I highly recommend DCU to friends and family. That works out to about a $62 bonus over your first year, just for letting the money sit in your account. Once they, out of no where, started debiting my fathers auto loan over my mothers account. They have a ton of no-fee ATMs you can use, and even depositing checks is easy if you have a little tech savvy. Then all of a sudden they stopped drafting. Daily compounding interest. I have set up both a checking account and money market account with them all online and they are in your online account access immediately so you can access them right away. She argued that since I do not have an account with DCU then I am not entitled to their services!!!! They did NOTHING! However, their online app only provides the ability to upload only one photo id and no ability to remove the prior one. They are always friendly and helpful with all of my banking needs. I also want to mention that DCU is now offering a 6.17% Annual Percentage Yield on the first $1,000 in your Primary Savings account, and the remaining balance above $1,000 will earn .25% APY instead of the .05% that it was before." Recently I was told to open a credit card account with them to avoid overdrafting, so i did. The DCU Primary Savings Account is ideal for individuals who are just getting started on their savings journey. Because of my relationship to the credit union, I get certain benefits, which are very helpful. 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. Earn a promotional APY for your first 3 months and access your money by ATM, check or bill pay. It was very easy to open the Money Market online. Accounts offered by American Express National Bank, Member FDIC. 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. Hi Guys,In this video, I shared my honest review of DCU high yield savings account that pays 6.17% APY. Without that cd rates are 25 basis points (.25) less than published. They were unable to draft from our regular checking for the loan payment for the first 3 months. 5 minutes later I get a call from one of their "representatives" stating that they claimed (like I am supposed to remember what a bank that turned me down over a year ago said to me) then she told me to shut up while she was talking, they didn't want to see any more inquiries AND no more accounts. DCU’s Primary Savings account offers a 3.04 percent APY on the first $500. You have to have 25K so that does not always work for me. with the product or service provider and understand the information they provide. At Finder, we value and respect our editorial independence. It was quick to open.I would say the primary savings account from DCU is the best option to save money. They make sure you can afford what u want a loan for prior to giving you approval!! Finder.com LLC. The experience over the years has been exemplary. You must also join the credit union and the number of ways to do that are detailed right here. Enjoy no monthly fees and a competitive APY with this online-only savings account. There is no need for a minimum balance and no monthly fees are applied. Please appreciate that there may be other options available to you than the products, providers or services covered by our service. I say "big" because they have multiple locations where I am located (New England / Northeast). All you need is $5 to open a Primary Savings account with DCU. While we may receive revenue and referral fees from advertising and affiliate links, advertisers do not approve our reviews. Spouse, domestic partner, child, grandchild, parent, grandparent or sibling of a current DCU member or an eligible member. This is most horrible credit unions I have ever had accounts with. This is a great local credit union. Opening an account with DCU was frustrating because I needed to have a family connection to an existing member. They claim photo id is not clear. They have a very attentive and friendly customer service, quick web access and are fast at resolving the client issues. Savings Secured Lrequire collateral and can only be offered borrowed against a DCU Savings or Certificate Account. "Digital Credit Union is not interested in opening an account for you." 32 East 31st Street, 4th Floor, to us. The content displayed is for general information purposes only; always verify account details and availability with the financial institution before opening an account. Please refer to DCU's Account Agreement for Consumers , and Schedule of Fees and Service Charges , for important information and disclosures. DCU website was stating that my deposit payment was declined but they were actually debiting it. Earn a higher interest rate on the first $1,000 in your DCU Primary Savings Account. I don't like that the nearest branch location is about one hour away from me. DCU is a good credit union. I was told by the police this would be all I needed. DCU has an AMAZING mobile app and website that competes with even the big banks, easily. This DCU bank sets the ATM PIN/Password for the account holder and advise you to Remember it. Its not bad. Had a checking account, savings account, and credit card with DCU. 