Checking Accounts
Open Online For Ease & Convenience
Security and Convenience
Del Norte Credit Union offers Checking Accounts you can open online.
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Online & Mobile Banking
- Your finances at your fingertips. Access accounts 24/7, transfer money, deposit checks, and stay on top of your finances, on-the-go.
- Smarter statements. Secure, paperless E-Statements help reduce clutter while giving you easy access to up to 24 months of account history.
- One hub for every bill. Pay rent, utilities, credit cards, and more anytime with convenient 24/7 Bill Pay. Fees may apply.
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30,000+ Fee-Free ATMs Nationwide
- Convenient access to your money. Make ATM and debit card transactions through the CU Anytime and CO-OP networks.
- Your card, at no extra cost. Enjoy a free ATM/Debit Card for everyday purchases and cash withdrawals. No charge for your first card. Replacement card fees may apply.
- Thousands of surcharge-free ATMs nationwide. Access one of the largest ATM networks in the U.S. through CU Anytime and CO-OP. Easily locate an ATM with the CU Anytime ATM Locator.
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Proof is in the Perks
- Start today, no minimum required. Open your checking account without a minimum opening deposit.
- A safety net when you need it. Courtesy Pay helps protect against unexpected overdrafts.†
- Guard against identity theft. Explore robust protection solutions designed to help keep your personal information secure.
Compare your checking account options:
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Best if you want:
Best if you want:
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Minimum balance to open
Minimum balance to open
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Monthly Service Fee
Monthly Service Fee
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Earns Dividends
Earns Dividends
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Overdraft Protection1
Overdraft Protection1
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Additional Perks
Additional Perks
Express
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Best if you want:
Simplicity. Provides basic services without adding fees or requiring a minimum balance.
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Minimum balance to open
$0
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Monthly Service Fee
$0
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Earns Dividends
No
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Overdraft Protection1
✔
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Additional Perks
30 free checks processed through your account per month
(15 cents for each additional check)
Star
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Best if you want:
Interest. An interest bearing account with a low minimum balance.
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Minimum balance to open
$0
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Monthly Service Fee
$7 if Daily Balance falls below $100 each statement cycle
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Earns Dividends
YES
See Rate Schedule on Average Daily balances of $1000 or more Per Monthly Statement Cycle
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Overdraft Protection1
✔
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Additional Perks
No per-check fees
One included box of custom image checks per year
Free 4 Me
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Best if you want:
Perks! The ultimate account for the 18-25 year old crowd.
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Minimum balance to open
$0
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Monthly Service Fee
$0
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Earns Dividends
No
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Overdraft Protection1
✔
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Additional Perks
Rebate up to four times per year (max of $100) on Courtesy Pay Overdrafts charged $25.00 each (A)
— Jeffrey L., DNCU MemberI have been a member for many years and my experience with Del Norte Credit Union has been admirable. I am pleased with the courtesy I receive from the staff. I greatly appreciate them so much.
Today’s Rates
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Checking Account Type |
Minimum To Earn APY |
Dividend Rate |
APY* |
|---|---|---|---|
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DISCLOSURES Deposit Rates are current as of September 21, 2026. Rates and Fees may change at anytime without notice. Please contact a member services representative for details. *APY= Annual Percentage Yield. Fee May Reduce Earnings on the Account. Account uses the average daily balance to obtain APY each monthly statement cycle. The rate may change after account opening (variable rate account). |
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Checking Account Type Express (Basic) |
Minimum To Earn APY $0 |
Dividend Rate 0.00% |
APY* 0.00% |
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Checking Account Type Star |
Minimum To Earn APY $1000 |
Dividend Rate 0.05% |
APY* 0.05% |
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Checking Account Type Free 4 Me |
Minimum To Earn APY $0 |
Dividend Rate 0.00% |
APY* 0.00% |
Frequently Asked Questions (FAQs)
Please visit our Rates & Fees page for a comprehensive list of applicable rates and fees.
We’re here to help. Please call us at 877-818-3628 for assistance with opening an account.
Please visit Personal Mobile & Online Banking for more information and details on our robust suite of services for members.
Open a checking account online
Enjoy the convenience and security of a DNCU Checking Account today.
Join us
(877) 818-3628 toll-free.
Disclosures
¹Courtesy Pay may be set up using funds from DNCU share savings, money markets or credit lines on new or existing accounts. Courtesy Pay is automatically provided for eligible accounts; does NOT include Money Market Savings.
†See our fee schedule for applicable fees related to use of Courtesy Pay. Contact member services for No Cost options to cover overdrafts such as a transfer from an existing account.
Must be between the ages of 18-25 to open and maintain account. Account will be converted to an Express account after reaching age 26. Member must request reimbursement for eligible fees caused by ATM or Debit Cards Only. Fee refund will be processed within 30 days from request and may not cover other overdrafts caused in the interim.