DCECU's Share Draft (Checking) account is an excellent value when compared to other checking services. Our Share Draft account pays dividends, which is exceptional for a checking account with no minimum balance requirement.

There are no per check fees and no monthly statement fees. The share draft account also provides overdraft transfers from savings. Attractive designer checks are available at an affordable cost, and you'll also receive your first box of standard checks absolutely FREE!  Reorders can conveniently be made by contacting us at the telephone number listed below, or online with the ©Liberty Check Order system.

Share Draft accounts pay quarterly dividends to our members based on the earnings of the Credit Union. DCECU's Board of Directors determines the dividend rate paid on Share Accounts each calendar quarter. These dividends are calculated based on the daily balance and paid on the first day of the following quarter.

Opening a Share Draft account can be initiated via any of the following methods:

• Call our Member Contact Center at (989) 835-7794 or (800) 835-7794 Monday through Friday between 7:00 a.m. and 6:00 p.m. ET.
• Visit our Account Services Department Monday through Friday between 7:30 a.m. and 5:30 p.m. ET
• Print and complete the Share Draft Account Application and mail it to DCECU, PO Box 1649, Midland, MI 48641-1649.

If you have any further comments or questions, please call our Member Contact Center at (989) 835-7794 or (800) 835-7794.