Checking Accounts
Open a checking account with Directions Credit Union. Choose the checking account that fits your financial needs.
Make the Switch
Our online SwitchKit makes it easy to switch to Directions Credit Union. We’ll give you everything you need to close your old account and switch over your automatic deposits
and ACH payments. Or give us a call with your account information and we’ll handle the details. All you’ll need to do is come in and sign the paperwork.
Show your School Spirit with Directions Credit Union Spirit Checks!
Get your school's mascot on your checks and show your school spirit with our High School Spirit Checks. For each box of Spirit Checks purchased, Directions Credit Union will donate $1.00 to your school.
Take a look at the list of participating schools .
Investment Checking
If interest is what you want, an Investment Checking account is right for you! We wish to recognize those members that maintain large deposit balances with Directions Credit Union and our Investment Checking Account does just that.
- Earns dividends - view current rate
- Periodic bonus rates on certificates - new money only
- .50% discount on new consumer loans
- No monthly maintenance fee when you maintain a combined minimum balance of $10,000 in your deposit accounts
- Unlimited check writing privileges - no per check fee
- Free checks* - select styles only
- Free debit/ATM card - unlimited use on numerous ATMs
- Free CUOnline -Directions CU home banking product
- Directions Bill Payment - FREE
- Free money orders and Travelers Cheques - single style only for Travelers Cheques
- No annual fee credit card - Directions VISA & Directions Rewards VISA**
Free Checking
Are you interested in a simple and convenient way to manage your checking account? We have the perfect account for you. No minimum balance and no monthly maintenance fee.
- Unlimited check writing privileges - no per check fee
- Free debit/ATM card - unlimited use on numerous ATMs
- Free CUOnline - Directions home banking product
- Directions Bill Payment - FREE
- No annual fee credit card - we offer Directions VISA & Directions Rewards VISA**
- Non-interest bearing
- Free checks*
*Free checks available for e-statement subscribers. Limit one box per year. Limited styles apply.
Basic Advantage Checking
Are you finding yourself in need of a loan? Advantage Checking helps you save on your loan payment.
- .50% discount on new consumer loans
- No monthly maintenance fee if any of the following occur:
- minimum balance of $500 in the checking account
- are over 55 years old
- have direct deposit with the credit union - Unlimited check writing privileges - no per check fee
- Free debit/ATM card - unlimited use on numerous ATMs
- Free CUOnline - Directions home banking product
- Directions Bill Payment - FREE
- No annual fee credit card - we offer Directions VISA & Directions Rewards VISA**
- Free checks*
- Earns dividends on minimum balance of $2,500
*Free checks available for e-statement subscribers. Limit one box per year. Limited styles apply.
**Subject to credit approval
Directions Debit Card
When you go shopping, you’ll be able to leave your checkbook at home. By adding the buying power of the VISA symbol to your ATM card, you’ll be able to use it instead of a check to pay for purchases right from your checking account. It’s still your Directions Credit Union ATM card, but you can use it to pay for your everyday purchases too - everywhere VISA cards are welcome! You need to have a Directions Checking Account to have the Directions Debit Card.
Directions Debit Card with ScoreCard (available in certain markets)
When you use your Directions Debit Card with ScoreCard for qualifying purchases, such as groceries, clothes and home furnishings, gas, restaurant dining, and much more you earn points. Points can be redeemed for merchandise and travel.
You can redeem your Points any time, or save them to earn higher value awards. The greater your Bonus Points total, the greater the value of the reward. Check the website often - new merchandise is always being added.
And remember you can also earn Travel Rewards with your points. Explore your travel options online and find out what’s available and how many Points you need for that special travel opportunity. When you’re ready to make your reservations, call the ScoreCard Travel Center at 1-800-842-3006.
For further rewards information, click www.scorecardrewards.com or stop by one of our branch locations for a catalog.
*No points are earned for fees, foreign transactions, currency conversion charges, ATM withdrawals, or insurance charges posted to your account. Download Reward Point Program Rules.
Lost or Stolen Card?
In Toledo Area Call 1-800-543-5073
In Central Ohio
Call 1-800-445-3505
Have Fewer Worries with Directions Credit Union Courtesy Pay
Courtesy Pay is a new service that adds a measure of protection to your personal checking account. With Courtesy Pay, Directions Credit Union may cover your insufficient funds checks (up to your approved limit) for one low fee per covered overdraft transaction. That means, instead of returning a check to the merchant because of insufficient funds, the credit union will pay your check, saving you additional fees from the merchant. It saves you the embarassment of an inadvertent overdrawn check and can help protect your credit rating.
Overdrafts on your checking account may be covered up to $500, provided your account is in good standing and has been open at least 60 days. Accounts open less than 60 days may be given a $200 limit. A $25 fee will be assessed for each item that draws your account negative. You have up to 30 days to bring the account current. Items covered are: checks written to another party, ACH/Preauthorized drafts, electronic debits, and Bill Payment transactions.
If you have established other overdraft protection methods, such as a line of credit or automatic transfer from your other accounts, we will always look to pay any overdrafts with that method first before utilizing Courtesy Pay and imposing the $25.00 fee.
All members in good standing are provided with this service automatically and at no cost. If for some reason you would not like this coverage, please contact one of our offices and request an "opt out" form.
