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PREFERRED Rewards Checking

Our PREFERRED Rewards Checking helps your money go further with a high annual percentage yield, ATM fee refunds, no monthly service fees and more. It’s no wonder our members PREFER using Destinations to manage their money!

Earn More – Meet simple qualifications to receive a higher Dividend Rate:

  • 2.50 % APY* for up to $10,000
  • 0.25 % APY* for over $10,000
  • 0.05 % APY* for any amount (If qualifications are not met)
  • Access PREFERRED Savings, an exclusive account just for PREFERRED Rewards checking account holders offering a fixed dividend rate of 0.15% APY* (subject to change) on any balance up to $10,000 and 0.10% APY* for amounts above $10,000.

Save More

  • Receive unlimited discounts on Domestic Wires7
  • Receive refunds on ATM Service Charge Fees1 (Up to $20.00 per month).

Enjoy Convenience & Peace of Mind

  • Access your account via eBanking or our mobile app.
  • Use your complimentary Debit Card2 (Initial and first replacement) to make purchases and access your funds securely.
  • Receive your first box of checks at no charge.3
  • Complimentary Bill Pay9
  • Surcharge-free ATMs available
  • Shared branching available

Ready to enjoy all the benefits? It’s simple to qualify. Just complete the following items monthly

  1. Log in to eBanking or the DCU Mobile App
  2. Enroll in and maintain eStatements
  3. Receive Direct Deposit totaling $500 or more each month5
  4. Conduct a minimum of 15 Debit Card transactions with an aggregate total of $50 or more each month6

*APY=Annual Percentage Yield. APYs accurate as of 11/01/2021. 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 $1.00 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.

7Wires will be discounted up to $15 per Outgoing wire and up to $5 per Incoming 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.

Debit Cards

A debit card from Destinations provides you with direct, anytime access to your account balance for online purchases, in-store shopping, and withdrawals at ATMs.

  • Complimentary with any Destinations checking account1
  • Debit card purchases help qualify you for higher dividends and more with our NEW PREFERRED Rewards Checking accounts
  • No additional charges or interest owed
  • View an up-to-date record of transactions online
  • Easily withdraw funds from ATMs:
    • Surcharge-free ATM access through several networks
    • Daily purchase limits: Signature $2,500; PIN/ATM $1,000.
  • Safer and more convenient than carrying cash or checks
  • Easily replaced if lost or stolen
  • Monitor your transactions with our Mobile App

Card Controls

Turn your debit card on or off, or set notifications when your card is used with our card controls

1If the member requests or only qualifies for a savings account with a debit card; that card will be limited to ATM transactions only (deposits and withdrawals).

Important Numbers

Card Activation: 833-681-3365

Change PIN: 833-681-3365

Lost/Stolen Cards: 833-933-1681

  • International: 812-647-9794

Transaction Disputes: 866-279-1399

Extra Protection for Online Shopping

Your Mastercard® Debit Card is protected by 3D Secure. 3D Secure is a sophisticated fraud model and you are automatically enrolled.  If there is a transaction that is deemed suspicious, you will receive a text message from short code 732-873.  You will authenticate the transaction via text message.

HOLIDAY CLOSING: Destinations will be closed on Wednesday, June 19, 2024, in observance of the Juneteenth holiday. You can access your accounts 24/7 via our Mobile App, e-Banking, or our Free ATM Network.Click Here and learn more about 24/7 account access with our E-Services.
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