You'll be getting one of the best values around when you have your checking account at DuTrac Community. There are no minimum balance requirements and no monthly fees.  Plus, we offer you the choice of our Relationship Checking, Value Checking, or High Yield Checking accounts.  It only takes a few minutes to open your checking account with our secure application and begin to receive these great benefits.

Our Relationship Checking account offers:

• No minimum balance requirements - Earn Dividends!
  Earn a quarterly dividend on your money. That's right, earn money on your relationship checking account when you maintain an average daily balance of $1,000.  Balances that are kept over $10,000 will earn even higher dividends. 
  
• Save money with no monthly fees
  That's right, no monthly service charges. In addition, for the vast majority of people who write less than 40 checks per month, there are no fees at all.
  
• Convenience of monthly statements by mail or E-Statements with all account activities listed. 
• Overdraft Protection
  You'll have peace of mind knowing that if you should happen to overdraw your checking account, funds can be transferred to cover the check (if funds available).  Transfers can be made from either your savings account or from your EZ Access Line of Credit.
  (A small fee applies for each overdraft transfer.)

Our Value Checking account offers:

• No minimum balance requirements
  
• Save money with no monthly fees
  That's right, no monthly service charges.  Plus you can write as many checks as you would like at no charge.
  
• Convenience of monthly statements by mail or E-statements with all account activities listed.

 Our High Yield Checking account offers:

• No minimum balance requirements - Earn Dividends!
  Earn a monthly dividend on your money. That's right, earn money on your High Yield checking account when you maintain an average daily balance of $2,500. 
  
• Save money with no monthly fees
  That's right, no monthly service charges. In addition, for the vast majority of people who write less than 20 checks per month, there are no fees at all. (You will be charged $.10 per check for each on over 20.)
  
• Convenience of monthly statements by mail or E-Statements with all account activities listed. 
• Overdraft Protection
  You'll have peace of mind knowing that if you should happen to overdraw your checking account, funds can be transferred to cover the check (if funds available).  Transfers can be made from either your savings account or from your EZ Access Line of Credit.
  (A small fee applies for each overdraft transfer.)

 When you have a checking account with DuTrac Community you open the door to many other great services and opportunities:

• CheckCard Plus - use it like a check, but without the paperwork, at over 14 million MasterCard merchants worldwide and at ATM's.
  
• SecureCard - Allows you to access your account at an Automated Teller Machine (ATM).
  
• Savings on consumer loans - get a reduced rate on our already low rates when your payments are deducted automatically from your DuTrac Community checking account.
  
• No Annual Fee on your DuTrac Community VISA credit card when you have automatic payments from your DuTrac Community checking account.
  
• Convenience of ordering your checks online with Liberty.
  
• Members of our NuPerspectives program will be provided with our custom checks at no cost.

Having a checking account is a serious matter and knowing how to handle your finances with a checking account can be challenging.  Visit our How to use your account page for detailed information on how to properly use your checking account and make it beneficial for you.  A Checking FAQ section is also available should you have other questions about your DuTrac Community Checking account.