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Personal Checking Accounts

Managing your daily finances has never been easier.

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Spend Good.
You Shop. You Save. We Give. 

Round up your purchases. Keep your savings. We’ll give to Helping Harvest Food Bank.

With Discovery FCU’s Savings Jar, your everyday debit card purchases can help your savings grow automatically. Start by opening a checking account and getting a debit card. Then opt in through online or mobile banking, and each purchase you make will automatically be rounded up to the next whole dollar, with the difference deposited into your savings.

For every dollar rounded up from November 1, 2026 through December 20, 2026, we will match that amount as a donation to Helping Harvest Food Bank, up to a total of $10,000.

You won’t donate a dime of your own money. Just save for you and your family and we’ll match that same amount in a donation to the food bank.

We’re so excited to see your savings and our giving grow! 

Helping Harvest Food Bank logo

FREE Checking

No minimum balance requirement and no monthly maintenance fees.
It’s truly FREE CHECKING!

 

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Dividend Checking

Earn dividends on balances of $1,000 or more.
A minimum balance of $1,000 is required.* 

 

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Opportunity Plus Checking

This special product is designed for people who need help to rebuild their financial stability with flexible account features and support along the way.

Eligible individuals will have an account history showing no more than one non-fraud charge-off from another financial institution that is $500 or less.

Learn more here.

We Make Saving Easy with Savings Jar

With this program, Discovery rounds all your debit card purchases up to the next whole dollar. The amount that is rounded up is then transferred into your savings account. For example, if you purchase a coffee for $2.48, the transaction will be bumped up to $3.00 and we will transfer the difference of $0.52 into your savings account. If your transaction is a whole dollar amount as an example $4.00, then Discovery will round it up to a whole dollar at $5.00 and transfer $1.00 to your savings.

With Savings Jar, saving more money makes cents!

You can sign up for the program directly through Discovery FCU’s digital banking.

Enjoy Local Banking with Nationwide Convenience

Whether you’re in your backyard or across the nation, you can easily access your Discovery FCU account.

Access your account at 5,000 branches nationwide

Discovery FCU participates in a shared branching network of credit unions allowing you to deposit checks or cash to your Discovery account, withdraw cash, transfer funds, and make your Discovery loan payment at other participating credit union branches nationwide. Click here to learn how to use the shared branching network or to locate the closest shared branch near you.

 

Get Quick Access to your Cash at more than 55,000 Surcharge-Free ATMs Worldwide

Discovery is part of the Allpoint Network and CU$ Alliance, bringing you more than 55,000 surcharge-free ATMs worldwide. Just look for the Allpoint or CU$ logos on any ATM and access your money surcharge-free. Locate Allpoint surcharge-free ATMs near you now.  Click here for a list of CU$ ATM locations.

 

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OUR MEMBERS LOVE US!

“I had the best experience opening my account and refinancing my vehicle.”

Bruce T.

Smiling elderly man in a gray sweater and beige cap uses a smartphone on a couch at home.

Take Control of Your Financial Life with Discovery FCU’s Digital Banking

 

  • Block and unblock your debit card
  • Deposit checks with your mobile device
  • Make transfers to family and friends with accounts at Discovery FCU or at another credit union or bank
  • Make transfers to or from your accounts you have elsewhere
  • Tap to call Discovery FCU member service
  • Pay your bills
  • Get account alerts
  • And more!

 

 

Free Checking and Dividend Checking Benefits

Handy, convenient, and safe, that’s where we start. Discovery FCU checking account benefits include:

  • Online Banking – 24/7 services via desktop, laptop, tablet, or phone
  • Mobile Banking – includes mobile check deposits
  • Visa Debit Card – Block and unblock your card, monitor card usage, and receive alerts with our mobile banking app
  • Free Online Bill Pay – Keep your bills paid when you’re on the go
  • Convenient Access – Get cash or make deposits at any one of 55,000 surcharge-free ATMs worldwide or visit any of 5,000 credit union shared branches nationwide.
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Members must be 13 years of age or older to open a checking account. Primary account owners between the ages of 13 to 17 years of age MUST have an adult (person 18 years of age or older) listed as a joint owner on the account to open a checking account.

*Dividend Checking Below Minimum Balance Fee – $4.95/Month
Dividend Checking minimum balance is $1,000.00.

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