A little info and a few minutes are all we need.
Imagine it's the day before payday and you already have your paycheck in your pocket. At eDCU, you don't have to! We post direct deposits a day early and sometimes earlier than that! DIRECT Checking also gives you six ways to earn dividends and waive the low monthly fee. Get your money — faster — open your account today!
- Get paid a day early*
- Direct deposits post as soon as we receive them
- Earn dividends on your entire balance by meeting one of the easy qualifications
- Avoid the $3 monthly service fee by meeting one of the easy qualifications
- Unlimited monthly transactions
- Free online banking & bill pay
- Free mobile banking with mobile deposit
- Free eStatements
- Free Visa® rewards debit card
- Nationwide surcharge-free ATMs via the CO-OP and MoneyPass ATM networks
- Get in-person service across the country via the CO-OP shared branch network
- Overdraft protection available
- NCUA insured up to $250,000
- No minimum deposit to open
Earn dividends on your entire balance and have the $3 monthly service fee waived if ONE of the following criteria combos is met:
- Have $1,000 in monthly direct deposits AND enroll for free eStatements
- Have $1,000 in monthly direct deposits AND have $2,500 in month-end savings balances
- Have $1,000 in monthly direct deposits AND have $2,500 in month-end loan balances
- Have $2,500 month-end savings balances AND enroll for free eStatements
- Have $2,500 month-end loan balances AND enroll for free eStatements
- Be under 22 years old
- Be 70 years old or older
If you don't qualify one month, don't worry. You'll still have a low-cost checking account with unlimited transactions and timesaving services. And you can get back to earning dividends with no service fee the very next month!
*Depending on your employer's payroll procedure, your direct deposit may not be available prior to your actual payday.