DCU offers a referral program that gives new members a $20 sign-up bonus and current members a $10 reward.
To qualify for the $20 bonus, new members must open a DCU Free Checking Account with EITHER 5 qualifying transactions OR a recurring direct deposit (loan products also qualify).
Plus, you can earn a 6.17% APY on balances up to $1,000 when you open your DCU Primary Savings Account, with no requirements to qualify for the high APY.
Anybody in the U.S.A. can qualify for DCU membership by joining the Reach Out for Schools organization for a $10 fee (you can join this organization when you open your DCU membership).
Once you become a DCU member, you can participate in the DCU Referral Program to give your friends $20, and you’ll earn a $10 bonus for each new member that you refer.
DCU provides a wide variety of checking and savings accounts for consumers and businesses, credit cards, lending products, and more banking services.
If you want to earn a $20 sign-up bonus along with a 6.17% APY on balances up to $1,000, join DCU from anywhere in the U.S.A.
Please feel free to share your contact info in the below comments to exchange DCU referrals with other readers.
DCU Membership Eligibility
Regardless of where you live in the U.S.A., you may be Eligible for Membership with DCU.
However, you must belong to a qualifying organization, work for an eligible company, have a family relationship, or live in an eligible community in Massachusetts or New Hampshire.
The easiest option to qualify for DCU membership from anywhere in the U.S.A. is to join the Reach Out for Schools organization for a $10 fee, and you may join this organization when you open your DCU membership.
DCU Refer-A-Friend Program
Once you join DCU, and you can participate in the DCU “Give $20, Get $10” Referral Program to share referral bonuses with your friends and family.
To refer new members, visit the Share DCU tool in the Online Banking Account Manager to complete the email referral form.
Once you submit a referral, your friends will receive an email with a referral code to use when joining DCU.
New members must redeem the referral code during membership opening, or the new member can enter the referral code in Online Banking through the Share DCU tool in Account Manager.
To qualify for bonuses, new members must complete 1 of the following 3 options:
- Open a DCU checking account with recurring direct deposit of payroll, retirement, social security, or other monthly recurring income.
- Open a DCU checking account with at least 5 qualifying transactions in the same month: debit/credit card transactions, bill payments, balance transfers, or P2P transfers.
- Open a vehicle RV, boat, or mobility loan (purchase or refinance).
When your referral opens a new DCU membership and qualifying product, you’ll get $10, and they’ll get $20.
There is no limit to how many people you can refer or the amount of bonus money that you can earn.
DCU Primary Savings 6.17% APY
When you open your DCU Primary Savings Account, you can earn a 6.17% APY on balances up to $1,000.
There are no requirements to qualify for this great interest rate on your savings.
To open a DCU Primary Savings Account and maintain your membership, you must make a $5 minimum opening deposit.
You’ll earn a 6.17% APY on balances up to and including the first $1,000, and on any remaining balances over $1,000, you will earn a 0.25% APY.
If you are a DCU member, please feel free to exchange your contact information for sharing referrals in the comments below this article along with your DCU experiences.
Chivita Pak says
Hi ! If you would like a sign up bonus email me at yasemchyk@gmail.com. DCU’s refer-a-friend transfer bonus can be yours.
The only added step is you need someone to refer you . please, email me at yasemchyk@gmail.com and I will provide you with the referral code.
Just send us your first and last name and an email address, we’ll get that referral to you ASAP. It will be the easiest 20$ you will ever get .
This is a link to the promotion
https://www.dcu.org/services/additional-services/member-referral-program.html
Gadget - Bank Bonus Geek says
Unfortunately, this program has gone back to the old referral values: $20 new customer, and $10 to the Referrer. :(
MM Team says
Hello Gadget,
Thank you very much, I’ve updated the above article accordingly. I appreciate your help.
Michelle B. says
Email me at Michelle@bankbonusgeek.com for a DCU referral. Please include:
– First and Last Name
– Email address you will use for your DCU account.
No hard credit pull, no EWS, but they do pull ChexSystems and soft pull Equifax. My recommendations for Digital Federal Credit Union (DCU):
1. Eligibility: For those who are OOS/nationwide, there is the option to join Reach Out for Schools which is the last eligibility option on the application. Cost is $10. Once you have a DCU family or household member, you can use them as your eligibility.
2. You need to have an existing member DCU refer you to enroll in the promotion. Once the current DCU member submits your info into their DCU online banking Refer-a-Friend page, you will receive an email direct from DCU with your referral code. The code does not auto-fill on the application and expires in 90 days.
3. Once you start the application, ‘Primary Savings’ is auto-selected & required for DCU membership. Be sure to add a ‘Free Checking’ account to your application.
4. Expect to upload your D/L or State ID, front & back. File formats accepted are JPG, BMP, PNG, & TIFF. Also, several disclosures are required to be viewed as part of the application. You must at least click/tap on each to proceed.
5. Funding with a Credit Card is available, however, it is limited to a total of $250, which includes the $10 ROFS join fee. $5 is required to be placed in the Savings and is not removable – it’s your membership share & ownership in DCU. Citi Double Cash posted as purchase.
6. On the last page of the application, after funding, you should enter your referral code from the DCU email. If auto-approved, you should be presented with your member number. If not auto-approved, you may need to log back into your application to get your status – check your email for info. Your member number will enable you to sign-up for online banking & gives you the ability to refer others. Your checking account (ACH) number is available in online banking as well – it is different from your member number. Default online banking login info is your member number & password is last 4 of your SSN.
Eric says
@Max,
I received an email today from DCU about this referral promo. The key thing I took from it is this line: “For referrals made by 12/31/2021.”
They still have 90 days from receiving the referral email to sign up but the referral email needs to be sent by 12.31.21 for them to qualify for the bonus.
Do you want to post an update so people know to act fast requesting a referral?
Thomas Oblak says
I’ll sent you a referral
Just sent me your email
t.oblak@yahoo.com
Gadget - Bank Bonus Geek says
The referral program has been upgraded and is now $100 for the new customer and $50 for the person who refers you. Besides the new bonus amounts, there is now a requirement to open a checking account, or a loan, to qualify for the bonus.
They do pull Chex, but not inquiry sensitive. They also soft pull Equifax, but that does not hurt your credit. The application allows $250 in credit card funding, posted as a purchase on my Citi DoubleCash.
If anyone would like a referral, please email me your first & last name, and email address you will use to open the account. gadget@bankbonusgeek.com
MM Team says
Thank you for the update, I’ve updated the above article accordingly. Thank you for sharing referrals.
Bobby says
Can somebody send me a referral link, I would greatly appreciate it!
reianlesgo@gmail.com
Chivita Pak says
Hi ! If you would like a sign up bonus email me at binimi_tiket@mail.ru. DCU’s refer-a-friend transfer bonus can be yours.
The only added step is you need someone to refer you . please, email me at binimi_tiket@mail.ru and I will provide you with the referral code.
Just send us your first and last name and an email address, we’ll get that referral to you ASAP. It will be the easiest 20$ you will ever get .
This is a link to the promotion
https://www.dcu.org/services/additional-services/member-referral-program.html
Bianca says
Can the 5 qualifying debit transactions be for any amount like I buy $1 chips and that counts for one of the 5 transactions and my other 4 purchases bread gum a toilet paper roll etc ? Or does it have to be 5 big transactions
Eric says
If you need a referral, please send me an email at dealsarenice@gmail.com
John says
If anybody wants a referral invite, please email me at: iconartisan@gmail.com and I will generate a referral good for 90 days. They ask referror to put in first name, last name, and email of the referree, so please provide that in the email.
I have been a DCU account holder since 2018.