Enter promo code CHECK300 during setup for our New Checking Offer, and follow the steps below.
How to Earn Your $3001
Open It
Open the Dupaco checking account that fits you best, then use promo code CHECK300 online or mention the offer in branch or by phone.
Add Money1
Make qualifying deposits totaling at least $500 within 90 days of account opening. Cash, checks, ACH transfers and wires count—internal transfers don’t.
Get Paid
Complete the steps, and your cash bonus will land in your account within 5 business days. Just keep your account open through payout.
Not sure which checking account is right for you?
Your membership and active checking account come with lots of free perks including:
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Shine Mobile App: Access your account anytime, anywhere with our mobile banking app.
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Bright Track Financial Wellness Hub: Get personalized tips, track trends and stay ahead of your money goals.
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Shared Branches: Experience face-to-face service at thousands of locations across the country.
Hint: Don’t forget to use promo code CHECK300 during account setup to get $3001 deposited into your new checking account!
Whatever your checking needs are, we've got you covered.
We offer two great checking accounts: One that saves you money and one that earns you a competitive rate just for keeping a balance. Whichever you choose, we’ll deposit $3001 back into your new account. Just enter the promo code CHECK300 during account setup.
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Checking Accounts
1st Rate Checking
Ready for a checking account that puts you first? With a Dupaco 1st Rate Checking account, you'll earn a competitive rate—no hidden rules, no minimum debit transactions required. Just real returns to help you make the most of your money.
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No minimum to open
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Earn more when your balance is between $5,000 and $24,999.99—a sweet spot for maximizing your earnings
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If your balance goes above $25,000, your entire balance will earn the lower rate—but you’ll still be earning interest, so your money keeps working for you
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Skip the $10 monthly fee by keeping your monthly balance above $5,000
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Enjoy up to 125 free accumulative check transactions or deposits each month. After that, $0.20 will be charged per item.
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Free Dupaco MoneyCard/debit MasterCard with EMV chip technology
Balance Dividend Rate Annual Percentage Yield (APY)2 Min. to Open Min. to Earn $100,000+ 0.10% 0.10% None $100,000 $25,000 - $99,999.99 0.10% 0.10% None $25,000 $5,000 - $24,999.99 2.96% 3.00% None $5,000 $0.01 - $4,999.99 0.00% 0.00% None $0.01 Rates are effective as of 07/01/2025 and are subject to change without notice.
2APY= Annual Percentage Yield. Rates are variable and may change after opening the account. APY is accurate as of the last dividend declaration date. Fees could reduce account earnings.Free CheckingNo hassles or unexpected charges, and no hoops to jump through. Dupaco’s Free Checking is as straightforward as it gets.
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No minimum to open
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No monthly service charges
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No minimum monthly balance requirement
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Unlimited check writing and deposits
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Free Online & Mobile Banking services
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Free Dupaco MoneyCard debit MasterCard with EMV chip technology
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The Fine Print
1You may be entitled to receive Dupaco’s $300 New Checking offer. To receive this offer, you must: (i): open a Dupaco Share Draft Checking account using a designated code online or by mentioning this offer to a Dupaco representative in person or over the phone; (ii) deposit at least $500 of funds qualifying as “Acceptable Deposits,” as defined below; and (iii) take the appropriate steps to qualify the account as an “Active Checking” account within 90 days of opening the account. Dupaco will deposit the $300 into your Dupaco Share Draft Checking account within 5 business days of you completing all offer requirements. Dupaco membership is required to receive this offer. Please refer to the Consumer Account and Membership Terms and Conditions for additional details.
Account openings are subject to qualification and approval. Members may be issued a 1099‑INT for the reward and are responsible for any applicable taxes.
Eligibility Restrictions:
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Members are ineligible if opening a Dupaco Share Draft Checking account within 730 days of closing a Dupaco Share Draft Checking account for which they were an owner.
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An owner of an existing Dupaco Share Draft Checking account is ineligible for this offer.
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Individuals with a charged‑off Dupaco deposit or loan account are ineligible for this offer unless the charge‑off was paid in full.
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Members delinquent on any loan for 60 consecutive days or more at account opening or payout are ineligible for this offer.
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Qualifying accounts must not have a negative balance at the time of payout.
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Business, fiduciary, minor, estate, and trust checking accounts are ineligible for this offer.
“Acceptable Deposits” Definition:
Methods of deposits that are considered Acceptable Deposits for this offer include cash, checks, ACH (Automated Clearing House), credit/debit card advances, and wire transfers. Account transfers between Dupaco accounts are excluded from the methods of Acceptable Deposits.
“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.
Other restrictions may apply. This offer is available for a limited time, and Dupaco reserves the right to alter or terminate it at any time prior to acceptance.