Checking Accounts
Built for your life
Experience hassle-free banking with our checking accounts designed for modern life. No monthly fees, advanced security, and all the features you need.
Smart Banking
Access your money anytime, anywhere with our advanced digital tools
How Checking Accounts Work
Understanding how your checking account operates helps you make the most of your banking experience.
Open Your Account
Apply online in minutes with just your ID and Social Security number. No minimum deposit required for Essential Checking.
Get Your Debit Card
Receive your free contactless debit card within 5-7 business days. Activate it instantly through our mobile app.
Start Banking
Use your card for purchases, withdraw cash from ATMs, deposit checks via mobile, and manage your account online 24/7.
Grow Your Money
Earn interest on your balance, build credit, and access additional financial products as your relationship grows.
Account Features Explained
Direct Deposit
Set up automatic deposits from your employer or government benefits. Funds are typically available the same day or next business day.
Mobile Banking
Check balances, transfer money, pay bills, and deposit checks using our secure mobile app with biometric authentication.
Overdraft Protection
Link your savings account to automatically cover transactions when your checking account has insufficient funds.
Security & Protection
FDIC Insurance
Your deposits are insured up to $250,000 by the Federal Deposit Insurance Corporation, protecting your money.
Fraud Monitoring
Advanced algorithms monitor your account 24/7 for suspicious activity and alert you immediately of any concerns.
Zero Liability
You're protected from unauthorized transactions with our zero liability policy on debit card purchases.
Why Choose Dominion Trust Capital Checking?
Get more from your checking account with features designed for modern banking.
24/7 Online Banking
Access your account anytime, anywhere with our secure online and mobile banking platform.
Free Debit Card
Get a free contactless debit card with every checking account, accepted worldwide.
Mobile Deposits
Deposit checks instantly using your smartphone camera - no need to visit a branch.
ATM Network
Access over 55,000 ATMs nationwide with fee reimbursement options.
Fraud Protection
Advanced security features and real-time fraud monitoring protect your account.
Overdraft Protection
Link your savings account to avoid overdraft fees and declined transactions.
Frequently Asked Questions
Are there any monthly fees?
Our Essential Checking account has no monthly maintenance fee. Premium Checking is also free with a $2,500 minimum balance.
How do I open a checking account?
You can open an account online in just 5 minutes. You'll need a valid ID, Social Security number, and initial deposit.
What ATMs can I use?
You can use any ATM in our network of 55,000+ locations. We also reimburse ATM fees up to $10-15 per month depending on your account type.
Is my money insured?
Yes, all deposits are FDIC insured up to $250,000 per depositor, per bank, per ownership category.
Can I set up direct deposit?
Absolutely! Direct deposit is free and available for all checking accounts. You can set it up through online banking or by providing your employer with our routing and account numbers.