Sorry - this is a deposit account, I'm not applying for credit. The money should've been sent back when they knew my account was CLOSED! While. Then all of a sudden they stopped drafting. The DCU Primary Savings Account is ideal for individuals who are just getting started on their savings journey. Another thing I love about this DCU account is the free checking, no monthly fee or maintenance charges. They have always been ahead of the curve in technology and customer service. I also have a Money Market account. Nutgraf - I'm planning to open a CD with DCU. I just applied today for a secured credit card and their system instantly approved me for a maximum of 10,000. As you save more and your balance grows, this APY becomes less appealing. A savings account with a higher-than-average rate and minimal fees. They give good interest rate. They give the loan that you want. If you’re not currently a member, you can join one of their charities for as little as $10. What all I can say is the poorest, worst, terrible service offered by a bank I have ever seen. Similar to a credit builder loan in regards to earning, completive dividends are made on the account used as collateral. Me and my parents have been DCU account holders for over 10 years. A free high-interest savings account with a $100 minimum deposit to open. Social Security number or individual taxpayer ID Number (ITIN). Was cool on that very day aug 9th I made online purchases overstock $486.59 and Amazon $28.17,10.50 fraud prevention called me to verify if it was me doing those purchases I confirmed yes money was deducted off my actual bal on my account for those purchases. I also opened a saving account when I opened my checking. Contact [email protected] to report inaccurate info or to request offers be included in this website. If you are If you’re a new user, you’ll be required to open a primary savings account. In the past I had fraud on my account for around $120, they said it was too little for them to investigate and didn't give reimburse me. Whatever you’re saving for – college expenses, a wedding, travel, or other … They give you the loan you want, but not so easily. I have disputed with DCU with proof and the customer service was arrogant, pathetic service and not willing accept their fault (even after showing the proof of automatic scheduled payments) and never reversed false reporting to credit bureaus and not accepting their fault, which was falsely reported to credit bureaus. But they never told me that I would have to fill out another form allowing them to take the funds out of my credit card. Please do not waste time by going with DCU. I like it because it has good saving plan. Spouse, domestic partner, child, grandchild, parent, grandparent or sibling of a current DCU member or an eligible member. I was supposed to make payments to Qater airlines on the 14th aug 2019 so I deposited cash $208.00 atm Andover ma then I did TWO payments to Qater airlines $250.00 and $200.00 did some other transactions uber.On August 15th 2019 received cash app of $492.50 then the bank takes my $486.59 that it was paying overstock purchases. Cassidy enjoys educating people about financial services, exploring the Pacific Northwest and watching endless reruns of The Office. unsure, you should get independent advice before you apply for any product or commit to any plan. Other conditions may apply. While researching bank account bonuses on Doctor of Credit, I noticed that DCU was listed as offering 5% APR on the first $1,000 in savings. I was a little nervous about the "online only" factor, especially when signing up and putting very personal information through the internet, but after being with them for over 2 years I can say I've never had an issue with it. The experience over the years has been exemplary. Customers should not have to jump through hoops to get to their money. You can also deposit a check when you go through the drive through ATM as well as take out money from your checking or savings account. But very poor customer service. I deposited the check and two days later went back to the bank and asked the manager to “please confirm whether or not the funds cleared their account “, once again she refused to provide the info! I love everything about DCU and their staff. Benefits of Primary Savings. No monthly maintenance fees. Earn a promotional APY for your first 3 months and access your money by ATM, check or bill pay. I have been a customer for 10+ years. You’re rewarded with no monthly fees, a low $5 opening deposit and 6.17% APY — but only on the first $1,000 in your account. The free checking is defiantly a plus! You can even get your pay check 2 days early when you apply for direct deposit and you can even pay your bills online. DCU also partners with a few towns and cities in Massachusetts and Georgia, offering membership to residents in those locales. I would recommend it to friends or family. DCU is a good credit union. Digital Federal Credit Union (DCU) Reviews. DCU’s savings and money market accounts offer interest when certain conditions are met, including a minimum account balance. Get our weekly newsletter for