Checking that keeps up with you.

Wish you could find a checking account that made it easy to avoid check fees and service fees? How about an account that includes a free Visa® debit card with unlimited free ATM transactions? Well, we have customizable options that include all of that, plus the opportunity to earn interest on your balance and choose overdraft protection. If you’re looking for an easy decision, you should really check out our Merit Access checking account!

When you do, keep in mind that our members also have a unique opportunity to share in the financial success of their credit union. Deere Employees Credit Union’s (DECU) Owner Participation Account (OPA) annually distributes any excess earnings to our members in the form of additional interest on earnings (and rebates on loan interest).

eAccess Checking

No monthly balance required.

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Requirements

  • No minimum balance required to open
  • No monthly balance requirement

Features

  • No dividends earned
  • Write ten free checks per month, pay $.10 per check after
  • No monthly service charge* with direct deposit or payroll deduction
  • Overdraft protection and courtesy pay available
  • Direct deposit
  • Free online bill pay
  • Funds insured up to $250,000
  • Free Visa® debit card

*Without direct deposit, a $3 monthly service charge applies.

Merit Access Checking

Interest and unlimited check writing.

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Requirements

  • No minimum balance required to open
  • Average monthly balance of $250*

Features

  • Earns dividends with required average monthly balance
  • Write up to 30 checks, then $.10 fee applied
  • Overdraft protection and courtesy pay available
  • Direct deposit
  • Free online bill pay
  • Funds insured up to $250,000
  • Free Visa® debit card

*Without direct deposit, a $3 monthly service charge applies.

Ready Reserve Checking

Pull out all the stops.

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Requirements

  • No minimum balance required to open
  • Minimum checking account balance of $5,000*

Features

  • Earn dividends with a balance of $10,000 or more
  • Write unlimited checks
  • No monthly service charge*
  • Overdraft protection and courtesy pay available
  • Direct deposit
  • Free online bill pay
  • Funds insured up to $250,000
  • Free Visa® debit card

*If the minimum required balance is not maintained, a $10 monthly service charge applies.

These Features Are Available With Every DECU Checking Account:

Overdraft Protection

Accidents happen. That’s why overdraft protection is a good thing. We make it easy to use your savings account or a standing line of credit to make overdrafts a thing of the past.

Overdraft protection can assist in covering items coming through your checking account. The Credit Union can set up your account to overdraw from a line of credit or savings account. Fees may apply. Please contact the Credit Union if you would like to know how your account is set up.

Make sure you’re covered. Log-in to Online Banking, select the Orange Gear Wheel, next to your Checking Account, select Overdraft Protection, and follow the onscreen instructions.  Or, simply give us a call at (800) 338-6739.

Courtesy Pay

Have you ever made an honest mistake in your checkbook? Or, found yourself a “little short” before payday? Perhaps you’ve had an unusual or unforeseen expense at the wrong time.  Relax, you may deserve special consideration.

Courtesy Pay safeguards you from the potential embarrassment of bouncing a check with a merchant or having your debit card declined when taking a friend to dinner. Neither the merchant nor other patrons will be aware of the status of your account.

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