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Please Choose A Different Account Type

Select the checking account that's right for you.

Regular Savings is required for all members. If you'd like to open additional accounts, select below:

Lock in a competitive fixed yield for a set term with our Certificates of Deposit.

Select from our specially recommended accounts below.

Prime Share is required for all members.

Our certificates are designed for flexibility and competitive earning potential, ensuring accessible and profitable savings options on your own terms.

Business Account

Tax-advantaged savings for education. Tax-free earnings and withdrawals for qualified educational expenses.

Coverdell ESA

For non-US citizen members and DOWCU students

International Membership

Retirement account that enables you to delay paying taxes until the money is withdrawn.

Individual Retirement Account

Create a youth account with a parent/guardian as joint owner.

Youth Membership

Adult Membership

Securely hold and manage assets for designated beneficiaries.

Trust Account

DOWCU Film Account

Select the length of your certificate from {min} to {max} months.

Choose Your Certificate Term

After you submit your certificate of deposit, you will need to fund your account by clicking "Make a deposit into your account".

You already have a pending request

By opting into receiving SMS text messages from Dow, you agree to the 

You indicated you're a U.S. Person but previously selected you don't have an SSN. To meet U.S. regulatory requirements, please restart your application and include your SSN/ITIN.

SSN/ITIN Required for U.S. Persons

Just a Few More Questions

You have a few tasks left to complete your applications.

Additional Information Requests

Please contact us for a new invitation link.

Use Your Invite Link

{cuName} started an application for you. It only takes a few minutes to finish.

Hi {firstName}, let's finish your application

Are you sure to cancel your automatic transfer?

Transfer Details

Set up one-time or automatic transfers between your Dow Credit Union accounts.

Choose Transfer Frequency

How Much Would You Like To Transfer?

You can access and edit your transfers within Online Banking.

Review Your Transfer

Enter the details below for your beneficiary

Tell us your Beneficiary's Address

A beneficiary inherits an account's assets in the event all account owners pass away.

A beneficiary inherits an account's assets in the event the account owner passes away.

Tell Us Your Home Address

Let's Learn More About You

Please enter date of birth and SSN below for beneficiary.

And Lastly, Just a Few More Details

Your beneficiary will receive a link via email to enter their personal information.

Your beneficiary will receive an email link to enter their personal information. Please inform them that they should be expecting an email from us shortly.

Enter the Beneficiary's Email Address

Let's Learn More About Your Beneficiary!

You may add or update your beneficiary information at any time. If you'd like to designate an entity, multiple beneficiaries or need assistance, please 

Add a Beneficiary to Your HSA

Your beneficiary will receive an email link to provide their information.

A beneficiary inherits an account's assets in the event all account owners pass away. If you would like to add an entity as your beneficiary, please 

How Would You Like To Add A Beneficiary?

Trust Name

What Type of Beneficiary Would You Like to Add?

What Is Your Business's Mailing Address?

This must be a physical address where you conduct business and cannot be a PO box.

Where is Your Business Located?

Please select up to one control person.

Select Your Control Person

DBA Document

Please specify your DBA name and attach your DBA or any trade name documents.

DBA (Doing Business As) or an Official Name Change

Please upload documentation showing your EIN/TIN number issued by the IRS.

Next, We'll Need Your EIN Documents!

Next, We'll Need Your Formation Documents!

Select business eligibility type

Share More About Your Business

To add a new signer, upload documentation showing they're authorized on this account (e.g. a resolution or signed authorization letter).

Upload Proof of Authorization

They will receive an email link to enter their personal information.

Enter Additional Owner or Signer Details

A corporate resolution authorizing this signer removal.

Edit Owner or Signer

Edit Owner or Signer Invite

Please upload documentation supporting this signer removal.

Upload Supporting Documentation

This signer will be removed from the application and will no longer be associated with this account.

Remove {name}?

The signer has been removed from your application.

Signer Removed

A resolution or letter signed by an existing owner authorizing this addition.

Manage the owners and authorized signers on your business membership.

Owners and Signers

Individuals with 25% stake in your company or more must be added. You may also add anyone who has control over your company's finances (like a CFO).

{name} will receive an email link to enter their personal information. Please inform them that they should be expecting an email from us shortly.

You're All Set!

Would You Like to Add Another Owner or Signer?

A DBA or "Doing Business As" is the name a company uses instead of its official name. Also known as a Fictitious Name, it's how a business presents itself to the world.
A DBA is commonly used for sole proprietorships when the owner's name is not used.

Information on DBA Names

Let's Learn About Your Business

Now, What Is the Best Number to Reach Your Business?

Now, Help Us Understand More About Your Monthly Transactions

Let's Learn About Your Organization

Account Information

Company Documents

Business information

Job title

Name

Owner/Signer {count}

Please take a moment to confirm the information in your application. We want to make sure everything is accurate and complete!

