Checking Account FAQs
Our checking accounts have no monthly maintenance fees, debit card usage fees, or below balance fees. There may be fees for optional services associated with your account, such as charges for ordering checks, requesting a stop payment, or overdrawing your account. Please review our Fee Schedule for more details.
Please note: There is a $5 monthly savings fee that applies if you are 25 or older, have no loan(s), and an aggregate average daily balance of less than $300 in all your share accounts.
We offer standard overdraft practices (i.e., Convenience Pay) for eligible members. With Convenience Pay, we may authorize and cover insufficient funds transactions, instead of returning the item. Please note: There is a fee per covered transaction. Convenience Pay Plus will extend overdraft coverage to ATM and debit card transactions. You must opt-in for Convenience Pay Plus coverage.
You may elect other overdraft protection coverage, such as linking to a savings account or line of credit. In that case, we will attempt to cover NSF transactions by transferring from your linked account.
Please reach out to our member service representatives at 877.906.9328 as soon as possible. The representative will go over your recent transactions and assist you further.
If we determine that your card has been compromised, we will block your current debit card, issue a new one, and email/fax you the fraud paperwork to complete. Once you complete and submit the fraud forms, our card services department will provide you with provisional credit within 10 business days.
Additional fraud tips:
- Be careful using your debit card at gas pumps, vending machines and in isolated locations since there is a greater likelihood of “skimmers” that steal your card information. Also, use caution when entering in your card information online, especially within unfamiliar websites.
- Set up balance change/transaction alerts through digital banking. This will allow you to act more quickly and prevent further losses.
Prior to contacting our credit union, you must reach out to the merchant to see if they are willing to assist you or provide a refund. If the merchant is unwilling to help or suggests that you dispute the charge with your financial institution, please contact us at 877.906.9328, and we will be able to assist you further. If it is more convenient, you may also dispute the transaction through digital banking.
For your initial check order, please contact us by phone. Once you have previously ordered checks, they can be reordered through the full online banking system if no information has changed. If you have had a change in your name, address, or account information, please call us to reorder your checks. If this does not apply, you may log into digital banking, select the Check Services option, and choose Reorder Checks.
You may initiate a stop payment through the full online banking system. Once you have logged in, click on the More option, followed by the Check Services option, and then select Stop Payment. Next, click the New Stop Pay Request button. When you click on this button, you will be prompted to select an account, enter the check number, check date and amount. You also have the option to search for the check. The check will not be stopped until you check the I Agree box and click the Submit Request button. You may also visit a branch or call us to request a stop payment. There is $29 fee to stop a check payment.
To stop an ACH (automatic withdrawal), we ask that you try to contact the merchant to initiate the cancellation. If you have any questions, please contact us at 877.906.9328.
Evolve Checking Account FAQs
The Evolve Young Adult Checking benefits are available on all checking accounts where the primary account holder on membership is between the ages of 16-24. Once the primary member turns 25, the Evolve benefits will cease and the checking account will function as a standard DCU checking account. If an individual in the age range of 16-24 is joint on an account, where the primary member is older than 24, the checking account will not receive Evolve benefits.
Our credit union offers standard overdraft practices (i.e., Convenience Pay) in which we may authorize and pay overdrafts when you do not have enough money in your account to cover a transaction. We also offer other overdraft protection plans, such as a link to a savings account or a line of credit. (This may be less expensive than our standard overdraft practices).
Under our standard overdraft practices, we will charge you a fee of up to $10 each time we pay an overdraft of $5 or less and we will charge you $29 each time we pay an overdraft larger than $5. If an overdraft occurs on your account and we do not authorize it/pay for the transaction, your transaction will be declined and you may be subject to an NSF Fee according to our current Fee Schedule.
Up to four “oops” fees are reimbursed per calendar year on a qualified Evolve checking account. A maximum of four annual fee reimbursements may consist of any combination of overdraft transfer, insufficient funds (NSF) or Convenience Pay fees. Reimbursement of this fee will occur overnight after the fee has posted to your account.
You may transfer from your account to your child’s account using the “Transfer to another Darden Credit Union member” feature in digital banking. If you are a joint owner on your child’s account, we may be able to link your accounts using an alternate account access feature. This option allows you to see all your accounts and conduct activities under one login. Please contact us to have this set up.
You may receive up to two free money orders or official checks, per calendar year, from a qualified Evolve checking account. This benefit can be used for a combination between the two services (i.e., utilizing one free money order and one free official check). You may also opt to receive two free money orders or two free official checks. The cost for this service is waived at the time of purchase.
1Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer. We generally make these funds available on the day the payment file is received, which may be up to 2 days earlier than the scheduled payment date.
2Overdraft forgiveness reimburses the first four fees annually resulting from an overdraft transfer, NSF or Convenience Pay transaction. DCU offers standard overdraft practices (Convenience Pay) in which we may authorize and pay overdrafts when you don’t have enough money in your account to cover a transaction. We also offer other overdraft protection plans such as a link to a savings account or line of credit, which may be less expensive than our standard overdraft practices. Under our standard overdraft practices, we will charge you a fee of up to $10 each time we pay an overdraft of $5 or less and we will charge you $29 each time we pay an overdraft larger than $5. If an overdraft occurs on your account and, at the credit union’s discretion, we do not authorize and pay the transaction, your transaction will be declined and you may be subject to an NSF Fee according to our current Fee Schedule. DCU will have the discretion to pay overdrafts on accounts in good standing, any such payment is a discretionary courtesy, and not a right of the member or an obligation of DCU, and DCU can cease paying overdrafts at any time without prior notice of reason or cause. DCU will not pay overdrafts for ATM or everyday debit card transactions unless you have opted into the payment of these overdrafts. DCU encourages all members to manage their accounts responsible to avoid applicable fees.
3Member-to-member transfers through mobile app or linking accounts via online banking only. There is no fee from Darden Credit Union to use mobile banking. Data, usage and message rates may apply. Contact your wireless service provider for more details.