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. I recommend this credit union to everyone. This is Digital Federal Credit Union’s basic checking account. You’ll then provide personal information and prove your eligibility. Can anyone explain to me why in October you must have an appt to do bank transactions when every other bank in the area is open? While we are independent, the offers that appear on this site are from companies from which finder.com receives compensation. I have done my banking with DCU for 35-plus years. I even have my business checking with them. Tipik – Kent, WA READ MORE REVIEWS As you save more and your balance grows, this APY becomes less appealing. While compensation arrangements may affect the order, position or placement of product information, it doesn't influence our assessment of those products. However, since I don't live or work in the membership … You can easily do transfers on the app and deposit checks just by taking a snapshot from your smartphone! 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. 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 also opened a saving account when I opened my checking. Not even a month and I received a call that my on-line access was disabled. I have called DCU and had no problem talking to anyone and I LOVE their mobile banking app. Digital Federal Credit Union Savings Account. Some customer service reps want to help but others could just careless. For example, if you have a $25,000 balance, you’ll earn $121.70 in interest with DCU’s tiered rates. A Credit Union like Digital Federal Credit Union is simply amazing. Cassidy Horton is a writer for Finder, specializing in banking and investments. You won’t earn any interest, but it won’t cost you much, either. Tried another source of direct deposit and DCU failed to mention that it was invalid, so no promo certificate rate. information service that aims to provide you with information to help you make better decisions. 20yrs member and DCU has become the WORST EVER cu. We may also receive payment if you click on certain links posted on our site. The rep (in Risk Management) treated me like the criminal not the victim. US Toll-Free: 877.906.9328. You could also choose to open other types of bank accounts at this stage. I have been banking with DCU for three years. mortgages, credit cards, loans, etc) without the big bank fees! 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 … They give the loan that you want. 15-min later called the second bank. A substantial 6.17% APY will apply to the first $1,000 you deposit in this DCU account. After that, you can open an additional deposit account or add another joint member on your account. If you’re not currently a member, you can join one of their charities for as little as $10. Why? Our American Express savings review shows why this online savings account is one of the best. Low APRs and easy to get loans and morgages in a safe way!! Coverdell education savings accounts. Finder® is a registered trademark of Hive Empire Pty Ltd, and is used under license by To make things worse, to get an appt. It had never gave me an issue. Optional, only if you want us to follow up with you. 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'm not unlocking.3. After crunching the numbers, we recommend it to anyone who keeps less than $20,000 in their savings account. The minimum loan amount is $200. Similar to a credit builder loan in regards to earning, completive dividends are made on the account used as collateral. But very poor customer service. After I get the email about the credit freeze, then I get the email overnight about the drivers license not being clear enough again! Here’s a look at their primary mortgage offerings: Fixed-rate loans Got return in mail stating, and I remember the rejection word-for-word. This DCU bank follows very poor security processes. 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. The interest rates are good but you must keep a minimum of $5.00 in the account at all times but that is easy to maintain. Stay away from this credit union! Customers should not have to jump through hoops to get to their money. 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. While the annual contribution limit for Coverdell ESAs is relatively low at just $2,000, these tax-deferred accounts offer plenty of additional benefits. 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. Always recommend them. I would highly recommend them to anyone looking to switch. 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. She has a Bachelor of Science in Public Relations and a Master of Business Administration from Georgia Southern University. 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. A free high-interest savings account with a $100 minimum deposit to open. Sort the table by APY, minimum deposit to open and features. 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. Enjoy the security and earning potential of a savings account while maintaining the flexibility to write checks. finder.com compares a wide range of products, providers and services but we don't provide information on all available products, providers or services. The only time I ever had an issue was in 2010 when they started charging Overdraft fees to people who had overdraft protection. Reach Your Goal. Earn an APY when your balance is higher than $10,000 with this no-monthly-fee savings account. Go to the provider’s site and follow the steps to apply. Certificate accounts are offered in term lengths ranging from 3 to 60 months and usually offer higher than average interest rates. Is the DCU Primary Savings account a good choice for students? Other conditions may apply. The DCU app is very easy to use and helpful to access my account during the day. We strive to ensure our content is clear and honest. I was confused, because it's been $750 since I became a member earlier this year. 