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Our Checking Account Options

The Flexibility You Need to Succeed

At The District Credit Union, we understand that your life doesn’t wait for your bank to catch up, which is why we offer flexible and convenient checking account options to buy what you need, when you need it.

Benefits of Checking with The District

When you open a checking account with The District, you will receive a free box of checks and a free Instant Issue Visa Debit Card to get you started. In addition, all of our checking accounts for adults include the following benefits:

  • Online and Mobile Banking

    Manage your finances from the comfort of your home or office, or on-the-go with our mobile banking app. For your convenience and peace-of-mind, we also offer eStatements and online check imaging.

  • Electronic Bill Pay

    With Checkfree, you can schedule one-time, recurring, even person-to-person payments! The service is free, secure, and avoids both merchant fees and the hassle of writing and delivering checks.

  • Overdraft Protection and Courtesy Pay

    Link your other accounts at The District as backups, or apply for an Overdraft Protection Loan. If you’re in good standing, Courtesy Pay will even pay on a check that overdraws your account by up to $500.

  • Nationwide Access

    Feel right at home when you visit participating credit unions with more than 5,600 shared branches in all 50 states or access your funds at over 30,000 surcharge-free ATMs nationwide. For easy access to your money wherever you go.

Our Checking Account Options

Member Select Checking

Our Member Select Checking is our free, non-interest-bearing checking account. With no minimum balance, unlimited check writing and no per-check charges, it is the most commonly-selected checking account by our members.

Success Checking Account

Success Checking APY*

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Want to earn dividends with your checking account? Put your money to work with a Success Checking Account. Enjoy the ease and convenience of Member Select Checking, plus these outstanding extras:

  • Monthly dividends on balances higher than your $500.00 minimum balance.*
  • One complimentary box of checks annually.

* A monthly fee of $10 will be incurred for balances that dip below $500.

Prosperity Checking Account

Prosperity Checking APY*

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If you want to earn higher dividends from your checking account and can maintain a higher balance, consider one of our Prosperity Checking Accounts. Minimum balance is $10,000.**

**Dividends will not be paid for any day your balance drops below the minimum. A monthly fee of $50 will be incurred for balances that dip below $10,000.

Teen Checking Accounts

Teen Checking APY*

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Our Teen Checking is an innovative program to educate teens on managing their personal finances and get them started on the road to financial responsibility and independence. Teen Checking Accounts are open to all teens between the ages of 13 and 19, for an initial deposit of only $5. Parents can transfer allowance online, and Teens can start managing their own money with your parental guidance.

Our Teen Checking Accounts come with:

  • Free Instant Issue Visa Debit Card they can use to access their account at ATMs and merchant locations worldwide and online.
  • Free online and mobile banking, including eStatements.
  • Over 30,000 surcharge-free CO-OP ATMs nationwide for 24-hour withdrawals.

Teens will also enjoy the benefits of our Report Card Rewards program. Students K-12 can turn in their report cards each grading period to earn money for good grades. We pay $2 for each A (or the top grade available) and $1 for each B (or second-highest grade available), and students can earn up to $15 per grading term. Rewards are posted for the current grading period, not prior grading terms.

Checking Account Tutorials and More

To learn more about how to manage your checking accounts, please check out our free education center.

* APY = Annual Percentage Yield. Various fees may reduce the earnings on account. All dividends are calculated daily and paid at the end of the month, effective the first day of each quarter.

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Security Code

Your Security Code is your password

Your Security Code is 'security' + the last 4-digits of the Primary Account Holder’s SSN

Example:

security9876

You will be prompted to change your Login ID and Security Code. Once these are changed, you will use your NEW Login ID and Security Code the next time you log on to Online Banking.

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Checking Rates

Rates are effective June 1, 2021 and are subject to change without advanced notice.

Description Rate APY Minimum Amount
Success Checking 0.05% 0.05% $500+
Prosperity Checking 0.10% 0.10% $10,000+
Teen Checking 0.49% .5% $0.00

APY=Annual Percentage Yield. Various fees may reduce the earnings on accounts.