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Become a member!

BECOME A MEMBER
Become a member and open yourself to all of the benefits that comes with credit union membership.

 

Open Checking

OPEN CHECKING ACCOUNT
Already a Dover Federal Credit Union member? Sign up for your new checking account here.

 

 

 

Our Checking Products

Learn more about our products below.

 

At Dover Federal we understand everyone has different needs when it comes to your checking account. Some things like free online and mobile account access, free bill pay, and surcharge free access to 55,000+ ATMs are great for everyone, but we have an assortment of checking accounts catered to your needs. Whether you’re looking for flexible overdraft options, higher interest rates, or even cash back on your day to day purchases, we have it. Not to mention, there's never a minimum balance requirement or excessive fees for any of our accounts. With a checking account from Dover Federal, enjoy effortless access to your money with great features and less fees.

Cash Back Checking

Our Cash Back checking allows you to earn 3% cash back (up to $12 per month) on your day-to-day debit/PIN-based transactions. Add to that refunds on ATM fees, no service fee, and no minimum balance, and the Dover Federal Cash Back account was made just for you.

  • 3% cash back (up to $12/month)
  • Refunds on ATM surcharge fees (up to $25 per month)
  • No monthly service fee
  • No minimum balance
  • Free bill pay

Get Rewarded Monthly

Cash back on everyday purchases

Up to $12

OPEN ACCOUNT
Want to control your debit card?
Learn about CardValet

 

Interest Checking

With our Interest Checking account, take advantage of free checking while also earning an impressive interest rate as your money sits in your account. Enjoy high dividend checking with no hassle or extra cost to you.

  • 3% APY* on balances up to $15,000
  • 0.10% APY* on balances over $15,000
  • Refunds on ATM surcharge fees (up to $25 per month)
  • No monthly service fee
  • No minimum balance
  • Free bill pay

Interest Checking

Be rewarded for the things you already do

Rates up to
3.00%APY*

OPEN ACCOUNT
Want to control your debit card?
Learn about CardValet

Advantage Checking

Dover Federal’s most popular and flexible checking account. Enjoy easy access to your funds along with overdraft options. Our Advantage Checking is made for you and your day-to-day banking needs.

  • No monthly service fee
  • Flexible overdraft options
  • Access to 55,000+ surcharge free ATMs
  • No minimum balance
  • Free bill pay

Get The Advantage

Absolutely no minimum balance is required

$0

OPEN ACCOUNT
Want to control your debit card?
Learn about CardValet

 

Comparison Table

Features Advantage Checking Interest Checking Cash Back Checking
No Monthly Service Fee ✔ ✔ ✔
No Minimum Balance ✔ ✔ ✔
Free Bill Pay ✔ ✔ ✔
55,000+ Surcharge-Free ATMs ✔ ✔ ✔
Flexible Overdraft Options ✔ ✘ ✘
Refunds on ATM surcharge fees (up to $25 per cycle) ✘ ✔ ✔
Earn 3.00% APY* on Balance ✘ ✔ ✘
Cash Back on Everyday Purchases ✘ ✘ ✔

 

All checking accounts also include:

  • Online Bill Pay

You can save time, checks, and postage by paying your bills electronically with Dover Federal's free Online Bill Pay. Set up recurring or one-time payments to virtually anyone with just a few clicks of your mouse. All payments are deducted from your Dover Federal Checking Account on the date you specify. It is easy to set up through My Account Online Account Access! (You must use your Member Number. Do not use the account number printed on your checks.)

Thanks to everyone for the feedback on the improvements to our Online Account Access Site! One of the great features is Secure Messaging - now you can contact us about your account with all the safety that our online banking platform offers. You will receive a response from one of our friendly, local employees - usually within 24 hours! Secure Messaging is an easy, fast way to update your phone number and address, too!

  • Online Bill Pay

You can save time, checks, and postage by paying your bills electronically with Dover Federal's free Online Bill Pay. Set up recurring or one-time payments to virtually anyone with just a few clicks of your mouse. All payments are deducted from your Dover Federal Checking Account on the date you specify. It is easy to set up through My Account Online Account Access! (You must use your Member Number. Do not use the account number printed on your checks.)

Thanks to everyone for the feedback on the improvements to our Online Account Access Site! One of the great features is Secure Messaging - now you can contact us about your account with all the safety that our online banking platform offers. You will receive a response from one of our friendly, local employees - usually within 24 hours! Secure Messaging is an easy, fast way to update your phone number and address, too!

  • 24/7 Automated Teller

Check balances, transfer money, and make loan payments through our automated teller, Maxine. This easy-to-use system can be accessed from any touchtone phone. Simply dial 302-678-8024 or 800-818-3328. See the "telephone tree" for the simple step by step process to access your account.

  • My Account Online Account Access

You can access your Credit Union account via the Internet using your 24/7 Phone Access PIN (Personal Identification Number) and your Dover Federal Credit Union Member Number. Check your balance, review transactions, and handle routine banking from the comfort of your computer.