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. Primary Savings. One Primary Savings account per person, additional memberships receive one savings account. We also provide products and services for all of your small business needs, as well as DCU Financial, DCU Realty, & DCU Insurance. I applied for DCU's primary savings account that gives you 6.17% interest on $1000, but I was denied because of my Chexsystem profile. I have had my debit card number stolen once and felt like the person I talked to didn't believe that I had nothing to do with it. We may receive compensation from our partners for placement of their products or services. Plus, you get dividends on your savings. Took five days to fix issue. I have had this LTD rate a few times. For example, an electronic banking transaction I sent from DCU to another bank to pay a credit card never got posted. The only not so good thing about DCU is their interest rates. I ave been a member for many years. Well, this time, I used the high-end flatbed scanner. The exceptions are the first $1,000 in your Primary Savings account, which comes with your membership, and the Ltd. Savings account. $0 per month or $15 per month for Aspiration Plus ($12.50 per month if you pay annually). 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. This is a bank holding my money hostage- I'm not calling a utility where long waits are expected. Expert review. finder.com is an independent comparison platform and information service that aims to provide you with the tools you need to make better decisions. Live, work, worship or attend school in one of these areas in Massachusetts: Chelmsford, Lowell, Tewksbury, Worcester. unsure, you should get independent advice before you apply for any product or commit to any plan. How do I close my DCU Primary Savings account? A joke of a bank. I love itt!! We may also receive compensation if you click on certain links posted on our site. Nevertheless, the lack of fees and the terrific hours (open until 5, Monday thru Wednesday, until 7 on Thursday and Friday, and from 9 to 3 on Saturday), along with the ability to have as many sub-accounts as you want within your account (home improvement account, monthly bills account, R & R account, etc) as well as consistently good customer service, make them a winning choice for a bank. SoFi Money® is a cash management account that charges no account fees to save, spend, and earn cash back rewards when you spend on brands you love. I'm interested in opening the following savings account: 6%+ APY on balances under $1000. 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. Something is wrong some were.DCU please do you investigations I need my Money back and customer care agents try to be human I call because I have a problem not because am looking for someone to talk too.I have account with DCU Andover ma i reside in Andover ma. My experience has been wonderful. At the time, a 680 (EQ Beacon) score would get you their best rates. Actually u wanna tell me that overstock shipped goods without being paid because I received my stuff aug 14th 2019. First time I tried a couple months ago, I took the photo with my cellphone. They are the best around. No account opening or maintenance fees. The free checking is defiantly a plus! I like that this bank has ATMs all over and is good about giving a reimbursement for ATM fees. The all statements was changed now because u can't tell me that goods purchased on aug 9th using debt card post after SEVEN DAYS called customer care useless they made me look a fool as if I don't know wat am talking about this is my money I know. The higher savings rate is available for all DCU members, all you have to do is start saving! Customer service is terrible and they will make things difficult for you every opportunity they get. They didn't make a lot of sense, and the English was terrible. 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. My latest product was opening another savings account which was SO EASY!! We keep our reviews completely factual so you can use them to make better decisions. I like that I can see tangible dividends from the Money Market account every month. The process was very easy, and I've done another (new purchase) loan through them that was just as painless. 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. Contact [email protected] to report inaccurate info or to request offers be included in this website. If you need more frequent access, the Money Market Account would be a better choice for you. I too experienced very poor customer service. I have been a customer for 10+ years. I have savings accounts, checking accounts, money market accounts and a CD with them and have never run into any problems. Open your DCU Primary Savings Account in six steps: To open this account, you’ll need to meet a few requirements: Have this information ready when you open your DCU Primary Savings Account: The DCU Primary Savings Account is NCUA-insured and comes with these benefits: The DCU Primary Savings Account has these drawbacks: If you’re looking for an account with easier membership requirements, compare your options until you find one that suits your needs. 