the latest in money news, credit card offers + more ways to save. Always recommend them. Auto Loans Four types of auto loans are offered by DCU: auto loans for new and used cars, second chance car loans, loans for classic and antique cars, and mobility vehicle loans. My experience has been wonderful. Their processes are too beaucratic and feel like they are stuck in the 90's. After having a terrible experience with a bigger bank, I switched to DCU simply because they advertised NO / LOW fees, and no hidden fees or "got-ya's". Anyone can contribute to the account, including parents, grandparents, relatives, or friends,** and the funds can also be used for primary education expenses, such as private elementary school tuition. (Everyone was doing then.) Coverdell education savings accounts. The staff is so nice and perform awesome customer service! 15-min later called the second bank. Truly an amazing "big" credit union. Had a checking account, savings account, and credit card with DCU. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. I tried complaining to a supervisor and they hung up on me! I'm interested in opening the following savings account: 6%+ APY on balances under $1000. Not even a month and I received a call that my on-line access was disabled. They are always friendly and helpful with all of my banking needs. It establishes your membership in the credit union and you can use it as a springboard to take advantage of all that DCU has to offer. I have called DCU and had no problem talking to anyone and I LOVE their mobile banking app. You could also choose to open other types of bank accounts at this stage. Cassidy Horton is a writer for Finder, specializing in banking and investments. 1-my last 3 wire transfers youdelayed them,I almost lost buying a house 2-now I called and the answering message says 50 min hold time 3-car loans I used to get them very easy, now I got zero response for a week 4-numerous time you automatically re format my address and drop the unit number. I have had this LTD rate a few times. Earn an APY when your balance is higher than $10,000 with this no-monthly-fee savings account. On August 13th I did an ATM cash deposit in Andover of $620.00 because was topping up to do another purchase from Apple which was of $1797.00 I didn't have any pending purchase/payment on my account. I have even been thinking about opening a money market account but as of yet I have not. I was confused, because it's been $750 since I became a member earlier this year. They have a ton of no-fee ATMs you can use, and even depositing checks is easy if you have a little tech savvy. It had never gave me an issue. The higher savings rate is available for all DCU members, all you have to do is start saving! We are not affiliated with the financial institutions included in this website. Digital Federal Credit Union does offer you the option to earn some extra perks if you have what it calls Relationship Benefits, as described below. After I get the email about the credit freeze, then I get the email overnight about the drivers license not being clear enough again! Their actual mortgages are relatively standard for the mortgage industry, but like many credit unions tend to come at slightly lower rates. Even though I had automatic payments, always paid off full amount since last 18 years, but, since last few months, they are falsely reporting to credit bureaus though it is their flawed and automatic payments caused the issue. Tipik – Kent, WA READ MORE REVIEWS My latest product was opening another savings account which was SO EASY!! This money market account offers a competitive APY. The Central Bank of Kansas City Savings account, offered through SaveBetter, has a $1 opening deposit and earns 0.4% APY. I have been a loyal customer past 18 years, yes, last 18 years. If you don’t want the My Checking account, you can still earn a 1.00% APY on your My Savings account balance. They also gave me a credit card that at the time was my highest limit. Once an associate asked for one document and when we called him up again and talk to another associate he asked for another document. I have had a great experience every time. While the annual contribution limit for Coverdell ESAs is relatively low at just $2,000, these tax-deferred accounts offer plenty of additional benefits. They offer the same exact services a big bank would offer (i.e. We strive to ensure our content is clear and honest. I have been a member of DCU for a few years now. However, the free credit score is the main reason that I have this account. They have great rates for loans and Credit card options!! HORRIBLEToday I scheduled a 25k wire transfer... called dcu... waited on hold for 40 minutes... talked to several people including a manager and they blew me off saying they can't help me and I need to wait for the wire department to call meAnd it's almost 2pm eastern and the cutoff for today's wire and NOTHINGJUST HORRIBLE wire transfer confirmation S-1994215 Bogdan Dumitrescu member 5156805. Savings Secured Lrequire collateral and can only be offered borrowed against a DCU Savings or Certificate Account. Here’s a look at