You're Crossing the Finish Line!

An EIN, or Employer Identification Number, is a special 9-digit ID for U.S. businesses, given out by the IRS. 
You can receive an Employer Identification Number (EIN) <link>from the IRS</link> within minutes. Resume your application once you're ready- we saved your progress!

Have questions about an EIN?

If you are a sole proprietor and do not have an EIN, you may enter your Social Security Number.

What Is Your Business Tax ID?

Provide the email address where you can be reached at work.

Now, Enter Your Business Email

If no ownership applies, please enter "0."

Tell Us About Your Current Role

You agree to immediately notify us if you at any time make a change to your business that would require a "Yes" response to any of the above.

Is Your Company Any of the Following?

You must be able to make key decisions for the business as an owner, officer, or other authorized individual. 

About You

Tell us what your business is all about.

Business

Invite signers and beneficial owners with at least 25% ownership.

Owners/Signers

Double-check your details and documents.

Review

We'll walk you through these steps to get your account up and running:

Your Application at a Glance

You've successfully submitted your owner/signer application.

Success

What makes a great account? No surprises, no hassle, and people there to help when you need it. If your current checking account is costing you more and giving you less, try Freedom Checking!

Freedom Checking

Benefits Plus® Checking entitles you to an exclusive program that saves you and your family money on products and services you use every day.

Benefits Plus Checking

Reward Checking acts like a traditional checking account but has added features that actually reward you for using it.

Reward Checking

A Money Market account offers a higher interest rate than a regular share savings as long as you keep a minimum of $500 in the account. No fees.

Century Money Market

No minimum balance to open, No fees, Dividends paid monthly, Limited check writing, Competitive rates.

Gold Money Market

No minimum balance, no monthly maintenance fee, no dividends, $0.35/item over 200 transactions, $0.50/ check for mobile deposits, Cash handling fee.

Small Business Checking

No minimum balance, $20 monthly maintenance fee, Dividends paid monthly, $0.10/item; no transaction limit, $0.50/check for mobile deposits, Cash handling fee.

Business Checking

Not-for-profit business only, No minimum balance, No monthly maintenance fee, No transaction fees, Dividends paid monthly.

Association Checking

Next, add any additional accounts you wish to open today

Select checking accounts based on your needs.

You're under 16, so a checking account has to be opened with a parent or joint owner. Choose {minorAccountName} to continue with checking, or skip checking to continue.

You're under 16, so a checking account has to be opened with a parent or joint owner. Choose {minorAccountName} to continue with checking.

Because you’re under {minimumCheckingAgeWithoutJointOwner}, you’ll need a parent or joint owner who is {minimumJointOwnerAge} or older to open a checking account. You can add them before submitting your application, or skip checking to continue without one.

Because you’re under {minimumCheckingAgeWithoutJointOwner}, you’ll need a parent or joint owner who is {minimumJointOwnerAge} or older to open a checking account. You can add them before submitting your application.

A parent or joint owner is needed for checking

Let's Get Started

Courtesy Pay Terms and Conditions

Learn more about Courtesy Pay

You've successfully opted into Courtesy Pay.

Would You Like To Enroll in Courtesy Pay?

Your account is already set up with a debit card. If you're not seeing it, please contact support.

You already have a debit card

Select your preferred debit card design.

Only one debit card request is allowed at a time.

Your card should arrive in your mailbox within 7 to 10 business days.

Receive your card within 7-10 days by delivery.

We're sorry. We are unable to service you. If you believe you are receiving this message in error, please contact support.

Unfortunately, your application has been denied

We'll need to confirm you are eligible for Dow Credit Union.

Select your current employment status

Upload or take a photo of your youth's ID document.

And Lastly, Verify The Youth's Identity

If the youth does not have an email address, please enter the email of the parent/guardian.

Upload or take a photo of your ID document.

Verify Your Identity

Choose the account that will receive your new direct deposits.

What is the custodian's date of birth?

What is

date of birth?

What is the youth's date of birth?

Date of Birth (MM/DD/YYYY)

PDF, JPG, or PNG. Max file size 10MB.

Please upload your document

Select a Qualifying Organization

Please select the Club or Foundation you are a member of.

Select Your Club or Foundation

Let us know how you are eligible to join.

By checking this box, you permit Dow Credit Union to share your contact information and collect a $10 donation for the Midland Area Community Foundation (MACF) to become a MACF donor member. MACF manages the Dow Credit Union Multipliers for Good Fund.

I agree to the $10 donation.

This permits Dow Credit Union to share your contact information and collect $10 donation for the Midland Area Community Foundation (MACF) to become a MACF donor member. MACF manages the Dow Credit Union Multipliers for Good Fund.

Membership is Open to All!

Get ready for a better banking experience.