Q. What types of checking accounts do you offer?
A. We offer two types of checking accounts to meet our member's needs. We have our Relationship Checking account and our Value Checking account. Whichever account you choose, you'll receive important extras, such as 24-hour access by phone, computer or ATM, and convenient branch access. Finding the right checking account to best suit your lifestyle and financial needs is easy at DuTrac Community Credit Union.
Q. How do I open a checking account?
A. You can open your checking account online or stop in to any one of our eight convenient office locations.
Q. Is there a monthly service fee?
A. No, neither one of our checking accounts have monthly fees.
Q. Is there a per check charge?
A. On our Relationship Checking account, if you write more than 40 checks per month, the charge per check is $.10 each for those over 40, and with our Value Checking account you can write as many checks as you would like at no charge.
Q. Is there a limit to how many checks I can write in one month?
A. There is no limit to how many checks you can write, however, on the Relationship Checking account, if you write more than 40 checks per month, you will be charged $.10 per check over 40.
Q. Is there a minimum balance required?
A. There are no minimum balance requirements. On our Relationship Checking account, you can earn dividends on your account when you maintain an average daily balance of $1000. Balances that are kept over $10,000 will earn even higher dividends.
Q. Does my checking account earn interest?
A. Yes, the Relationship Checking account offers you dividends if you maintain an average daily balance of $1000. Balances that are kept over $10,000 will earn even higher dividends.
Q. What is the minimum deposit to open my checking account?
A. $25.00
Q. Will I receive an ATM card for my checking account?
A. Yes, you can receive a SecureCard ATM card immediately upon opening your checking account.
Q. I don't like writing checks, do you have a debit card?
A, Yes, with a checking account you can be issued a CheckCard Plus, which is our debit card.
Q. Can I make deposits at an ATM?
A. Yes, you can make deposits in the state of Iowa using our SecureCard ATM card or CheckCard Plus debit card.
Q. How long does it take to receive my checks in the mail?
A. Approximately seven to 10 days, depending on the United States Postal Service.
Q. What is my checking account number?
A. Your checking account number, in most cases, will be your share savings account number with a "9" added at the end. Your checking account number can be found on the bottom of you checks. It will be the middle set of numbers.
Q. Do you offer overdraft protection?
A. Yes, we offer overdraft protection on our Relationship Checking account with a line of credit or funds can be transferred from your savings account to cover an overdraft.
Q. How can I get direct deposit of my paycheck or Social Security check?
A. To have your funds directly deposited into your DuTrac Community checking account, contact your personnel or payroll department at work. If you receive Social Security, SSI or other Federal recurring payments, call your local Social Security Administration or contact a Financial Services Consultant at members@dutrac.org or call (563) 582-1331 or 1-800-475-1331 to have the necessary forms filled out.
Q. How can I get account information including balances, checks paid, and deposits cleared?
A. DuTrac Community's online services offer you a choice of convenient ways to do your financial business with us. You can access account information, transfer balances, or pay bills any time of the day or night with our flexible services, including PC Branch, BillPayer, AccessLine, and our SecureCard ATM access. You're never more than a phone call or click away from 24-hour access to your account information.
Q. How do I reorder checks, change my address, order a duplicate statement, etc.?
A. These services are available through PC Branch, our internet access system, which gives you the opportunity to order checks online, and receive your statement through the website with E-statements. If needed, a Financial Services Consultant may be reached by emailing members@dutrac.org, calling (563) 582-1331, or 1-800-475-1331 or stopping in to any of our 8 convenient locations.
Q. What are your branch and ATM hours/locations?
A. Click here for the nearest location and their hours and here for the closest ATM locations.
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