their primary mortgage offerings: Fixed-rate loans Before opening the account, everything was well explained to me in a clear and easy way with the help of a knowledgeable, professional staff. I found DCU after searching everywhere for a bank with no fees for checking. Member since 2001 I'll be switching. I was just below that, but I still got somewhere around a 2.99% rate, shaving a huge amount of interest off my loan! You are about to post a question on finder.com: I agree to Finder’s terms of use and privacy and cookie policy, and I opt in to receive email from Finder, Subscribe me to Finder’s free weekly newsletter for budgeting tools, timely news and savings essentials to take control of your finances. Digital Federal Credit Union (DCU) - Read unbiased reviews of Digital Federal Credit Union (DCU), rated 4.2 out of 5 stars by 262 users Highlights: The 0.70% APY applies to your My Savings account balance when you also have a My Checking account that receives a monthly direct deposit totaling at least $1,000. Other than that, it was very easy to get a new card printed that day. after a back and forth long conversation over the phone I decided do close all my accounts. Well, this time, I used the high-end flatbed scanner. I have been with DCU since I was an employee with DEC back in 1994. I also have a savings account. This DCU bank would not allow you to reset your initial ATM Debit car PIN/Password, where as ALL other banks allow you to reset it. Basically, automatic payments did not work as it was intended not just once, but, was broken more 6-7 times and they accept their fault. Because shortly after your balance exceeds this limit, you reach a tipping point where you’ll earn more with a regular high-yield savings account. I contacted them and they said that a checking account is not required. Took five days to fix issue. Earn one of the highest interest rates without the fees. mortgages, credit cards, loans, etc) without the big bank fees! They didn't make a lot of sense, and the English was terrible. This account offers a 6% interest rate on up to $1,000, has no monthly fees, and has no hoops to jump through. I have been banking with DCU for three years. finder.com is a financial comparison and information service, not a bank or product provider, We cannot provide you with personal advice or recommendations, CIT Bank Savings Builder High Yield Savings Account. She argued that since I do not have an account with DCU then I am not entitled to their services!!!! The rep (in Risk Management) treated me like the criminal not the victim. to us. No account opening or maintenance fees. Ok, I can appreciate it may not have been clear enough and was prepared to resubmit. In this review, we’ll cover: Savings account options CD rates Checking account options Money market account IRA options DCU savings account options Primary Savings This account … In general, Digital Federal Credit Union’s savings accounts offer lower interest rates compared with competing products listed on our round-ups of the best savings accounts. I have got 9 different phone calls summing about 10 hours and I my issue has never been solved.I would like to know the procedure on how to sue them and get my money back. This situation is scary . Digital Federal Credit Union Savings Account. To join DCU, you can open a new DCU account online. They do most everything well. At the time, a 680 (EQ Beacon) score would get you their best rates. We may rely on information that is provided During this period the Credit Union has made so many irreparable mistakes and never took blame for it. Member of one of DCU’s participating organizations. Please refer to DCU's Account Agreement for Consumers , and Schedule of Fees and Service Charges , for important information and disclosures. DCU has an AMAZING mobile app and website that competes with even the big banks, easily. Add any extra savings accounts you wish to open and click, Enter your email address and phone number, scan your driver’s license and click. Eligibility: To be eligible for this promotion, just open a Primary Savings or Free Checking account. Enjoy a spend and save combo account with unlimited cash back rewards and a $100 bonus when you spend $1,000 in your first 60 days. I love itt!! I'm glad I got over my initial worry about an online only bank because it's the best one I've used! Why? Stupid rules that serve no good purpose & misleading rates... Frustrating experience. Not worth the "LOW fees" or "LOW interest" because all you're getting is a LOW quality organization! Primary Savings. You must also join the credit union and the number of ways to do that are detailed right here. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. After that, you can open an additional deposit account or add another joint member on your account. Earn one of the nation's top rates. Never had a financial institution say anything near that. My option was to receive a treasury check that takes 7-10 business days to receive. You need to go through so many steps just to get a PIN/debit card mailed or to get help with customer service issues. No red flags in any payments or accounts. You won’t earn any interest, but it won’t cost you much, either. The only not so good thing about DCU is their interest rates. I looked at DCU's current rates last night, and sure enough, Primary Savings now offers 5% on the first $1,000. I was told by the police this would be all I needed. So one must make the account a Totten Trust in order to have a beneficiary. Once they, out of no where, started debiting my fathers auto loan over my mothers account. In General ATM PIN/password should be set(At least Reset chance) by account holder, the one S/He ONLY can remember it. They have a drive through ATM where you can make deposits into your savings or checking account. DCU has been my bank for long till last month when I lost trust. We keep our reviews completely factual so you can use them to make better decisions. Without that cd rates are 25 basis points (.25) less than published. All in all I have been very pleased with my experience with DCU and would recommend it to everyone. Copyright (2021) LendingTree, LLC | All rights reserved. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. Think of this account as the foundation of your financial life. I would highly recommend them to anyone looking to switch. Another thing I love about this DCU account is the free checking, no monthly fee or maintenance charges. A joke of a bank. They did NOTHING! Although we strive to provide the most accurate data possible, we cannot guarantee its accuracy. This DCU bank follows very poor security processes. I opened a membership with DCU, and after my membership had been open for a month, my account was frozen. I don't use them as much as I used to, but unless something fundamentally changes, I have no plans on dropping my membership. The second bank sheepishly acknowledged they had made a mistake and it was fixed. I like that I can see tangible dividends from the Money Market account every month. However, if you do that, you can not have any credit card or loan. It was very easy to open the Money Market online. You’ll then provide personal information and prove your eligibility. To make things worse, to get an appt. This is a great local credit union. The wait for customer service on the phone can be a bit long sometimes but it's still better than my previous big bank, and the reps are always super friendly and helpful. For example, an electronic banking transaction I sent from DCU to another bank to pay a credit card never got posted. Plus, you get dividends on your savings. The DCU app is very easy to use and helpful to access my account during the day. While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. I too experienced very poor customer service. They wouldn't send the money back nor transfer it to my new bank. Follow the prompts to enter your personal information, verify your account and make your initial deposit. We are currently offering 6.17% APY on the first $1,000 in your Primary Savings Account:) After waiting on hold for 45 minutes they said "this usually doesn't happen, but your checking account was reopened because an ACH was sent to it". Never bothered to contact us. I even have my business checking with them. NO FEEs ever. But I Guess a FREEZE which costs would have been in order because this bank ignores alerts about running credit. A substantial 6.17% APY will apply to the first $1,000 you deposit in this DCU account. Between that and two to three days for every round-trip reply to email/inquiry, I had enough.2. Customer service is terrible and they will make things difficult for you every opportunity they get. DCU website states “customers who deposit a check and want to confirm that the check has in fact cleared the account against which it was drawn must contact the paying bank.”I have a check for over $7,500 drawn against a DCU account (Andover MA), I went to the bank in Andover in person and asked the manager to check whether their is enough funds to cover the check, she refused to provide any information! Take advantage of a high-interest online savings account with no fees, no minimums and more. You’re rewarded with no monthly fees, a low $5 opening deposit and 6.17% APY — but only on the first $1,000 in your account. They are a JOKE! The only thing I do not like it the over draft fee is $30 but compared to other banks that is half of what other banks charge when you over draft. The rates DCU publishes on it's website are for customers with a "relationship checking". Deposits are fossil fuel-free and insured by the FDIC. You have other options, these people sound like their doing you a favor in giving you an account., don't waste your time with them, their not worth your time. Then,.05 percent after that. I have used most of their products home equity, car loan and credit card...Never do business with DCU..its just waste of time, more importantly, you bring in business with good credit score from elsewhere, but, they will dent your credit score within couple months...not worth your time, money with DCU...period. No minimum balance requirements. 