Dover Federal Credit Union

Checking at Dover Federal Credit Union

Dover Federal offers a Checking Account that includes everything you need for convenient access to your money without the extra fees. Our Checking Account includes convenient features like the MasterMoney^® Debit Card, extensive ATM access, direct deposit, and online account access and bill pay at no additional charge.

New look for your statements effective
December 1st
We have eliminated the Account Reconciliation Summary from your member statement in order to save the environment, and reduce the amount of pages you are receiving. Please use this form for your reconciliation in the future. We will be including a copy for your use in the November 30th and the December 31st statements. The forms will also be available in our branch offices.

Account Reconciliation Summary Form

Checking Account Features
Convenient Access
Overdraft Protection
Switch Kit
Notice to Holders of Commercial, Business, Club, Organization, and Association accounts

Dover Federal's Checking Account includes these valuable features:

NO minimum monthly balance ($50 opening deposit required)

NO per check charges

NO monthly service fees

Dividends paid on balances over $500

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Convenient Access to Your Checking Account

FREE 24/7 Phone Account Access
Access your account information from any touchtone phone
at 302-678-8024 in Kent County or 800-818-3328 outside Kent County.

FREE 24-hour Online Banking with My Account
Check your balance, review transactions and handle routine transactions from the convenience of your computer.

FREE 24-hour Online Bill Pay (Requires home banking enrollment)
Pay your bills electronically from your Dover Federal Checking Account.

NO ANNUAL FEE MasterMoney^® Debit Card or NO ANNUAL FEE ATM Card

No charge for up to 8 ATM transactions per month when you use a local Dover Federal ATM.

Surcharge FREE Network - CU Dollar Network
Access to more than 100 ATMs and point-of-sale terminals nationwide that display the CU Dollar Network logo shown on the back of your card.

FREE Enrollment in Direct Deposit with Participating Employers
Save time by having your pay or benefits check directly deposited into your Dover Federal account. Funds are available the morning of your pay date.

FREE Enrollment in 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.

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Switch Kit
MAKE THE CHANGE
We've written up some form letters to help make your change-over easier. Use these convenient forms to close your accounts and change your Direct Deposit and automatic withdrawals. If you need help completing any of them, just stop by Dover Federal Credit Union or give us a call.

Switch Kit
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Overdraft Protection*
Apply for a Line of Credit to be used with your Dover Federal Checking Account. It's the ideal solution for unexpected expenses and to avoid overdraft charges. While there is no fee for accessing your line of credit, interest is charged to your outstanding balance. You can also set up your share account to provide overdraft protection up to your available balance. (There is currently a $3.00 fee associated with the transfer from your share account)
*Eligibility and/or credit approval required.

OPT-IN required for certain ATM and One-Time Debit Card Transactions: Effective August 15, 2010, changes to Federal Regulation made it a requirement for financial institutions to have your permission to overdraw your checking account for an ATM or one-time debit card transaction. Without your opt-in consent, transactions that would overdraw your account would be declined. The opt-in process is easy. You may notify us via secure messaging on our home banking site, telephone our call center toll free at 888-818-3328, visit any of our branches or you may click here for a form that can be completed and faxed to us at (302)678-4391.

Notice to Holders of Commercial, Business, Club, Organization, and Association Accounts:
The Unlawful Internet Gambling Enforcement Act prohibits persons engaged in the business of betting or wagering from knowingly accepting payments from another person engaged in unlawful internet gambling. Unlawful internet gambling means to "place, receive, or otherwise knowingly transmit a bet or wager by any means which involves the use, at least in part, of the internet where such bet or wager is unlawful under any applicable Federal or State law in the State or Tribal Lands in which the bet or wager is initiated, received or otherwise made. Your account at Dover Federal Credit Union may not be used in any way for such transactions.
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