Where Smart Accounts
Come With Cash
Up to $300 for building better habits, from day one.
Rewarding Smart Choices.
At The District Credit Union, we believe every smart financial step should be celebrated. Open a new checking account with direct deposit and earn $200. Take it further by adding a SMARTY (ages 0–13) or Teen account, and your household reward grows to $300.
Everyday Banking,
Education-Minded Benefits.
Our checking accounts aren’t built to be ordinary,
they’re built to support busy parents, students, and young adults.
Free Instant Issue Mastercard® Debit Card
Online + Mobile Banking with eStatements
Free electronic bill pay with Checkfree
Nationwide network of 30,000+ surcharge-free ATMs
Shared branching at 5,600+ credit unions
From Report Cards
to Real Rewards.
With SMARTY and Teen Accounts, learning how to save and spend comes with real rewards.
SMARTY Account
Ages 0–13
Starter Kit with SMARTY the Caterpillar’s Big Money Adventures book + gift bag, $10 Birthday Bonus each year, and Good Grades Rewards deposits.
Teen Checking
Ages 13 –19
Free debit card + mobile banking, Report Card Rewards (up to $15 per grading term) and $10 Birthday Bonus each year.
From the classroom to their first paycheck, these accounts prepare kids and teens for a lifetime of financial confidence.
Get Started.
Earn Together.
Open your new checking account, add direct deposit, and enroll in eStatements to start earning today.
$200 with a new checking account.
$300 when you add a SMARTY or Teen account.
$100 if you're an existing member and open a SMARTY or Teen Account (up to $300 per household).
It’s your chance to teach smart habits, reward achievements, and grow with us.
More Than Money.
We Build Futures.
We are Aurora’s education-minded credit union, serving teachers, parents, and students for generations. Through financial workshops in classrooms, interactive tools at home, and programs like SMARTY, we prepare the next generation to succeed.
When you bank with The District Credit Union, you’re not just opening an account, you’re opening doors for yourself, your kids, and your community.
Local
Education-Minded
People Helping People
FAQ
How can your family earn up to $300 just by opening accounts with The District Credit Union?
> Open a new checking account with direct deposit → earn $200.
> Add a SMARTY (ages 0–13) or Teen account → boost it to $300 total.
> Existing members adding a SMARTY or Teen account can earn $100 per child (still capped at $300 per household).
Where will my bonus be deposited?
You can choose whether your bonus goes into your own account or your child’s account.
Do I need to contact the Credit Union about my bonus?
Yes, we recommend members contact us after 90 days. At that time, our team will review your account to confirm you are in good standing and have met all requirements:
> Direct deposit is set up through your employer.
> eStatements are enrolled through your online banking app.
Once everything is verified, your bonus will be deposited. For further questions, please contact us at 303-360-0987.
What benefits come with a SMARTY account?
> A free SMARTY Starter Kit with book and gift bag.
> A $10 Birthday Bonus each year (with a $10 matching deposit).
> Good Grades Rewards (cash for strong report cards).
> Access to a financial wellness session once a year to learn budgeting tips.
How do I submit report cards for Good Grades Rewards?
You can submit report cards online through the Get Paid for Good Grades Form.
Do employees and their families qualify?
Yes! District Credit Union employees and their families are also eligible to participate.
How does the $10 Birthday Bonus work?
Each year, members ages 0–18 can receive up to $10 on their birthday when a matching deposit of $10 is made into their account. Parents can deposit more, but DCU will only match up to $10.
The District Credit Union (NMLS# 402483) is federally registered through the Nationwide Mortgage Licensing System. NMLS is a free service for consumers to
confirm that the mortgage loan originator with whom they wish to conduct business is federally registered. To verify the status of your mortgage loan originator at
The District Credit Union, visit http://www.nmlsconsumeraccess.org.
New checking account with qualifying direct deposit and eStatements required. To earn the full $300 bonus, a parent/guardian must open a new checking account with direct deposit, enroll in eStatements for both accounts, and open a SMARTY (ages 0–13) or Teen account at the same time. Families may earn up to $300 maximum per household, regardless of the number of children. Existing members adding a new child account will earn $100 per child, not to exceed $300 per household, with all accounts active for at least 90 days. Bonus funds may be deposited into either the parent or child account. Members are expected to contact The District Credit Union after 90 days to confirm direct deposit setup and eStatement enrollment in order to receive the reward. All accounts must remain in good standing to qualify for rewards. Birthday Rewards ($10) will be matched with a $10 District CU deposit when a parent submits a request form. Good Grades Rewards require a submitted request form and will be deposited within 7–10 business days. The District Credit Union reserves the right to modify or cancel this promotion at any time. Terms and conditions apply. Federally insured by NCUA.
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