Checking Account

Dupaco has free checking and an interest-bearing checking account. The bigger deal is that, no matter where you are in the world, you're never far away from fee-free access to your money with Dupaco's mobile app (available on Android and iOS), over 5,000 shared branches and thousands of Privilege-Status ATMs nationwide.


What are the perks?

Use direct deposit and skip a trip to the branch by directly depositing your paycheck, pension, or benefit payments to your checking account. You'll need Dupaco's Routing Number, 273974581, to set up direct deposit.

Recently updated, Shine Mobile Banking offers a clean and streamlined banking experience from your smartphone, making it brighter than ever before. Shine offers the following features:

Mobile deposit – No branch nearby to deposit your check at? Endorse the check, snap two photos with our app, and deposit it securely anytime for free!

You must be eligible to use mobile deposit, and have Dupaco's free app (Available on Apple or Android devices), version 2.0 or later, downloaded to your device.

When will my funds be available? Deposits are not immediately available.

  • Deposits made between 8 a.m. and 4 p.m. CT Monday through Friday will be posted the same day within 5 hours.
  • Deposits made after 4 p.m. CT Mon.-Fri. will be posted by 10 a.m. CT the next business day.
  • Deposits are not posted on Saturday, Sunday or Holidays; They will be posted by 10 a.m. CT the next business day.

Dupaco's funds availability policies apply, with $200 available once the deposit is posted and the remainder in 2 business days.

Quick balance – A secure way to see your account balances without the need to log in.

Picture Pay – An easy way to pay bills just by snapping a picture.

PIN login – Fast access with a quick, custom PIN login (only available on Dupaco’s app).

And more!

Download the free app, and log into Shine today

Use your free Dupaco Money Card for debit purchases where MasterCard is accepted. You won’t pay a service fee or one penny in interest, as long as you do not overdraw your account. Members age 15 and older with a checking account in good standing are eligible for a free Dupaco Money Card.

Lost or stolen card?

Give us a call to report an issue. A block will be placed on your card to prevent any transactions in the event the card has fallen into the wrong hands. You will then be issued a new card.

Order through Shine Mobile Banking

  • Log in to Shine
  • Select Order Checks
  • Choose the account you want to order checks from. Select Next.
  • You will be redirected to Deluxe Financial Services where you can reorder your checks.

Order by giving us a call. Please have your member number, quantity needed and starting check number ready.

Free checks for eligible members. Members age 50 or better who have total deposits or total loans of $1,500 or more with Dupaco, who also have direct deposit of pension or Social Security, will receive two free boxes of Dupaco's custom checks each year.

Get protection from bounced checks with Overdraft Privilege. To help eliminate merchant fees, alleviate embarrassing situations, and lend a hand when finances are tight, Dupaco offers Overdraft Privilege, which pays overdrafts on eligible member share draft accounts up to $700.


At Dupaco, your deposits are federally insured for up to $250,000 per qualifying account by the National Credit Union Administration (NCUA), a U.S. government agency.

To open a checking account at Dupaco, visit any of our locations, give us a call, or open your account online.


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