Checking

*APY=Annual Percentage Yield. APYs accurate as of 02/03/2025. Rates subject to change. Fees can reduce the earnings on the accounts. All PREFERRED Rewards Checking qualifications must be met in order to qualify for any of the benefits. PREFERRED Rewards Checking account holders also have the option of transferring earned dividends from your PREFERRED Rewards Checking into their PREFERRED Savings each month. ¹ ATM Service Charge is the $3.50 fee Destinations Credit Union charges for using a foreign (Non-Destinations) ATM and the $1.50 balance Inquiry fees processed at a foreign ATM. ATM Service Charge will be reimbursed on the last day of the month. ² There is a $15 fee for each replacement debit card issued unless replacement is due to theft or fraud. ³ Destinations Credit Union checks contain DCU logo and may be substituted if the current product is no longer available. ⁴ Share Certificate must be established under a membership containing a Preferred Rewards Checking. A penalty for early withdrawal may apply. ⁵ Deposits must be in the form of an ACH and deposited into a Preferred Rewards Checking account. ⁶ Transactions must occur and fully settle to the Preferred Rewards Checking account within the qualifying cycle period. The new qualifying cycle, effective November 1st, 2021 runs on a monthly basis; the first day of the month to the last day of each month. ATM transactions do not count toward the qualification. 7 Wires will be discounted up to 50% per incoming or outgoing wire completed to or from a Preferred Checking account. ⁸ Individuals must qualify for membership based on Destinations Credit Union eligibility. ⁹There’s never a charge for online banking services. In order for online bill payment to remain free, you must use this service to pay at least 1 bill per month.