Want more green in your checking account?

Emerald Checking starts with Level 1, where if you are a member with fewer than four services*, you get a great value checking account with a wealth of complimentary products and services that will make your checking account a jewel. As you develop a deeper financial relationship with DECU, you'll receive more savings and benefits in your checking - up to Level 4, our crowning jewel of the Emerald Checking. Here is how it works:


Perks Level 1 Level 2 Level 3 Level 4
4 Services or Fewer 5 Services 6 Services 7+ Services
Minimum Balance No No No No
Monthly Fee $5 No No No
Debit card $5 annual fee Free Free Free
One NSF Forgiveness per calendar year No No Yes Yes
Discount on Mortgage Closing Costs** No No $250 $500
Discounted Rate on Your Next Consumer Loan No No No Yes
Fee Free Overdraft Line of Credit Transfers No No No Yes
One Free Box of Checks Annually No No No Yes
Earns Dividend No No No Yes***
** Minimum $5,000 new money on mortgage loans maintained in DECU’s portfolio. Secondary market loans exempt. Perks are subject to change. *** .03% annual percentage yield

All Emerald Checking accounts receive:

* Each of these items count as a service:

Perks and services are subject to change.

Click here to see Checking Account Disclosures.

Checkbook Balancer

There are tons of resources out there to help you balance your checkbook, but we've got something for you right here at your financial home.

BALANCE Here

Overdraft Line of Credit

The loan you hope you never have to use. A safety net for your checking account.

Apply here