  • Mobile Account Access

At Dover Federal, we know how busy your life can be. That is why we offer mobile banking with a full range of services that you can access through your phone or mobile device. You do not even need a special app on your smart phone. Just access our online banking page at online.doverfcu.com and go to the self service tab and then click on sign up/manage my mobile money to enroll.

  • Check Your Account Balance And History
  • Remote Check Capture
  • Schedule Or Modify A Transfer Or Bill Payment
  • Receive Messages Or Account Alerts on Your Mobile Device
  • Locate ATMs Or Branches In Your Area
  • Access Popmoney®
  • And More!
  • Mobile Apps

Dover Federal's Mobile Apps are now available for both iPhone and Androids. With the Dover Federal Mobile App, you can manage your money anytime and anywhere from your mobile device to securely:

    • Check your account balances
    • View recent transactions
    • Transfer money between your accounts
    • Pay bills
    • Find ATMs and branch locations
    • And much more.....

    App Store   Google Play

    • eStatements

    Receive Member and/or Credit Card Statement, Tax Form(s), Certificate Maturity, Delinquency, and Billing Notices Electronically! Once complete, you will be able to view your account and credit card statements, tax forms, regulatory disclosures, and daily notices at your fingertips.

    1. Click on "LOGIN TO MY ACCOUNT" to enter your Home Banking site and continue the enrollment process

    2. In the Home Banking site: Click the Accounts tab Click on eStatements Click on view eStatements Enter you email address and click "I Agree" to receive electronic notices and statements We will notify you via email when your statement/tax form and/or notices are ready for viewing

    • Direct Deposit

    Your paycheck, benefits check, social security check, or retirement check can be automatically deposited into your Dover Federal account. Funds are available to withdraw the morning of your pay date. Plus, you will never have to worry about your check getting lost or stolen.

    To enroll in free Direct Deposit from an employer, download and print the enrollment form and submit the form to you employer's payroll department. 

    To enroll for Direct Deposit of your Social Security, Supplemental Security Income, or Railroad Retirement Board benefits to your Dover Federal account, choose "Get Direct Deposit" on the Go Direct website and complete the registration steps.

    • Payroll Deduction

    Payroll Deduction allows you the ease and convenience of setting aside a certain amount each pay period to be deposited to the account(s) of your choice at Dover Federal.

    To enroll in Payroll Deduction, provide DFCU Routing/Transit Number 231176648, the Member Number from your membership card, and your selection of either savings or checking account for the deposit to your employer.

     

    Debit Card

    Debit Card

    Use Dover Federal's Debit Card instead of writing checks. It is accepted worldwide at traditional or online merchants that display the MasterCard® logo. You may also use it to withdraw cash from any ATM that displays the MasterCard® logo. All transactions are deducted from your checking account and are detailed on your monthly statement. View the locations of our ATMs.  

     

    Savings Jar: Round Up Your Savings

    Ever find it a challenge to save? What if every time you made a purchase using your debit card also meant you were saving with every swipe? With Savings Jar from Dover Federal you can do just that, all without ever having to think about it. Your savings keep growing automatically as you spend.

    With Savings Jar:

    • Save with every debit card purchase you make that ends with cents by having the rounded up balance added to your savings account overnight.
    • Grow your savings over time and use it for groceries, big purchases, vacations, or anything else you want!
    • Easily sign up through Online Banking (under Settings > Account Settings) or opt out if you change your mind.
    Savings Jar

    Dover Federal Fraud Text Alerts

    With Dover Federal fraud monitoring, keeping your card safe is as easy as sending a text. Our text alert service* allows you to instantly keep tabs on suspicious card activity.

      Learn More About Fraud Texts  

     

    Digital Wallet

    Dover Federal Mastercards support Apple Pay, Samsung Pay, and Google Pay digital wallet solutions. See below on how to setup your digital wallet or learn more about these digital payment options.

    Apple Pay

    Apple Pay™

    Apple Pay is cashless made effortless and works with all the Apple devices you use everyday.

      SET UP APPLE PAY  

    Google Pay

    Google Pay™

    Pay quickly and securely with Google Pay using the payment methods saved to your Google Accounts.

      SET UP GOOGLE PAY  

    Samsung Pay

    Samsung Pay™

    Carry your favorite cards on your Android devices so you can pay in-person, in-app or online.

      LEARN ABOUT SAMSUNG PAY  

     

     

    *APY = Annual Percentage Yield. 1Account approval, conditions, qualifications, limits, timeframes, enrollments, log-ons and other requirements apply. Qualifications and rewards may vary by account. Cash back is up to $12 per month. ATM fees will be refunded up to $25/per member per month. Monthly online banking logins, receipt of electronic statements, and 12 posted debit card transactions are conditions of this account. Advertised interest rate is only good on balances up to $15,000. Balance in excess of $15,000 will receive 0.10% APY. Rates may change. Membership eligibility required. Terms and conditions apply. See Credit Union for details.

    *Message and data rates may apply.
    Please note: We may refuse to pay an overdraft for you at any time, even though we may have previously paid overdrafts for you.