DCU HSA Checking review

DCU HSA Checking is the plainest account on this list, and that is its appeal for people who spend their HSA each year. Digital Federal Credit Union lists no monthly maintenance fees, a $0.00 minimum to open and a $0.00 minimum to earn dividends. Dividends are paid on the entire daily balance, compounded daily and paid monthly, at 0.10% APY across every tier from under $1,000 to $100,000 or more. You pay medical bills with a DCU Visa Debit Card, issued upon approval, or by unlimited check writing, and digital banking is free. The account needs DCU membership, and DCU says it has merged with First Technology Federal Credit Union into one credit union named First Tech, so details may change as the two combine. There is no investment option on this page, so long-term savers who want growth should pair it with, or move to, Fidelity or Lively. For a fee-free place to park this year's deductible, it does the job.

Who it is for

spenders who want a simple, fee-free cash HSA

Price

$0.00 monthly fee and $0.00 minimum to open; 0.10% APY on all balances.

No monthly maintenance fees.
Quoted from the vendor pricing page on November 13, 2026.

Key features

• No monthly maintenance fees and no minimum balance to open
• 0.10% APY on every balance tier
• Dividends on the entire daily balance, compounded daily and paid monthly
• DCU Visa Debit Card, upon approval
• Unlimited check writing and free digital banking

Strengths and weaknesses

• Strength: Cash HSA with $0.00 monthly fee and $0.00 to open
• Strength: Checks and a debit card for paying medical bills
• Strength: Dividends paid on the whole balance
• Weakness: Requires credit union membership
• Weakness: No investment options listed on the HSA checking page
• Weakness: 0.10% APY is low for a balance you plan to keep for years

Key facts

• Monthly fee: $0.00
• Minimum to open: $0.00
• APY: 0.10% on all tiers
• Investing: Not offered on this account

Where it ranks

DCU HSA Checking is No. 7 in our Best HSA Providers verdict.