Coming Soon
Premier Checking will soon be available. Please check back for updates.
Premier Checking will soon be available. Please check back for updates.
| Deposit Amount | APY** | Rate | Minimum Balance | Compare to National Average |
|---|---|---|---|---|
| $1 - $5000 | 3.00% | 2.96% | $500 | 1.15% |
Earn a fantastic interest rate on your Premier Checking while you have complete access to your money. Move money in and out without restrictions.
Not meeting the requirements for Premier Checking? No problem! Opt in for a low monthly fee and enjoy all the premium benefits.
*If a member doesn’t meet the requirements for Premier Checking after opting into the account and after the 60 day grace period, they will be charged the $15 monthly service fee.
If my account qualifies as a Premier Checking Account will it automatically be upgraded?
No. You must talk to a team member to upgrade your account and receive all the amazing benefits it has to offer.
If I have the Premier Checking Account will I automatically get Early ACH/Direct Deposits?
No. All members that want to request Early ACH/Direct Deposits must sign the opt in form before receiving the service.
Will I receive the monthly service fee of $15 when I no longer qualify for the Premier Checking Account?
In order to avoid the $15 monthly service fee, you must talk to a team member to have them downgrade you to the Value Checking Account. As you initially signed up for the Premier Checking Account it is your responsibility to notify the credit union that you no longer need the account.
Can I receive the benefit of the Early ACH/Direct Deposit with the Value Checking Account?
Yes, however you will receive a $4 fee for every Early ACH/Direct Deposit.
Do debit or credit card ATM Withdrawals count towards the 15 total debit or credit card transactions per month?
No. ATM Withdrawals do not count towards the 15 total debit or credit card transactions.
When does the credit union review an account to see if it meets the qualifications to be a Premier Checking?
On the last day of the previous month all accounts will be reviewed to ensure they meet the requirements for a Premier Checking Account.
Will the fees for mailed statements be charged automatically?
Yes, once the 45-day grace period is over, the system will automatically charge the member the $3.50 paper statement fee. If the member signs up for eStatements, up to 2 months of fees may be reversed.
Value Checking is more than “free” these days. With a checking account, you get a VISA Debit Card and you can pay your bills online for “free.” No postage and no hassle.
Set up Overdraft Protection or a path to transfer money from a line of credit or savings account to avoid overdraft fees. (Avoid the hassle and embarrassment of a “bounced” check and the fees associated with them).
Minimize your banking fees with a DRCU Business Checking account which includes a VISA Debit Card and Online Banking plus the ability to pay your bills online for free. No postage and no hassle.
“Take advantage of more flexibility and less parameters and keep more of your money in your business.” ~Kraig Black
Add the benefits of Premier Business Checking checking by maintaining a large minimum balance or by paying a monthly service fee. Not only will you save on many services but you’ll earn interest on your average daily balance.
“Earn interest and save on fees with a Premier Business Checking account.” ~Kraig Black
