Digital Federal Credit Union · U.S. checking accounts

DCU Free Checking

Credit-union checking with no monthly maintenance fee or minimum opening checking balance. Membership requires an eligible connection or participating organization and a $5 membership savings share. SSN or ITIN and U.S. address verification apply.

Pros

No monthly maintenance fee.
No minimum checking opening balance.
Shared-branch and ATM access.

Cons

Membership eligibility and a maintained $5 Primary Savings share are required, separate from checking funding.
An SSN or ITIN and verified U.S. residence are required for membership.
Paid overdrafts can cost $15 per item, capped at two fees daily; small-item and balance exceptions apply. Returned items cost $0.
Outgoing wires cost $15 domestic or $40 international; other institutions may add charges.

Generated from the provider's published terms and reviewed against official sources.

Costs and key facts

Recurring fee	0 (currency not confirmed)
Minimum opening deposit	0 (currency not confirmed)
SSN requirement	Conditional
ITIN accepted	Accepted
Credit check	NotStated

Eligibility and application requirements

U.S. address: Required

Residency and other conditions: DCU membership is required. The account agreement requires U.S. residence, U.S. citizenship or legal-resident status, a valid tax ID and membership eligibility through an accepted employer, family, community or organization route. Membership applicants must provide an SSN or ITIN, U.S. residential address and acceptable photo/address identification. A $5 Primary Savings share must be opened and maintained separately from Free Checking; an organization donation may apply to your membership route.

Geographic restrictions: Not confirmed. Confirm availability in your state.

Product review: 31 Oct 2026. Source retrieval dates below are separate from editorial verification. An accepted ITIN does not establish residency eligibility.

Compare u.s. checking accounts requirements and costs · How we assess published requirements

Service fees

Overdraft / returned item	15 (currency not confirmed)
Outgoing domestic wire	15 (currency not confirmed)
Incoming wire	Not confirmed
Outgoing instant transfer	Not confirmed
Incoming instant transfer	Not confirmed
Global remittance	Not confirmed · Outgoing international wires cost $40; the receiving institution may charge additional fees.
Allpoint ATM	Not confirmed
Other ATMs	DCU charges no non-DCU ATM transaction fee. ATM owners may impose surcharges; eligible Plus or Relationship benefits can reimburse up to $10 or $25 monthly respectively.
Cash deposit	Not confirmed