Checking Accounts
Discover a Checking Account that is Right for You!
- APY = Annual Percentage Yield. Rates subject to change. Preferred Checking is a free, variable-rate account with no minimum balance that pays the Preferred Rate on balances up to $20,000 when Qualifying Activities are met during the Monthly Qualification Cycle. Balances over $20,000 and all balances during cycles when qualifications aren’t met earn the Classic Rate. Qualifying Activities to earn the Preferred Rate, you must each month: (1) make at least 15 debit card purchases, (2) receive at least $900 in qualifying direct deposits, (3) sign in to online or mobile banking at least once, and (4) be enrolled in paperless delivery for all statements, tax forms, and notices. See Credit Union for details.
- APY=Annual Percentage Yield. Dividends on Classic Checking are prospective and therefore not guaranteed. The prospective dividends are declared by Dow Credit Union's Board. While year-end rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. Some limitations apply.
Earn up to $1,000+ a Year with Preferred Checking!
PREFERRED CHECKING ACCOUNT
Get rewarded with Preferred Checking!
Earning your Preferred Checking rewards is easy—complete a few simple qualifying activities each month, and we’ll thank you with earnings.
- 15 Debit Card Purchases
- Direct Deposit $900
- Sign in to Your Account
- Go Paperless
Preferred Checking
| Rate | |||
|---|---|---|---|
| Classic Rate | On balances over $20,000 or when monthly qualifying activities are not completed. |
||
| Preferred Rate | On balances up to $20,000 after qualifying activities. |
APY = Annual Percentage Yield. Rates subject to change. Preferred Checking is a free, variable-rate account with no minimum balance that pays the Preferred Rate on balances up to $20,000 when Qualifying Activities are met during the Monthly Qualification Cycle. Balances over $20,000 and all balances during cycles when qualifications aren’t met earn the Classic Rate. Qualifying Activities to earn the Preferred Rate, you must each month: (1) make at least 15 debit card purchases, (2) receive at least $900 in qualifying direct deposits, (3) sign in to online or mobile banking at least once, and (4) be enrolled in paperless delivery for all statements, tax forms, and notices. See Credit Union for details.
CLASSIC CHECKING ACCOUNT
Looking for simple, stress-free banking?
Classic Checking is all about simplicity—perfect for those who want straightforward banking without the extras. You’ll get the essential tools to manage your money with confidence. Plus, Classic Checking accounts are eligible for Member Giveback with the Member Saver Reward and Visa® Debit Card Rebate!
Classic Checking
| Dividend Rate | APY |
|---|---|
| 0.25% | 0.25% |
APY=Annual Percentage Yield. Dividends on Classic Checking are prospective and therefore not guaranteed. The prospective dividends are declared by Dow Credit Union's Board. While year-end rebates and rewards occur with great regularity, this credit union benefit is not guaranteed. Some limitations apply.
Checking Accounts that Check Every Box
No Minimum Balance, No Monthly Fees
Enjoy no monthly maintenance fees and no minimum balance requirements. It's simple, straightforward banking with fewer restrictions and more freedom.
30,000+ Surcharge-Free ATMs
Wherever you go, we’re there. As part of the CO-OP shared network, Dow Credit Union members gain access to over 30,000 surcharge-free ATMs across the U.S.—including convenient options right at our own branches.
24/7 Access to Accounts
Bank when—and where—it works for you. With our free mobile app and secure online banking, you can check balances, move money, and manage your finances 24/7. Available on the App Store and Google Play, we make it easy to stay connected on the go.
Automatic Bill Pay
Skip the stamps and schedule your bills with ease. Bill Pay lets you pay merchants straight from your checking account. Set up is fast, secure, and you are free to use it however and whenever you like.
Zero NSF Fees and Overdraft Protection
Sometimes life happens, but NSF Fees don’t have to. We help you worry less about the unexpected. For added peace of mind, you can also enroll in optional overdraft protection by linking your savings or a line of credit.
More than Just Checking
Members enjoy more than great checking—we also offer friendly service, great rates, and super-easy direct deposit setup. It's everything you need to make your money go further, all in one place.
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Upgrade your wallet with our Visa® Debit Card—a single card with a dual purpose!
Make purchases everywhere Visa® is accepted and use it as an ATM Card at over 30,000 ATMs.
