Basic
Checking
Flexible, straightforward checking account.
- NO monthly service fee
- NO minimum balance requirement
- NO transaction requirements
Whether you're managing everyday expenses or looking for extra perks, compare your options and find the account that's right for you.
Flexible, straightforward checking account.
Simple and rewarding, without the gimmicks.
75¢ moves to savings
Available with any DuGood debit card
Add Round Up to any checking account and turn everyday purchases into savings. Eligible debit card purchases are rounded up to the nearest dollar, and the difference is automatically transferred to your savings account.
$1M+ saved by 3,000 members in the program’s first 2 years.
Complete this form to start your application. In the next steps, you'll choose the account you'd like to open.
Anyone who lives, works, or worships in Chambers, Hardin, Jasper, Jefferson, Liberty, Newton, Orange, or Tyler County is eligible to join. Members can also sponsor their immediate family as members.
Please have the following information on hand before you begin opening your new account:
There are a few requirements to open an account through our online membership application. You must be able to acknowledge the following:
†As part of federal regulation intended to fight funding of terrorism and money laundering activities, all financial institutions must obtain, verify, and record information that identifies each person who opens an account, including employment/retirement information.
What this means to you is we must ask for name, physical address, date of birth, and other information necessary to verify your identity when opening your account. We may also ask to see other forms of identification such as your driver's license.
Please know we value your privacy and your information will be protected.
‡(1) The Tax Identification/Social Security Number entered is the correct taxpayer identification number (or I am waiting for a number to be issued), and
(2) I am not subject to backup withholding because: (a) I am exempt from backup withholding, or (b) I have not been notified by the Internal Revenue Service (IRS) that I am subject to backup withholding as a result of a failure to report all interest or dividends, or (c) the IRS has notified the Account Owner that it is no longer subject to backup withholding, and
(3) I am a U.S. citizen or other U.S. person
(4) I am exempt from FACTA reporting. The IRS does not require your consent to any provision of this document other than the certifications required to avoid backup withholding.
The headline and subheader tells us what you're offering, and the form header closes the deal. Over here you can explain why your offer is so great it's worth filling out a form for.
Remember:
*Annual Percentage Yield. Hi-Yield checking is a tiered rate account. The 5.84% rate and 6% APY is accurate as of 12/1/25 and applies only to the portion of the account balance between $1,000-$25,000 when all qualifications are met. If qualifications are not met or balances are greater than $25,000.01, the account could earn the current yields: 0.05% / 5.77% to 0.61%. Dividends are calculated by applying the rate for each tier to the portion of the balance that falls within that tier. The blended APY will vary depending on the total balance. Rates are subject to change without notice. Dividends are calculated daily and paid monthly. To earn the higher dividend rate each month, you must: 1. Maintain a daily balance between $1,000-$25,000. 2. Make 25 debit card transactions (excluding ATM transactions). All transactions must be posted on account by end of month. Pending transactions are not counted toward the qualifiers. 3. Have an aggregate total of $1,000 or more in ACH deposit(s) post to your account. 4. Be enrolled and receive eStatements. Offer valid for members 18 or older. Business accounts are excluded. This account is not eligible to earn uChoose rewards. Other restrictions may apply. Contact credit union for full details.
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.