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Personal Checking Accounts

Dupaco checking accounts make it easy to manage your everyday spending

Say hello to hassle-free money management. Choose from two convenient checking account options to pay bills, access cash and more. This way, you have more time to focus on what matters most.

Open my checking account Not a member? Join Dupaco

 

Types of checking accounts

Choose the option that fits your lifestyle

We offer two convenient checking accounts: One that’s designed to save you money and one that helps you earn more (up to 3.00% APY1) just by having money in your account. Which one’s best for you?

Ready for a checking account that puts you first? With a Dupaco 1st Rate Checking account, you'll earn up to 3.00% APY1—no hidden rules, no minimum debit transactions required. Just real returns to help you make the most of your money.

  • No minimum to open
  • Up to 3.00% APY1 with a minimum monthly balance of $5,000 to keep your money working for you
  • Ability to skip a $10 monthly fee by keeping your monthly balance above $5,000
  • Enjoy up to 125 free accumulative check transactions or deposits each month. After that, $0.20 will be charged per item.
  • Free online and mobile banking services
  • Free Dupaco MoneyCard/debit MasterCard with EMV chip technology

Current Rates

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 - $24,999.992.96%3.00%None$5,000
Less than $5,000N/AN/ANoneN/A
Rates are effective as of 11/05/2024 and are subject to change without notice.

1APY= 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.

No hassles or fees. No unexpected charges or 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 and mobile banking services
  • Free Dupaco MoneyCard/debit MasterCard with EMV chip technology
Free Checking1st Rate Checking
Best ForLower balances
Saving money
Higher balances
Earning money
Minimum to OpenNoneNone
DividendsNoYes
Minimum BalanceNone$5000
Monthly Service ChargesNo$10 if minimum balance is not maintained
20 cents per item after first 125 checks or deposits
Overdraft PrivilegeYesYes
Features

Enjoy convenient access to your money and so much more!

Digital banking

Keep tabs on your spending, pay bills, make mobile deposits and more—all within Shine Online and Mobile Banking.

Free debit card

Use your free MoneyCard/Debit MasterCard (with EMV chip and contactless payment technology) to make payments and withdraw cash.

Switch easily

ClickSwitch helps you move your recurring payments from another checking account to your Dupaco checking online. Contact us to get started!

Effortless deposits

Watch your paycheck, pension or benefits payments automatically land in your checking account with direct deposit.

Fee-free withdrawals

Make unlimited fee-free withdrawals at Dupaco ATMs, plus up to eight fee-free transactions per month at Privileged Status and CO-OP ATMs.

Federally insured

Feel confident knowing your deposits are federally insured up to $250,000 by the National Credit Union Administration.

ChangeUp Savings

Save every time you spend

Sometimes, it’s the little things that make a big difference. With ChangeUp Savings, you can save a little every time you spend. This free savings tool automatically rounds up your debit purchases to the next dollar and deposits the extra “change” right into your savings account. It’s a simple way to grow your savings without even thinking about it!

Here’s how it works: Let’s say you buy something for $9.75 with your Dupaco MoneyCard debit card. ChangeUp Savings will round it up to $10 and deposit the 25-cent difference into your savings.

It's automatic. It’s easy. And best of all, you’re in control. Simply log in to Shine Online or Mobile Banking and select the checking account you'd like to start round-ups from. Click “Actions,” and choose “Activate ChangeUp Savings” to get started. Pro tip: You can set up or stop this feature anytime!

Log in to Shine

Overdraft protection

Mistakes happen. We've got your back.

Automatic Transfers

Automatic transfers

We’ll transfer funds between your accounts to cover the shortfall if you link your checking account to another Dupaco account (like a savings account).

Additional Coverage

Additional coverage

We can also temporarily cover the difference for you through our Overdraft Privilege program. Learn how the service works here.

Order new debit card or checks

Need a new Dupaco debit card, some fresh checks or maybe both?

You’re in the right place! Let’s get started.

Call us at 800-373-7600, and a Dupaco representative will get you set up.

If you’re certain your card is missing or compromised, call Dupaco immediately at 800-373-7600, ext. 201. You can also:

  • Log into Shine Online or Mobile Banking.
  • Go to My Settings and find the Card Security section.
  • Turn off the card you suspect is missing or compromised.
  • Check your Transactions page for suspicious activity.

Take control with these fraud prevention and recovery tips >

Through Shine Online Banking:

  • Log in to Shine and go to “Check Services.”
  • Click on “Order Checks,” select your account and follow the prompts.

By Phone:

  • Call 800-373-7600. Have your member number and starting check number handy.

Did you know? We offer two free boxes of checks per year for members ages 50 or better who have direct deposit of pension or Social Security and have a total balance (deposits or loans) of $1,500 or more with Dupaco.

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