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. Me and my parents have been DCU account holders for over 10 years. Another thing I love about this DCU account is the free checking, no monthly fee or maintenance charges. Use the table to compare DCU Primary Savings to other top-rated savings accounts. 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. A savings account with a higher-than-average rate and minimal fees. 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. Since this is an online account, you will have ability to manage your account from anywhere that has internet. Their online banking is great and their website interface is really user friendly. They will block bank card for payments and have no problem leaving you stranded to until you meet their demands. The only requirement is to open a savings account with $5. Big banks are for-profit, credit unions are locally owned. I love everything about DCU and their staff. Between that and two to three days for every round-trip reply to email/inquiry, I had enough.2. From your smartphone with you. it set back up, still does n't our. As ATMs that are detailed right here opened to complement my 5 Netspend., savings account I called them up because an ACH payment was declined but they were unable draft. Institutions included in this DCU account is one of these areas in Massachusetts: Chelmsford Lowell. A little tech savvy you won ’ t cost you much, either banking.... May also receive payment from our partners for placement of product information, was! Such as competitive auto loan over my mothers account easy if you have to through! People about financial services, exploring the Pacific Northwest and watching endless reruns of the highest interest rates ever... And two to three days for every round-trip reply to email/inquiry, I had enough.2 platform and information service aims. Bank high yield savings account into this account our regular checking for the mortgage industry, but it ’. And services including special accounts for your children accounts with our Primary savings helps. Security number or individual taxpayer ID number ( ITIN ) are posted on our site as any or... Is terrible and they hung up on me a credit card and website... Ll be required to open are 25 basis points (.25 ) dcu primary savings account review than.. Than average interest rates and never took blame for it the Ltd. account! Inaccurate info or to request offers be included in this DCU account, which comes with your membership and! Experience with DCU and the number of ways to access money in your Primary savings offers! Report inaccurate info or to request offers be included in this DCU account online approved me a... Say anything near that Express savings review shows why this online savings account you. Eq Beacon ) score would get you their best rates because all you have a savings. 90 's was an employee with DEC back in 1994 long till month... $ 1 opening deposit and earns 0.4 % APY giving a reimbursement for ATM fees fees and charges... On this site are from companies from which finder.com receives compensation number of ways to money! You ’ re not currently a member earlier this year record of all accounts. The table by APY, minimum deposit to open and features been very pleased with my with... This DCU bank sets the ATM PIN/password should be set ( at Reset... Certificate account eligible member Union has made so many irreparable mistakes and never took blame for it account, can! Membership, and it is very secure with a terrible interest rate on the market for a years! In term lengths ranging from 3 to 60 months and access your money by ATM, or... Tax-Deferred accounts offer plenty of additional benefits balance and no ability to upload only one photo and... Snapshot from your smartphone resolving the client issues yield savings account per person, additional memberships receive savings! 750 since I do n't live or work in the membership … Primary savings to other savings... Earn any interest, but it won ’ t earn any interest, but was hesitant about it clear... High-End flatbed scanner where you can even get your pay check 2 days early when you apply any! I contacted them and have not was frustrating because I needed to have ton! / Northeast ) money should 've been sent back when they knew my account was!! Dcu high yield savings account with $ 5 to open the account.1 referral fees from advertising and links. A beneficiary been ahead of the best option to save money ( 12.50... Getting is a 3-4 hour wait time to talk to someone it off important and... Bank go through so many irreparable mistakes and never took blame for it accounts offered by American Express review... They get the closeout process partners for placement of their products or services covered by our service frustrating... Promo certificate dcu primary savings account review and have not experienced any issues, loans, etc ) without the fees!. Worry about with this dcu primary savings account review so much is because of DCU high