Checking Accounts

Our checking accounts are great for daily spending.
We offer a Basic and Advantage Checking to fit your needs.

Open a checking account. Current members

Which Checking Account is Right for You?

	Basic Checking	Advantage Checking
Monthly Fee	$0	$5
ATM Fees	$1 per transaction for out-of-network ATMs*	No ATM Fees*
Dividends	Earn Dividends on Balances of $1,000 or more	Earn Dividends on Balances of $1,000 or more
Minimum Balance Requirements	No Minimum Balance Requirements	No Minimum Balance Requirements
Cell Phone Protection	No	Yes
24/7 Roadside Assistance	No	Yes
Identity Theft Protection	No	Yes
Emergency Travel Assistance	No	Yes
Pet Coverage	No	Yes

*A terminal surcharge fee may still apply at certain ATMs. For a complete list of totally free ATMs, visit our ATM locations page.

Both Checking Accounts offer these Features

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Keeping your money safe and secure is our priority. You can feel good about banking with DuGood.

Enjoy the convenience of depositing a check anytime, anywhere. Snap a pic. Deposit a check. Get your money faster.

Get fast cash without the fees at thousands of ATMs across the Nation.

Access your account at thousands of credit union branches across the Nation.

Earn rewards every time you use your DuGood debit card and sign for your purchases. Your points can be redeemed for travel, merchandise, special events, cash for college, and more.

Don't miss a thing when it comes to your money. We've got many alert options to keep you in the know. Set up account alerts through Money Management, Online Banking, and CardValet.

Feel good knowing you can pay bills with a simple click and have no more worries about checks, stamps or late fees!

Do good for the earth and save a tree. Sign up for eStatements and have fast, free, secure access.

Enhance Your Checking Account

Overdraft Protection

DuGood checking accounts can be enhanced with Overdraft Protection, which allows an automatic transfer of funds from another account of your choice. This helps avoid embarrassment when you try to make a purchase but don't have enough funds in your account.

A $5 fee per transfer will apply. Overdraft Protection excludes Money Market Accounts.

Restrictions may apply. Not all overdrafts are guaranteed.

Courtesy Pay

We authorize and pay overdrafts for members 18 and older at our discretion for checks and other transactions made using your checking account number, automatic bill payments, ACH transactions, and other electronic funds transfers. You also have the option to opt-in in for courtesy pay for ATM transactions and debit card purchases.

Restrictions may apply. Not all overdrafts are guaranteed.

Are you ready to open a checking account?

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Get answers to frequently asked questions

What is your routing number?

Our routing number is 313186679.

How do I reorder checks?

Click here to reorder your checks.

How do I activate my debit card or change my debit card PIN?

Please call (800) 992-3808.

How do I report a lost or stolen debit card?

Please call (800) 472-3272.

How do I report debit card fraud?

Please call (800) 262-2024.

Is there a daily spending limit on debit cards?

Yes. The daily limit on debit cards is $1,500 for point of sale transactions and $500 for ATM transactions.

Is there a charge for replacing your debit card?

Yes. You can replace your debit card for just $10.

Advantage Checking

When will the $5 be drafted from my account?

If you choose Advantage Checking, $5 will be debited from your account on the first day of every month.

Who do I contact to get assistance or file a claim?

In order to file a claim, call:

Identity D Theft Protection: call 1-866-210-0361.
Cell Phone Coverage: call 1-866-210-0361 within 60 days of damage or theft.
Roadside Assistance, Emergency Travel Assistance, Pet Coverage: call 1-877-275-2995, and the service rep will contact available companies to assist you.

What if I decide I want to discontinue my Advantage Checking?

No problem. If you decide you would like to revert back to our Basic Checking, contact our Member Services team at (409) 899-3430 and complete our form to opt out.

Checking Accounts

Which Checking Account is Right for You?

Basic Checking

Advantage Checking

Both Checking Accounts offer these Features

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Enhance Your Checking Account

Overdraft Protection

Courtesy Pay

Are you ready to open a checking account?

SEE WHAT OTHERS HAVE TO SAY

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Get answers to frequently asked questions

Advantage Checking

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