WHICH CHECKING ACCOUNT IS RIGHT FOR YOU?
Student Checking(Ages 13-18)
Advantage Checking(Ages 18+)
|Monthly Service Fee||NO Monthly Service Fee||NO Monthly Service Fee||NO Monthly Service Fee|
|Minimum Balance Requirements||NO Minimum Balance Requirements||NO Minimum Balance Requirements||NO Minimum Balance Requirements|
|Transaction Requirements||NO Minimum Transaction Requirements||NO Minimum Transaction Requirements||NO Minimum Transaction Requirements|
|Dividends||Balances of $5 or more||Balances of $1,000 or more||No|
|ATM Fees||NO ATM Fees*||$1 per transaction for out-of-network ATMs*||NO ATM Fees*|
|NSF or Overdraft Fees||NO Fees||$5||$5|
|Replacement Debit Card Fee||NO Fee||$10||$10|
|Cell Phone Protection||No||No||Yes1|
|24/7 Roadside Assistance||No||No||Yes|
|ID Theft Protection||No||No||Yes|
|Emergency Travel Assistance||No||No||Yes|
*ATM Fees: A terminal surcharge fee may still apply at certain ATMs. For a complete list of totally free ATMs, visit our ATM locations page.
1Cell Phone Protection: To receive cell phone protection, you must pay your cell phone bill from your DuGood advantage checking account.
eStatements required for Advantage Checking Accounts. Other restrictions, terms, and conditions apply to services. Contact the credit union for complete Advantage Checking disclosures.
CHECKING ACCOUNT FEATURES
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.
ENHANCE YOUR CHECKING ACCOUNT
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.
*Not all overdrafts are guaranteed. After 15 consecutive days of the account being overdrawn, account restrictions will apply. Overdrafts must be paid in full within 45 days.
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.
*Courtesy Pay covers certain overdrafts up to approved limits. A fee of $30 per transaction will apply. Not all overdrafts are guaranteed. After 15 consecutive days of the account being overdrawn, account restrictions may apply. After 30 consecutive days of a loan delinquency, Courtesy Pay will be restricted. Overdrafts must be paid in full within 45 days.
GET ANSWERS TO FREQUENTLY ASKED QUESTIONS