0.25% 0.25% $50 $25,000
1st Rate Checking $5,000-$24,999 0.15% 0.15% $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.


Comments (26)
Pending Transactions
 • 19 days 12 hrs 22 mins 8 secs ago
They use to show on my Summary but don't see it now. What happen to Pending Purchases that are on debt card but not used pin on?

Re: Pending Transactions
Dupaco Moderator
 • 14 days 16 hrs 2 mins 38 secs ago

Hi Carolyn, we'll have a member service representative reach out to you and help you locate the pending transactions.


Pending Transactions
 • 19 days 12 hrs 22 mins 8 secs ago
They use to show on my Summary but don't see it now. What happen to Pending Purchases that are on debt card but not used pin on?

Re: Pending Transactions
Dupaco Moderator
 • 14 days 16 hrs 2 mins 38 secs ago

Hi Carolyn, we'll have a member service representative reach out to you and help you locate the pending transactions.


Never received my card
 • 118 days 7 hrs 12 mins 53 secs ago
Hi I see that it says it takes 7 to 10 business days for my card to arrive. It was ordered on the 10th and shipped out on the 17th. I still haven't received it and no one seems to be able to help me with this situation. I talked to customer service and they said that they can't do anything including placing an order to get another card, as well as calling me a mam the whole time (I can assure you that I do not sound like a girl). I understand that it's Christmas time and all that but I can't even get gifts or anything because of this.

Re: Never received my card
Dupaco Moderator
 • 112 days 11 hrs 7 mins 50 secs ago

Hi Jacob, we're sorry to hear that your card hasn't arrived in a timely manner. Carrie from our card services department will be reaching out to you to see what we can do to get your card in your hands as soon as we can.


 • 186 days 54 mins 51 secs ago
How long does it take to get your card through the mail? I am going out of town this weekend prefer not to carry cash.

Re: Card
Dupaco Moderator
 • 185 days 14 hrs 50 mins 2 secs ago

Hi Michaele, cards generally take 7-10 business days from when they were ordered to arrive. We'll have someone from our Card Services department reach out to you with an ETA on the card and get a travel alert set.


 • 206 days 6 hrs 21 mins 39 secs ago
Where do i find access to log into my account on line? I may just be over seeing it. Thank you.

Re: unable
Dupaco Moderator
 • 205 days 15 hrs 49 mins 12 secs ago

Hi Cristina, you can find the login for Shine to the right of the main banner graphic on the homepage of


online banking
 • 243 days 12 hrs 46 mins 10 secs ago
I have no access to online banking it claims i'm unable to be located when i've been a member for years. is there a reason member numbers aren't working?

Re: online banking
Dupaco Moderator
 • 242 days 16 hrs 16 mins 27 secs ago

Hi Sloane, we'll have someone reach out to you here shortly to troubleshoot.


 • 274 days 6 hrs 19 mins 16 secs ago
Was wondering how long it takes to get a debit card once account is opened

Re: Card
Dupaco Moderator
 • 273 days 16 hrs 3 mins 30 secs ago

Hi Chris, it takes 7-10 business days for cards to arrive once they have been ordered.


Debit card question
Madison C
 • 302 days 6 hrs 26 mins 56 secs ago
I have a debit/money card and I just want to make sure that there isn't a certain amount of times I have to use it in a month.

Re: Debit card question
Dupaco Moderator
 • 301 days 15 hrs 41 mins 13 secs ago

Hi Madison, we do not have an minimum usage requirements with our debit cards.


 • 366 days 16 hrs 6 mins 7 secs ago
have tried numerous times to get into my accounts with no success. never had this problem with the bank I left. Online banking is how I check my accounts.

Re: frustrated
Dupaco Moderator
 • 366 days 15 hrs 14 mins 31 secs ago

Hi David, we're sorry to hear that you're having trouble logging in. We'll have someone from our Member Service department reach out and help you troubleshoot.


 • 606 days 12 hrs 24 mins 22 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
 • 606 days 7 hrs 58 mins 36 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.


Poor credit :(
Kate r.
 • 622 days 13 hrs 10 mins 10 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
 • 620 days 16 hrs 9 mins 21 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.
 • 641 days 10 hrs 23 mins 26 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
 • 641 days 8 hrs 14 mins 34 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
 • 667 days 14 hrs 51 mins 31 secs ago
What does opt in and opt out mean

Re: Opt in opt out
Dupaco Moderator
 • 667 days 11 hrs 44 mins 22 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.


 • 672 days 2 hrs 31 mins 29 secs ago
Does Dupaco have ATM fee reimbursement?

Re: ATM Fee
Dupaco Moderator
 • 669 days 15 hrs 48 mins 47 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.


 • 860 days 16 hrs 25 mins 33 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
 • 858 days 10 hrs 51 mins 35 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
 • 899 days 9 hrs 38 mins 40 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
 • 899 days 8 hrs 27 mins 12 secs ago

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


 • 1136 days 3 hrs 37 mins 26 secs ago
Are there any monthly fee with a checking and saving accounts?

Re: fee
Dupaco Moderator
 • 1135 days 12 hrs 33 mins 25 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.


 • 1149 days 3 hrs 41 mins 12 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
 • 1148 days 14 hrs 2 mins 16 secs 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
 • 1192 days 2 hrs 5 mins 32 secs ago
where can I get a new debit card if mine gets broken?

Re: Debit Card
Dupaco Moderator
 • 1191 days 15 hrs 39 mins 46 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.


 • 1193 days 5 hrs 12 mins 28 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
 • 1192 days 13 hrs 50 mins 7 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
 • 1201 days 13 hrs 4 mins 22 secs ago
Does free checking also mean the checks are free?

Re: Free Checking
Dupaco Moderator
 • 1201 days 12 hrs 41 mins 5 secs ago

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


$10 fee
 • 1295 days 12 hrs 52 mins 21 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
 • 1291 days 9 hrs 25 mins 36 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.


 • 1343 days 11 hrs 5 mins 6 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
 • 1341 days 15 hrs 48 mins 31 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
 • 1344 days 9 hrs 28 mins 45 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
 • 1344 days 8 hrs 36 mins 55 secs ago

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


Debit Card PIN
Kelly B
 • 1539 days 13 hrs 13 mins 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
 • 1537 days 9 hrs 21 mins 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
 • 1687 days 1 hr 26 mins 39 secs ago
How long can your account stay at a zero balance before it is closed on you?

Re: zero balance
Dupaco Moderator
 • 1684 days 8 hrs 53 mins 19 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.


I need a pin number....?
Nicole Kop
 • 1731 days 4 hrs 2 mins 49 secs ago
I got my debit card but I never received any info about a

Re: I need a pin number....?
Dupaco Moderator
 • 1729 days 9 hrs 59 mins 26 secs ago

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


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