Share draft checking
Our share draft checking account won’t cost you a cent, no matter what your balance may be. And it pays dividends on balances of $300 or more.

Dial-A-Teller
Dial-A-Teller is an automated phone system that’s available 24 hours a day. It’s an easy way to check your account balances, find out whether checks have cleared, transfer funds from one account to another, make withdrawals and more.

Direct deposit
You don’t have to make a trip to the credit union to deposit your paycheck when you have direct deposit. It gets deposited automatically. Use direct deposit of your salary or retirement check to automatically fund your share draft account. With direct deposit, you don’t wait in line to deposit your check and your money is deposited on time — even if you’re ill or out of town.

Payroll deduction
Once you have direct deposit, you can authorize us to transfer funds on a regular basis to other DGEFCU share and loan accounts.

Visa Check Card and ATM Card Services
Your DGEFCU Visa Check Card and ATM card give you ready access to cash night and day at thousands of ATMs in the STAR® or CIRRUS® networks. You may also use your Visa Check Card for gas, groceries and to make purchases anywhere you see the VISA® symbol worldwide. Don't forget, you can always use any DGEFCU ATMs free of charge.

APPLY for a Visa Check Card now
Disclosure information

To report your lost or stolen VISA debit card, please call 202-671-1626 during business hours or call 800-754-4128 after hours.

Dividends
Balances in excess of $300 that remain in your account will earn daily dividends at competitive rates. Reduce your idle checking account funds!

No Minimum Balance
Deposit as much or as little as you like.

No Service Charge
There will be no monthly service charge to maintain your account. You pay only for the printing of drafts (at cost), reorders and special requests. Please see current Schedule of Fees.

Automatic Carbon Copies
Still another advantage ... each time you write a draft, it is automatically recorded by carbon copy. No longer is it possible for you to forget to record amounts of drafts written!

Monthly Statements
Statements reflect all transactions, including checks paid, ATM withdrawals, deposits, transfers, and ... dividends! (Remember, checks are not returned to you with your statement; you retain your carbon copies for proof of payment.)

Overdraft Protection
A pre-arranged line of credit loan advance is available to guard against overdraft charges. You may also request transfers of funds from regular shares to cover overdrafts (but no more than six per month).

Stop Payments
You may stop payment on a draft by contacting the Credit Union in person or in writing and providing the draft number, date written, amount, and payee. There will be a fee for this service. Other special services are also available.

Safety
Your deposits are insured to $100,000 by the National Credit Union Administration, an agency of the U.S. government.

Checking Account Application

How to Start Your Share Draft Checking Account

1.  Read and sign the Agreement. If there is a Joint Owner on the Regular Share/Savings Account that is also going to be a Joint Owner on the Checking Account, the Joint Owner must also sign the Agreement.
2. Fill out the instructions for having your personalized checks printed.
3. At your option, you may start or increase your payroll allotment or begin direct deposit. You may also wish to make an initial deposit so that you can start writing checks.
4. Also at your option, you may apply for an Overdraft Protection Loan.