Earn 3.04% APY
$20/month in ATM rebates
No monthly service fees
Unlike the big banks, we don't think service fees are very serviceable.
No minimum balance fee
Balances fluctuate. We believe you shouldn't be penalized for that.
Calculate your earnings
Use this calculator to estimate how much money you could earn with your High-Yield Checking Account.
EARNINGS IN A YEAR
Included with all checking accounts.
Most banks require you to have a minimum balance or recurring direct deposit to "avoid" fees. That just doesn't jibe with the credit union spirit. We work hard to make your accounts fee-free. For the fees that we do charge, we want to make sure that there is full transparency.
|High-Yield Checking Fees|
|ATM fee (in network)||$0|
|ATM fee (out of network)||$0|
Get help with High-Yield Checking.
The total spend during the previous month’s billing cycle will be used to determine if you qualify for the higher dividend.
In order to earn dividends, the direct deposits must be deposited into your High-Yield Checking Account.
To set up direct deposit, contact your employer and provide them with your DuPage Credit Union Account Number and our Routing Number: 271990198.
If you’re looking to set up multiple direct deposits, or transfer your auto debits over from another account to a DuPage Credit Union account, you can use ClickSWITCH®. All you have to do is sign up, submit your switches, and we’ll take care of the rest!
Yes, ATM transactions, the purchase of money orders or any cash back requested over point-of-sale, cash advances, and Peer to Peer transactions may be excluded from earning 3.04% APY. In addition, purchases made using third party payment accounts such as (Venmo and PayPal), may not be eligible for the higher APY.
Yes, if you have multiple DuPage Credit Union Credit Cards under the same Membership Account Number, the combined total of all of the purchases will go toward your $1,200 per billing cycle spend requirement. To view qualifying cards, login to your Online Banking account.
Yes, you’ll earn 3.04% APY on balances up to $15,000. After that, you’ll earn dividends at the stated Membership Savings Account Rate.
In order to earn 3.04% APY, you must (1) Sign up for Online Statements (2) Have a monthly direct deposit(s) of $500 or more (single) or $1,000 (cumulative) (3) Spend $1,200 or more per billing cycle on any DuPage Credit Union Visa® Credit Card. Even if you don’t meet these requirements, you’ll still receive the stated Membership Savings account rate and you won’t pay a minimum balance or service fee.
High-Yield Checking APY = Annual Percentage Yield. The High-Yield Checking dividend provides a 3.04% APY. Checking dividends may change after the account is opened and is subject to change on a monthly basis. DuPage Credit Union High-Yield Checking dividends are calculated by the daily balance method which applies a daily periodic rate to the balance in the account each day. Dividends will begin to accrue on the business day you place non-cash items (for example, checks) to your account. You may receive the High-Yield Checking APY on your High-Yield Checking Account at the end of the month when you spend a minimum of $1,200 during the previous billing cycle with a DuPage Credit Union Visa® Credit Card on qualifying purchases (net spend for the previous statement cycle). ATM transactions, the purchase of money orders or any cash back requested over point-of-sale, cash advances, and Peer to Peer transactions may not be eligible for the higher APY. In addition, purchases made using third party payment accounts (such as Venmo and PayPal), may not be eligible for the higher APY. This APY will be paid on checking balances up to a maximum of $15,000. Balances above $15,000 will be paid the stated Membership Savings Rate. See current rates. To qualify for the higher APY, you must meet the following requirements; otherwise, the APY will be paid at the stated Membership Savings rate on the entire balance of the account: Have at least one ACH deposit(s) of $500, or cumulative of $1,000 deposited directly into your checking account and be enrolled to receive Online Statements. No monthly service fees or minimum balance requirements apply to this account. Other restrictions may apply. Member must be in good standing.
You may receive ATM rebates up to a cap of $20 per month including other financial institution fees imposed (excluding Visa foreign transaction fees). You must meet the High-Yield checking qualifications each month to receive the ATM rebates.
Dividend earnings based on a checking account balance of $15,000.
We cannot and do not guarantee payment examples applicability or accuracy in regards to your individual circumstances. All examples are hypothetical and are for illustrative purposes. We encourage you to seek personalized advice from qualified professionals regarding all personal finance issues.