Checking Accounts
Simply the Safest and Smartest Way to Bank with DCFCU
You work hard for your money. Protect it, grow it, and manage it with confidence. DCFCU’s Secure Checking and Secure Plus Checking accounts combine everyday banking convenience with powerful identity protection and money-saving benefits, giving you peace of mind and real financial value.
Secure Checking
Everyday banking done right, with built-in identity protection.
Financial Features
- Dividends paid on average daily balances of $1,000 and above
- Free transactions at all DCFCU ATMs
- Online Banking and Bill Pay
- Account Alerts and Mobile Check Deposit
- Zelle® — send money fast and securely
- Four free transactions per month at Presto® ATMs (surcharges may apply)
Help Better Protect Your Identity
Included with a low $1.99 monthly service charge:
- Identity Theft Expense Reimbursement Coverage2 — up to $25,000 to help pay expenses, clear your name, and restore your identity if you become a victim of identity fraud.
- Comprehensive Identity Theft Resolution Services — your own dedicated fraud resolution specialist works with you every step of the way until your identity is fully restored.
Secure Checking is ideal for members who want reliable, low-cost checking with serious identity protection.
Secure Plus Checking
All the benefits of Secure Checking, plus extra rewards, advanced monitoring, and cell phone protection.
Financial Features
- All Secure Checking features
- 5 free Cashier’s Checks and Money Orders per month
- $0.05 cash back per debit card purchase
Advanced Identity Protection with IDProtect®
Included with a low $3.99 monthly service charge:
- Identity Theft Expense Reimbursement Coverage2 — up to $25,000
- Comprehensive Identity Theft Resolution Services with a dedicated specialist
- Credit File Monitoring — daily monitoring with automated alerts (registration/activation required)
- Credit Report and Score3
- Dark Web Monitoring — alerts when your personal information appears on the dark web (registration/activation required)
- High-Risk Transactions Monitoring — alerts for new accounts, password resets, address changes, and more (registration/activation required)
Help Protect From Unexpected Loss
- Cell Phone Protection2 — up to $300 per claim for repair or replacement if your phone is stolen or damaged (U.S. and abroad). Up to two claims per 12-month period. Covers up to four phones on a single bill paid from your eligible DCFCU account.
Secure Plus Checking is perfect for members seeking maximum protection, cash-back rewards, and premium identity & device safeguards. Open your Secure or Secure Plus Checking account today and experience the safest, smartest way to bank.
Open Secure Plus Checking Account
Why Choose DCFCU Checking Accounts?
- Strong dividends on qualifying balances
- Robust identity theft protection and resolution services
- Convenient digital tools including Mobile Deposit, Zelle, and account alerts
- Real-world benefits like cash back, free checks, and cell phone protection
- Local credit union service you can trust
Already have Secure or Secure Plus Checking?
Accessing your benefits is easy! Visit dcfcu.enjoymybenefits.com. Register using the Access Code provided in your account welcome materials. Follow the simple, step by step instructions to complete registration and activate your credit monitoring. Continue to access your benefits with the username and password you create.
1Benefits are available to personal checking account owner(s), and their joint account owners subject to the terms and conditions for the applicable Benefits. Some Benefits require authentication, registration and/or activation. Benefits are not available to a “signer” on the account who is not an account owner or to businesses, clubs, trusts organizations and/or churches and their members, or schools and their employees/students. 2Special Program Notes: The descriptions herein are summaries only and donot include all terms, conditions and exclusions of the benefits described. Please refer to the actual Guide to Benefit and/or insurance documents for complete details of coverage and exclusions. Coverage is provided through the company named in the Guide to Benefit or on the insurance document. Insurance products are not insured by the NCUA or any federal government agency, not a deposit of or guaranteed by the credit union or any credit union affiliate. 3Credit score is a VantageScore 3.0 based on single credit bureau data. Third parties may use a different type of credit score to assess your creditworthiness.
Money Management Account
To earn a premium interest rate without tying up your cash, this easy-access account lets you enjoy complete liquidity — including access to Tellerline 24 or any of our branches. This powerful money management tool keeps your funds liquid and flexible while strengthening the earning potential of your hard-earned money. The minimum balance required to open this account is $2,500. You must maintain a minimum daily balance of $2,500 in your account to obtain the disclosed annual percentage yield. Dividends are compounded and credited to your account every month.