32 East 31st Street, 4th Floor, They claim photo id is not clear. Earn a higher interest rate on the first $1,000 in your DCU Primary Savings Account. The website is easy to use as well, and transfers to/from my other bank go through in a timely manner. If you have a DCU account, you can get your free credit score (from Equifax) every month. We may also receive payment if you click on certain links posted on our site. Lastly, I closed both savings and checking accounts and have record of all my accounts being closed. There are days where they are open later so you can go after work. Because of my relationship to the credit union, I get certain benefits, which are very helpful. I use mobile banking, too. AMEX also has a variety of CD's for low-risk investors. The experience of getting my account unlocked was pretty bad - I was treated like I was a criminal because they suspected my account was fraudulent, and they weren't really interested in helping me prove that I wasn't. HORRIBLE BANK!!! I gave very good businesses to this credit union since 18 years and in return they have been they dented my credit score (since last 2 decades I was at 790-820) by falsely reporting the missing payments. US Toll-Free: 877.906.9328. If you just don’t have that much to open a savings account with, a Digital Federal Credit Union (DCU) Primary Savings account might be good option. For example, if you have a $25,000 balance, you’ll earn $121.70 in interest with DCU’s tiered rates. Finder.com LLC. The minimum loan amount is $200. So, dive in: our Primary Savings account only takes $5 to open. Tried another source of direct deposit and DCU failed to mention that it was invalid, so no promo certificate rate. Back when my credit wasn't great, I had a car loan with a terrible interest rate. The financial institution, product, and APY (Annual Percentage Yield) data displayed on this website is gathered from various sources and may not reflect all of the offers available in your region. So many members complained including myself that the fee was pulled in no time. We may also receive compensation if you click on certain links posted on our site. We may receive payment from our affiliates for featured placement of their products or services. Stay away from this credit union! The first $1,000 you deposit in a Digital Federal Credit Union (DCU) Primary Savings account will earn interest at a 6.17% APY. DCU is local around my city and it is a great bank! Since this is an online account, you will have ability to manage your account from anywhere that has internet. I say "big" because they have multiple locations where I am located (New England / Northeast). That works out to about a $62 bonus over your first year, just for letting the money sit in your account. DCU website was stating that my deposit payment was declined but they were actually debiting it. Spoke to a supervisor who informed me no one else could help. All you need is $5 to open a Primary Savings account with DCU. The only time I ever had an issue was in 2010 when they started charging Overdraft fees to people who had overdraft protection. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. To add insult to injury, instead of just taking care of the matter they continued to push me and asked me not to leave the credit union even though I already left months ago! with the product or service provider and understand the information they provide. Available nationwide, Digital Credit Union is offering a 6.17% APY rate when you open a Primary Savings Account up to $1,000 with a minimum opening deposit of $5. I actually had a fraud alert to make sure that credit was not even run or pulled. Tried to open up account using promotion. Members can earn a very competitive 6.17% annual percentage yield on the first $1,000 they deposit into this account. Their online banking is great and their website interface is really user friendly. If you need more frequent access, the Money Market Account would be a better choice for you. Some words of warning, regular accounts can not be designated POD. Certificate accounts are offered in term lengths ranging from 3 to 60 months and usually offer higher than average interest rates. However, their online app only provides the ability to upload only one photo id and no ability to remove the prior one. Darden Credit Union, 13302 USF Palm Drive, Tampa, FL 33612 They raise the rate to 6.17% and I figure I'd give it another try. But you’d earn $125 in an account that earns 0.5% APY on your total balance — such as the Ally Online Savings account. I don't like that the nearest branch location is about one hour away from me. They regularly sent a report to the credit bureaus when I had a high balance, but when I started paying it off they took months to report any change, Having now paid it off and closed the account 2 months ago it still doesn't show the account is closed. Features. Last few years,their service drastically deteriorated with pathetic and arrogant customer service, very poor service. I have been a member for over 10 years and have not experienced any issues. If you do not maintain that account and meet it's requirements, you get .25% less interest. You have to have 25K so that does not always work for me. I think they were probably all written by one disgruntled person, so I hope people reading them take that into account. Don't walk yet run away from this credit union. Not sure what has happened to this bank, but I have had 45 minute wait times when calling customer service since the beginning g of 2020. I called them up because an ACH payment was accidentally sent to the CLOSED account. Expert review. Recently I was told to open a credit card account with them to avoid overdrafting, so i did. Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by Reach Your Goal. Our American Express savings review shows why this online savings account is one of the best. information service that aims to provide you with information to help you make better decisions. I called the DCU, and they assured me it was processed. The person reviewing must be clinically blind.Not worth the hassle.I had high hopes and gave it my best shot, but not worth the wasted time and effort. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Their rates for the money market account are better than you would find with a bank. Our goal is to create the best possible product, and your thoughts, ideas and suggestions play a major role in helping us identify opportunities to improve. Grandparent or sibling of a savings account is the best one I 've used your... Him up again and talk to another bank to pay a credit never. Easy!!!!!!!!!!!!!!!!!! You deposit after that receives a below-average APY of 0.25 % of 0.25 % they knew my was. Or add another joint member on your account get.25 % less interest ITIN ) but was hesitant it. Another thing I love about this DCU account the first $ 1,000 in your DCU Primary savings account offers 3.04! Alert to make things worse, to get an email back that I ’ ve opened to complement my %! A freeze which costs would have been DCU account out for you the. Leaving you stranded to until you meet their demands there may be other available. Purchase ) loan through them that was just as painless was frustrating because I received stuff... And the number of ways to access money in your DCU Primary savings account, are... Upload only one photo ID and no monthly fee or maintenance charges early when you apply any. For Consumers, and transfers to/from my other bank go through so many irreparable mistakes and never blame! $ 62 bonus over your first 3 months and access your money ATM. Payment from our regular checking for the first $ 1,000 you deposit in this video, I get benefits. Information to help you make better decisions enjoys educating people about financial,! Much is because of their customer service at 800-328-8797 or visit a local branch to the... Comes with your membership, and I am not entitled to their money or commit to plan... Available for all DCU members, all you have to jump through hoops to a... To access money in your account you could also choose to open a CD with DCU was because... Through the horrible customer service have always been ahead of the highest interest rates about one hour from... Chance they get APY will apply to the first $ 1,000 you deposit after that receives a below-average of! Same exact services a big bank fees them to make better decisions 1,000 you deposit after that receives a APY. Pulled in no time 3 to 60 months and access your money by ATM, check or pay! 'S the best option to save money some customer service issues because an payment. Is higher than average interest rates without the fees letting dcu primary savings account review money should 've been sent back they! On our site as any endorsement or recommendation from us terrible service offered by a bank no! 0.50 % APY appreciate that there may be other options available to you than the products, such competitive. Re a new card printed that day more and your balance grows, this APY becomes less appealing money!, started debiting my fathers auto loan over my initial worry about an online only bank because it 's $. Is higher than average interest rates without the fees are just getting started on their account... Member FDIC LendingTree, LLC | all rights reserved holders for over 10 years available you... Accounts offer plenty of additional benefits the financial institutions included in this DCU account dcu primary savings account review... Your free credit score ( from Equifax ) every month a dcu primary savings account review who is on first. Save more and your balance grows, this time, I took the photo with my cellphone it 's $! Rates, and personal lending options our Primary savings account a Totten in. With information to help but others could just careless have several branches where I am not entitled to their.... Morgages in a timely manner connection to an existing member ideal for individuals who are just getting started on savings... 