Ditch the Fees for Faster Access
Checking
Don't pay unwanted fees on your checking account; switch to our "still free" checking. It's easy! Check out this list of features:
- No monthly service or maintenance fees
- Free Overdraft Protection
- No minimum balance required
- Free electronic statements with e*Statements
- Free starter checks with a new account
- Free 24-hour account access with our Online Banking
- Receive immediate credit on deposits
- Free ATM | Check Card
- Earn 0.05% APY on balances of $2,500 or more
- Free check imaging
- Unlimited check writing privileges
- Free online account access with Online Banking
- Worry free Payroll Deduction and Direct Deposit
- Convenient Automatic Transfers
- Free online Bill Pay
Overdraft Protection
Content
ATM/Debit cards
Swipe with confidence. Access to your money when you need it- sounds nice, right? All of our free checking accounts come with an ATM/debit card - make sure your wallet is outfitted with one!
online banking
Bank where you are. You shouldn't have to leave the house to manage your money - that's where online/mobile banking comes in handy. Check out what Dakotaland offers for on-the-go money mangement.
Business Checking Account
Don't pay unwanted fees or receive little for the balances you keep in your checking account. Switch to our always free checking!
Youth Checking Account
An ideal option for students & teens, with no monthly service fees, no minimum balance requirements and a FREE ATM/Debit Card.
Checking Account Rates
Your checking balance can earn while it waits. Get the most from your account with a rate that returns.
Checking Account Rates & Fees
|
Account |
Minmum to Earn Dividends |
Interest |
APY* |
|
Checking Account |
$2,500 and above |
compounded monthly |
0.05% APY* |
Rates Current as of May 13, 2021
* annual percentage rate; Rates are subject to change without notice. Fees could reduce the earnings of any dividend bearing account.
|
Service Fee Type |
Fee Amount |
|
Monthly Fee |
None |
|
Overdraft (per item - check, debit card or ACH debit) |
$28 |
|
Returned Check (per Item - Check or ACH) |
$28 |
|
Stop Payment Order Placed per Order (Check or ACH) |
$25 |
|
Check Printing (Depends on Style and Quantity Selected) |
Varies |
|
Temporary Checks (4 per Page) |
$2 |
|
Photocopy of Check - per Item (Free when retrieved through our online banking over the past four years) |
$2 |
|
Overdraft Covered by Loan (Overdraft Protection) |
None |
|
Early Account Closing & Immediate Reopen within 90 Days (Checking Only) |
$15 |
|
Early Account Closing within 90 Days (Checking Only) |
$5 |
|
ATM Transaction Type |
Service Fee |
|
ATM Transaction at Dakotaland Owned ATM (performed with Dakotaland Cards) |
Free |
|
ATM Transaction at Non-Dakotaland Owned Advantage ATMs (performed with Dakotaland Cards) |
Varies (Depending on Owner of the Machine, usually Free - $3.50) |
|
ATM Transaction at Non-Advantage or Non-In-Balance ATM (per Transaction) |
$1.50 |
|
ATM/Debit Card PIN Reminder |
$1 |
|
International Transaction (per Transaction) |
1% |
|
Replace ATM/Debit Card |
$10 |
|
Replacement Card (Rush Fee) |
$50 |
Debit Cards
A Dakotaland FREE Advantage ATM and Debit | Check Card is actually two products on one piece of plastic. It's an ATM card allowing you 24-hour access to your checking and savings accounts and it's a Debit | Check Card allowing you access to your checking account for purchases at millions of merchants that accept Debit/Check Cards. Such a card allows members to access their funds immediately, electronically. Unlike a credit card, a debit | check card transaction posts immediately from the available balance in the cardholder's account. If the available funds are insufficient, the transaction is declined. A debit | check card is faster than paper checks and is safer than cash. For added security, your Credit Union offers VISA Secure which verifies card ownership when the cardholder wishes to make online purchases. Apply for your Debit | Check Card today.
- Free service at your Credit Union
- Faster than checks and better than cash
- VISA Secure verifies card ownership when making online purchases
- Use your ATM Card for withdrawals, transfers, loan payments and balance inquiries
- Thousands of surcharge free ATMs worldwide on the Advantage Network
- Access to Co-Op Network ATM Machines
EMV Chip Card
In 2016, we replaced magnetic strip cards with chip cards. This gives you greater fraud protection when you use your card at a chip-activated terminal. It's not only more secure with enhanced fraud protection, but also easy to use and is accepted globally.
Check My Current Balance
To check your Dakotaland Federal Credit Union ATM | Debit Card balance you can do so by phone by calling Dakotaland's Touchtone Teller at: 605-353-1500 or 800-440-7791. You may also verify balances with our online Online Banking features.
Surcharge Free ATM Locations
We have several ATMs in the communities in which we serve. Our ATMs provide FREE, unlimited transactions when you use any Dakotaland ATM with a Dakotaland issued ATM/Check Card or an ATM within the Advantage Network.
Branch Locations
You can access your Dakotaland account(s) at any one of our twelve branch locations. Stop in at our office in Aberdeen, Brookings, De Smet, Huron North, Huron Main, Huron South, Madison, Mitchell, Redfield, Volga, Watertown or Woonsocket and find the same great service you have come to expect.
Contact Us
Have more questions regarding our Free Checking Accounts? Let us know!
