Dow Credit Union | Preferred Checking | Launch into Better Checking

Discover a Checking Account that is Right for You!

Dow Credit Union | Preferred Checking | Banking that’s light years ahead Earn more: 5.12% APY Preferred Checking

Preferred Checking

Accelerate your earnings with a checking account that rewards you for everyday activities.


Preferred Rate

5.12% APY

NO FEES, NO MINIMUM

APY (Annual Percentage Yield) applies to balances up to $20,000 after qualifying activities

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Dow Credit Union | Preferred Checking

Classic Checking

It’s everything you want in a basic checking account, nothing more and nothing less.


Classic Rate

0.25% APY

NO FEES, NO MINIMUM

APY (Annual Percentage Yield)

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Earn $1,000+ a Year with Preferred Checking!

The Sky is the Limit with Preferred Checking!

Earning your Preferred Checking rewards is easy—complete a few simple qualifying activities each month, and we’ll thank you with stellar earnings.

Dow Credit Union | Preferred Checking | Banking that’s light years ahead!
15 Debit Card Transactions
Dow Credit Union | Preferred Checking | Banking that’s light years ahead!Direct Deposit $900
Dow Credit Union | Preferred Checking | Banking that’s light years ahead!Sign in to Your Account
Dow Credit Union | Preferred Checking | Banking that’s light years ahead!Go Paperless
Dow Credit Union | Preferred Checking | The sky is the limit

Preferred Checking

Effective June 2, 2025 [listed rates are current]
Rate
Interest Rate
APY
 
Classic Rate
0.25%
0.25%
 
Preferred Rate
5.00%
5.12%

On balances up to $20,000 after qualifying activities.
Classic Rate is earned on balances over $20,000 or when monthly qualifying activities are not completed.

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.

Sign In & Apply  Join & Apply   Reorder Checks

Looking for simple, stress-free banking?

Classic Checking is all about simplicity—perfect for those who want straightforward banking without the extras. It gives you the tools to manage your money with ease, and access to a wide selection of designer checks, with your first order on us. Plus, Classic Checking accounts are eligible for Member Giveback with the Member Saver Reward and Visa® Debit Card Rebate!

Classic Checking

Effective June 2, 2025 [listed rate is current]
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.

Sign In & Apply  Join & Apply   Reorder Checks

Banking that's Light Years Ahead!

Dow Credit Union | Preferred Checking | Banking that’s light years ahead! 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. 

Dow Credit Union | Preferred Checking | Banking that’s light years ahead! 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.

Dow Credit Union | Preferred Checking | Banking that’s light years ahead! 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.

Dow Credit Union | Preferred Checking | Banking that’s light years ahead! 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.

Dow Credit Union | Preferred Checking | Banking that’s light years ahead! 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.

Dow Credit Union | Preferred Checking | Banking that’s light years ahead! 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.

Dow Credit Union | Debit Card

 

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.

 

Learn More | Locate an ATM