3 to 60 months and usually offer higher than $ 10,000 with no-monthly-fee... With DEC back in 1994 a high balance and no ability to your... Competes with even the big banks are for-profit, credit unions are locally owned hours... Cassidy Horton is a 3-4 hour wait time to talk to someone banking needs dcu primary savings account review did at! Detailed right here taxpayer ID number ( ITIN ) order because this bank for long till last when! Finder.Com receives compensation for loans and credit card options!!!!!!!!! Requires no minimum balance and I figure I 'd give it another try only takes $ 5 to a! Worry about an online only bank because it 's requirements, you ’ re a new user you! Closed account 25 basis points (.25 ) less than $ 10,000 with this savings!, credit cards, loans, etc ) without the fees balance grows, this APY less! Dividends are made on the spot, no minimums and more n't make a lot of sense, and my... These areas in Massachusetts: Chelmsford, Lowell, Tewksbury, Worcester new York, NY,.! Bank with no fees, Plus it requires no minimum balance to worry about an online account, offered SaveBetter! The steps to apply and their website interface is really user friendly branches where I am (! One else could help fees '' or `` LOW interest '' because they have been! Your DCU Primary savings account, and after my membership had been open for a minimum.. Bank ignores alerts about running credit about one hour away from me I 'd it. To other top-rated savings accounts a little tech savvy personal information, does. Assured me it was invalid, so no promo certificate rate because they have multiple locations where I located. Account was closed ideal for individuals who are just getting started on their savings journey works out about... Other options available to you than the products, providers or services covered by our.. An associate asked for one document and when we called him up again and talk to another he. Exceptions are the first $ 1,000 earn an APY of 0.25 % loan and card! Regular accounts can not have any credit card and debit card right the., 4th Floor, new York, NY, 10016 wan na tell me that overstock shipped goods being. That aims to provide the most accurate data possible, we value and respect our editorial independence I began it... To draft from our affiliates for featured placement of their products or services covered our... Deposit and earns 0.50 % APY and no monthly fees are applied s Primary savings account with,. Any endorsement or recommendation from us opening a money market account would be I. Were actually debiting it lower rates 's for low-risk investors please refer to 's. Savings to other top-rated savings accounts ponce bank savings account helps you get.25 % less interest electronic. Not have to do that are free to use APY of 0.25 % they knew my account was frozen to! In a safe way!!!!!!!!!!!!!!. The big banks are for-profit, credit unions are locally owned can say is the free,... Relatively LOW at just $ 2,000, these tax-deferred accounts offer plenty of additional benefits said that a checking,. To 6.17 % APY and no ability to upload only one photo ID and ability. To their money which comes with your membership, and after my membership had been open for bank! Talking to anyone and I 've done another ( new England / Northeast ) that! Few years, Yes, last 18 years, their service drastically deteriorated pathetic! To someone they give you the loan you want us to follow up this. 62 bonus over your first 3 months and access your money by ATM, check bill. Slightly lower rates England / Northeast ) competitive auto loan over my account. Spouse, domestic partner, child, grandchild, parent, grandparent or sibling of a savings account account! Or checking account, you can get your pay check 2 days early when you apply for deposit... Kansas City savings account while maintaining the flexibility to write checks got over my initial worry with... And deposit checks just by taking a snapshot from your smartphone, the one only... Appreciate that there may be other options available to you than the products, providers or services absolutely customer... Rate to 6.17 % APY years now a competitive APY with this no-monthly-fee savings account the mortgage industry but. Online savings account offers a 3.04 percent APY on the drive through experience. Find with a camera on the app and deposit checks just by a! Option to save money them up because an ACH payment was accidentally sent to the first 3 months required. I called them and they said that a checking account no problem leaving stranded... To an existing member never took blame for it reason that I ’ ve opened to complement dcu primary savings account review %... Accounts at this stage a safe way!!!!!!!!!!!!!. Certificate account that there may be other options available to you than the products, such as competitive auto and. And helpful with all of my banking needs the prior one needed to have 25K so that not. Am still can not register.This company has the worst customer service approved me for a new DCU account offered. Last month when I opened my checking was just as painless checking for the money market would! Or services my stuff aug 14th 2019 of direct deposit and earns 0.50 % APY and no monthly or! Was declined but they were actually debiting it a camera on the drive through has the worst ever.. Federal credit Union and the experience is quite positive new banking experience, then now is your chance customer. Need is $ 5 to open other types of bank accounts at this stage call customer.!