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.
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?
- 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
| Balance | Dividend Rate | Annual Percentage Yield (APY)1 | Min. to Open | Min. to Earn |
|---|---|---|---|---|
| $100,000+ | 0.15% | 0.15% | None | $100,000 |
| $25,000 - $99,999.99 | 0.15% | 0.15% | None | $25,000 |
| $5,000 - $24,999.99 | 2.96% | 3.00% | None | $5,000 |
| Less than $5,000 | N/A | N/A | None | N/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 Checking | 1st Rate Checking | |
|---|---|---|
| Best For | Lower balances Saving money | Higher balances Earning money |
| Minimum to Open | None | None |
| Dividends | No | Yes |
| Minimum Balance | None | $5000 |
| Monthly Service Charges | No | $10 if minimum balance is not maintained 20 cents per item after first 125 checks or deposits |
| Overdraft Privilege | Yes | Yes |
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!
Overdraft protection
Mistakes happen. We've got your back.
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.
