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Dakotaland's Always Free Checking Accounts

• No Monthly Maintenance Fees, Plus Free Overdraft Protection
• Sign Up Here For A Checking Account or Free Overdraft Protection!

If your checking account is not at a credit union, chances are you're paying big fees or getting little for the huge minimum balance you're forced to keep.

When you swap your old checking account for a DFCU Free Checking, you can save hundreds of dollars a year in fees. There are no monthly service fees and no minimum balances required. Plus it's loaded with great benefits and Free services.

Dakotaland's Free Checking benefits include...

* Unlimited Check Writing
* Free DFCU Visa-Check Card*
* Unlimited Free ATM Transactions at DFCU ATMs
* Free Electronic Point-of-Sale (POS) Transactions -    Purchases through electronic POS occur when    you enter your PIN at a register or gas pump to    complete a DFCU Check Card purchase. You can    make POS purchases at thousands of merchant    locations around the country where Visa is    accepted.
* Free E*Teller-DFCU's online account access    service.
* Free Bill Payer-Save the cost of a stamp every time    you use it.
* Free Touch-Tone Teller System-Touch-Tone Teller    gives you access to your account 24 hours a day.
* Free Check Images-Printable pictures of the front    and back of your cleared checks are available for    viewing online through E*Teller after they clear.    The last eighteen (18) months of cleared checks    will always be available! Click here for more    information!
* Optional Overdraft Protection-DFCU's Overdraft    Protection is simply a line of credit that gives you a    pool of credit that you can return to whenever you    need it, plus DFCU's overdraft protection has no    annual fees. Apply here!
* Free Pre-authorized Payments and Transfers-    There are two ways...

* Payments to Vendors - Power companies,    telephone companies, insurance companies, and    many other vendors, with your approval,    electronically charge your checking account for    your payment. It's fast, easy and payments are on    time. You sign up directly with the vendor and    typically enclose a voided check so they can    correctly charge your account. DFCU offers this    service free.
* Electronic Payments to DFCU - Make recurring    automatic transfers, also known as Pre-authorized    payments from your account at another financial    institution to your DFCU checking, savings, or loan    account. Make these transfers weekly, biweekly, or    monthly. This service is free at DFCU.

* Monthly Statements-you will receive a monthly    statement with your DFCU Free Checking Account.    You may want to choose to receive your statement    electronically. You can view your statement    through DFCU's online account access service,    E*Teller. You will receive an e-mail notification that    tells you when your statement is available.

*Upon Approval

Make Your Life Simple With Direct Deposit

No more waiting in line to deposit your paycheck. Payroll Deduction and Direct Deposit provide a safe, easy, and convenient way to deposit your money. You can either sign up for a specified portion or all of your pay to designated for automatic deposit to Savings, Checking, Christmas Club, Special Share Accounts, IRAs, or Loan Payments. Retirement, Social Security, and government deposits can also be deposited automatically.

The Dakotaland Check Card

A Dakotaland Advantage ATM & Check Card is actually two products on one piece of plastic. It's an ATM card and an easy way to shop without the hassle of check acceptance. Use it to buy anything, anywhere Visa Cards are accepted. Use it at ATMs and for purchases at electronic POS terminals displaying any of these ATM network names...The Advantage Network or Cirrus.

Use it Free at all DFCU ATMs for withdrawals, transfers, deposits, loan payments, and balance inquires. Some institutions may charge you extra to use their ATMs. To avoid surcharges, use a different ATM, or make purchases with your Check Card instead of cash.

Free 24 Hour Access by PC & Phone

Get Free access to your accounts via your PC or Macintosh with E*Teller. See your balances and account history, make transfers between your accounts, download account information to popular financial software, see and print pictures of your cleared checks, and much more. Bill payment is free - save postage with every bill you pay.

With Touch-Tone Teller you have access to your account via a touch-tone phone for transfers, inquires, loan payments, loan information , withdrawals by check, and more.

Safety & Security

DFCU's Checking Accounts are federally insured along with your other DFCU Accounts up to $250,000 by the National Credit Union Administration (NCUA), as U.S. Government Agency. Additional aggregate coverage is possible depending on how you structure the ownership of your family's accounts.

Switch Your Checking Account To Dakotaland Today!

Switching your checking account to DFCU is easy. Just complete the Checking/Savings Application form and you're on your way.

If you need more information about DFCU Free Checking or other products and services, visit your nearest DFCU office or call us at (605) 352-2845 or (800) 440-6573.