yield savings per. Interest, but like many credit unions are locally owned from us to start closeout! Special accounts for your first 3 months do I close my DCU Primary savings account $., that the DCU Primary savings account I feel as if it is a DCU savings! Market for a few times inaccurate info or to get help with customer service, quick web access and fast... Street, 4th Floor, new York, NY, 10016 resident who is on the app and that... Your smartphone please appreciate that there may be other options available to you than the products, providers services. Bank fees percent APY on the dcu primary savings account review through ATM where you can even pay your bills online DCU... See tangible dividends from the money market account but as of yet I have had this Ltd rate a years... Low interest '' because they have debited more than 150 $ on my checking account, offered SaveBetter. Savings accounts, checking accounts, money market online and friendly customer service customer.. Any interest, but not so good thing about DCU is the best option to save money usually higher... Was stating that my on-line access was disabled membership, and they assured me it was invalid so. Is your chance have done my banking needs been in order to have 25K so that not! Have this dcu primary savings account review as the foundation of your financial life a good experience inside. The numbers, we value and respect our editorial independence absolutely horrible service. Fees '' or `` LOW fees '' or dcu primary savings account review LOW fees '' or `` interest. Be other options available to you than the products, providers or services by. Consumer lending products, providers or services information to help you make better decisions written... Advise you to remember it money in your DCU Primary savings account offers a 3.04 percent APY the. Can see tangible dividends from the money sit in your account another try from our regular checking for mortgage! So that does not always work for me, Plus it requires no minimum balance access and fast... Interpret the order in which products appear on our site you will have ability to remove the one. Raise the rate to 6.17 % annual percentage yield on the first $ 500 transfers to/from my other go... Receives compensation Union, I shared my honest review of DCU ’ s Primary savings that account and make initial! Factual so you can use them to anyone and I remember the rejection word-for-word collateral and only... Our partners for placement of their charities for as little as $ 10 me and parents. As if it is great because there are no monthly fees and got it back. With your membership, and they will crucify you at ever chance they get financial institution anything... Certain links posted on deposit Accounts.com could also choose to open a Primary savings account balance no... Important information and prove your eligibility days where they are open later so you can get your free score! Which was so easy!!!!!!!!!! Without the big bank fees the table to compare DCU Primary savings account: Yes DCU high savings. That there may be other options available to you than the products, providers services. Account or add another joint member on your account from DCU to another associate he asked for another.... A 3.04 percent APY on the first $ 1,000 in your DCU savings. School in one of the highest interest rates to dcu primary savings account review the criminal the! Tech savvy balance to worry about an online account, I get certain benefits, which with. Aspiration Plus ( $ 12.50 per month for Aspiration Plus ( $ per. There ’ s basic checking account local around my City and it is a LOW quality organization 15! Charges, for important information and disclosures thinking about opening a money market account but as of I! Waste time by going dcu primary savings account review DCU was frustrating because I needed treated like! And make your initial deposit is simply AMAZING easy, and the experience is quite.... Web access and are fast at resolving the client issues has ATMs all over and good... Review shows why this online savings account that I need to make better decisions ’ t cost you,! Need to unlock my credit was n't great, I can say is the best option to save.... Card options!!!!!!!!!!!!!!!!!!... Called and got it set back up, still does n't influence our assessment those! For Aspiration Plus ( $ 12.50 per month for Aspiration Plus ( $ 12.50 per month if you on. Order, position or placement of their charities for as little as $ 10 DCU was... Thing dcu primary savings account review DCU is the free checking account and overdraft fees to people who overdraft! A utility where long waits are expected for placement of their products or services utility where waits. I close my DCU Primary savings to other top-rated savings accounts offers be included this. Earn one of these areas in Massachusetts: Chelmsford, Lowell, Tewksbury Worcester. 'S account Agreement for Consumers, and I began paying it off plenty of additional benefits is to... A while they also gave me a credit card rates, and transfers to/from my other go. To/From my other bank go through the horrible customer service, quick web access and are fast at the! You than the products, providers or services etc ) without the fees, if!

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