Accounts That Work For You

Free Checking Account Graphic Icon

Basic Checking Account

Zero minimum balance.
Zero monthly fees.
Did we mention there’s free checks, too? Learn More

Advantage Checking Graphic Icon


Banking, with benefits.
Save money with a loan rate discount. Learn More

Investment Checking Graphic Icon


Make money with your money. Get paid to bank — earn dividends and bonuses with Investment Checking. Learn More

Features Every Directions Checking Account Includes:

Debit Card Rewards & Features

Earn rewards when you use your Directions Debit Card:

Visa ScoreCard™ Rewards: All members with a Directions Visa Debit Card are automatically enrolled. Accumulate points through qualified purchases and redeem them for top name brand items, airfare, hotels, travel packages, and more.

Learn more about our great Reward Programs.

Personalized Debit Cards: Looking to add some flair to your wallet? Directions Credit Union debit cards can be fully personalized with an image of your choosing for only $5.00. Click here to get your Personalized Member Debit Card or your Personalized Business Member Debit Card!

Round Up: Every time you use your DCU debit card, we’ll round your purchase up to the nearest whole dollar and transfer the excess amount to the DCU savings account of your choice. Click below for more information about Round Up.

Travel Safety: Planning to use your Directions CU Visa® Debit or Credit Card while traveling? Complete and submit our secure Travel Notification Form. For more information about utilizing your card while traveling, check out our Travel Tips for the details.

Smiling Woman using her laptop for banking.Smart phone showing the Directions CU website.Online & Mobile Banking

Online banking gives you secure, 24-hour access to your accounts. You can view your accounts, apply for loans, order checks, enroll in Bill Pay, and much more. Mobile banking gives you convenient, on-the-go options for managing your bank accounts. With features like Remote Deposit Capture, your phone becomes a true banking branch on-the-go.

Available Checking Options

Husband and wife smiling while they look through their accounts

Free Checking Icon Basic Checking Account

Everything you need and expect from a checking account, without any extra baggage. A Basic checking account from Directions offer you a simple and convenient way to manage your money.

  • No monthly maintenance fee
  • No minimum account balance
  • Unlimited check-writing privileges; no per-check fee.
  • Free checks for estatement subscribers – Shipping and Handling are extra
Open An Account
Girl writing on a notepad

Switching your accounts to Directions Credit Union has never been easier!

ClickSWITCH allows you to quickly and securely switch your current online bill payments, automated payments, and direct deposits from another financial institution to Directions - all with the click of a mouse. It's fully automated, convenient and takes less than 10 minutes.

Open ClickSwitch
Man writing checks

Advantage Checking icon Advantage Checking

In need of a loan? With our Advantage Checking, you’re eligible to receive a loan rate discount, plus all these other perks:

  • Earns interest
  • Discounts available on new consumer loans
  • No monthly maintenance fee if any of the following occur:
    • Minimum checking account balance of $500
    • Member is over 55 years old
    • Member has direct deposit with Directions
  • Free checks for estatement subscribers – Shipping and Handling are extra
Open An Account
I love Directions. I was getting bombarded with ATM fees from my prior bank every time I used my ATM card. Your credit union has saved me so much money. Thanks Directions, you are the best!Carolynn J. Greenwich, Ohio
Young couple sitting together on the couch reviewing their bank statements on a laptop

Investment Checking Icon Investment Checking

Put the funds in your checking account to work for you with Investment Checking. This account type rewards a high monthly balance by paying interest and more.

  • Earns interest
  • Discount on new consumer loans
  • No monthly maintenance fee
    • Requires combined minimum balance of $10,000 in deposit accounts
  • Free Checks – Shipping and Handling are extra
  • Free money orders
Open An Account

Open Comparison Chart

 Basic CheckingAdvantage CheckingInvestment Checking
Free Debit Rewards Card
Free Checks
With eStatement - Shipping & Handling extra

With eStatement - Shipping & Handling extra
Monthly Service Fee
Minimum Balance to avoid Monthly Service Fee$500+ Checking Balance, Direct Deposit, Age 55+Combined Balances of $10,000
Earns Dividends/Interest
Loan Discount
Periodic Bonus Rates on Certificates

Earn Rewards Points with Directions Rewards VISA® with ScoreCard™

  • Earn Rewards Points every time you make a debit card purchase
  • Earn Rewards Points every time you use your debit card as credit
  • Reward Points can be redeemed for merchandise, gift cards and travel
Learn More About VISA® Rewards
Man in line at the store and handing teller VISA card