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A move that's right on the money
Open a Dupaco checking account and we'll give you $300* cash

Enter giveback code CHECK300 during account setup to redeem.

Let's get started. Which describes you best?
I'm Already A Dupaco Member

I'm already a Dupaco member

Log in to your Shine account to get started.

     Log in to Shine     

I'm Not A Dupaco Member (yet)

I'm not a Dupaco member (yet)

Join & open your checking account today!

     Join Dupaco     

Not sure which checking account is right for you? Compare your options here.

Easy access: Monitor your savings, and add or withdraw money anytime, anywhere with our free Shine Mobile Banking app.
Your membership and active checking account comes with lots of free perks including:
  • Earn Thank Use: The more you use your checking account, the more you’ll earn.
  • Free Shine Mobile App: Access your account anytime, anywhere with our free mobile banking app.
  • Bright Track: Protect yourself against identity theft and keep tabs on your financial life.
  • Shared Branches: Get face-to-face service at thousands of locations across the country.

Hint: Don’t forget to use giveback code CHECK300 during account setup to get $300* deposited into your new checking account!

    Open my checking account           Join Dupaco    

Checking accounts for everyday spending
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 $300* back into your new account. Just enter the giveback code CHECK300 during account setup.

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
BalanceDividend RateAnnual Percentage Yield (APY)1Min. to OpenMin. to Earn
$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.

Open my checking account  Join Dupaco

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

Open my checking account  Join Dupaco

*CASH PAYOUT: Member must mention offer in branch, over phone OR enter promo code online to receive promotion. The $300 cash payout is 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. This offer is limited to a maximum of one Dupaco share draft checking account per member. 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.

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. This offer is available for a limited time and Dupaco reserves the right to alter or terminate the same at any time prior to its acceptance.

ACTIVE CHECKING DEFINITION: Within 90 days of account opening, either: 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, 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.

CURRENT RATES: For the most up to date checking account rates, click here. Rates are variable and may change after account is opened. Fees could reduce account earnings.