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Thank Use Participation Dividends EligibleWrite checks, use a debit card, pay with your smartphone or device…Dupaco checking accounts make it easy to manage your day-to-day spending. Choose our free checking account for simple, basic checking. Or opt for a dividend-bearing checking account that pays you back. Whatever your checking needs are, we have you covered.

Convenient Access

Dupaco makes it easy for you to access your checking account, no matter where you are or what you’re doing.

Best of Both Worlds

We offer two great checking accounts to choose from: one that’s designed to save you money and one that helps you earn more just by having money in your account. Which one is best for you?

Free Checking1st Rate Checking
Best ForLower balances
Saving money
Higher balances
Earning money
Minimum to OpenNoneNone
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

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

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 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
$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 Your Account

Not a member yet?

Use our simple online application to join Dupaco and open your account.

Become a member Continue my application

Already a member?

Great! You can easily add new accounts to your existing membership in Shine.

Add a new account

Switching Is Easy

Contact us to learn about how ClickSwitch allows you to move your recurring payments from another checking account to your Dupaco checking online.

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 you prevent your account from being overdrawn:

  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

Need a new or replacement Dupaco debit card?

Call us at 800-373-7600, ext. 0 and a Dupaco representative will get you setup.

Lost, stolen or compromised Dupaco Debit Card? Take action now.

  1. Log into Dupaco Shine Online or Mobile Banking.
  2. Click the Account Safety tab (located on your Accounts page).
  3. Choose Card Security, then disable the card you suspect is missing or compromised.
  4. Check your Transactions page for suspicious activity.

If you’re certain the card is missing or compromised, call Dupaco immediately at 800-373-7600, ext. 201. 

Tips for Fraud Prevention and Recovery

Need to order checks?

There are two easy ways to order more!

Through Shine Online Banking
Log in 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 ready.

Plus, we offer two free boxes of checks per year for members age 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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