The Best of Checking & Savings in One Account
It’s Easy to Earn 3.04% APY
Sign up for free Online Statements
Set up monthly direct deposit(s) of $500 (single) or $1,000 (cumulative)
Spend $1,200 or more per billing cycle with any DuPage Credit Union Credit Card
Earn 60x the National Average for Interest
Interest earnings based on a checking account balance of $5,000.†
Included with All Checking Accounts
Upgrade Your Checking Account
Thinking of upgrading your current DuPage Credit Union Checking Account to the new High-Yield Checking? Here’s what you need to know:
- If I upgrade my checking account will my Credit Union account number and debit card number change?
Account numbers and debit card numbers will not change for Premier and Preferred Checking Account holders. If you have a Wealth Management Account, you will be reissued a debit card with a new number.
- Will I still be able to access my old account statements?
Definitely. Because your account number isn’t changing, you can still access old monthly statements and information.
- I have automatic payments and bill pays set up through my account. Will I need to update them?
If you’re switching from a Premier or Preferred Checking Account, you will not need to update your automatic payments as the account number is not changing. If you are changing from a Wealth Management Account, your account number and debit card number will change; therefore, you will need to update any automatic payment information that you have set up at other financial institutions.
Frequently Asked Questions
- What are the requirements to earn 3.04% APY?
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.
- How are dividends calculated and paid? What time period is the Visa® Credit Card spend calculated?
Dividends are calculated daily and paid monthly. The total spend during the previous month’s billing cycle will be used to determine if you qualify for the higher dividend.
- When will ATM fee credits be deposited into my account?
Any ATM fee credits ($20/month limit) will be posted to your account on the last day of the month.
- Will I still earn dividends if my checking account balance is over $5,000?
Yes, you’ll earn 3.04% APY on balances up to $5,000. After that, you’ll earn dividends at the stated Membership Savings Account Rate.
- If I use more than one DuPage Credit Union Credit Card to make purchases, will the total of all the purchases count toward my $1,200 per billing cycle spend?
Yes, as long as the credit cards have 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.
- Are there any transactions that are excluded from earning 3.04% APY?
ATM transactions, money orders and person-to-person transactions (People Pay, Pop Money, Paypal, Venmo) do not qualify for 3.04% APY.
- How do I set up direct deposit?
To set up direct deposit, contact your employer and provide them with your DuPage Credit Union Account Number and our Routing Number: 271990198.
- Where does the required monthly direct deposit need to be deposited?
In order to earn dividends, the direct deposits must be deposited into your High-Yield Checking Account.
Have more questions?
Please contact us at 800-323-2611 or at email@example.com.
Refer to "Important Account Information for Our Members" Disclosure and Current Fees and Charges for details. 1APY=Annual Percentage Yield. The High-Yield Checking dividend provides an Annual Percentage Yield (APY) of 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). This APY will be paid on checking balances up to a maximum of $5,000. Balances above $5,000 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. 2Standard message and data rates may apply. Refer to your communications service provider. 3Must be at least 16 years old (with a parent or legal guardian as joint owner) or older to have a DuPage Credit Union Checking Account. Members who are registered for Online Bill Pay and do not pay a minimum of one bill per month will be assessed a monthly $5.00 Inactive Online Bill Pay fee. 4Must have a DuPage Credit Union Checking Account. Standard message and data rates may apply. Refer to your communications service provider. Other restrictions apply.
*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. You may receive ATM rebates up to a cap of $20 per month including other financial institution fees imposed (excluding Visa foreign transaction fees).
† 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.
‡ National rates are calculated as of 8/30/18 and based on a simple average of rates paid (uses annual percentage yield) by all insured depository institutions and branches for which data are available. Data used to calculate the national rates are gathered by RateWatch. Interest checking account rates are based on the $2,500 product tier. Account types and maturities published in these tables are those most commonly offered by the banks and branches for which we have data – no fewer than 45,000 locations and as many as 81,000 locations reported. The deposit rates of credit unions are not included in the calculation. Visit FDIC for details.