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Eligibility

Joining is fast and easy!

To apply online, applicants must be a U.S. citizen or legal U.S. resident. Prior to completing the application, you will be asked to give Dow Credit Union authorization to pull a soft credit report inquiry for each applicant 18 years of age or older.

You will need the following information in order to complete the application:

Government issued ID/Drivers License/State ID or Passport with current address

Your complete physical and mailing address

Social Security Number

Important Information About Procedures for Opening a New Account: To help the government fight the funding of terrorism and money laundering activities, federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means for you: When you open a new account we will ask for your name, address, date of birth, and other information that will allow us to identify you. We may also ask for your driver's license or other identifying documents.

Select your eligibility

Are you a resident of Michigan?

Please select the employer from the list.

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Required Products

Select the following products required for membership

Prime Share Savings

Start your journey as a member-owner of Dow Credit Union with our Prime Share Savings account. A simple $5 deposit opens the door to membership — and to all the benefits that come with it.

Minimum deposit represents one share and your ownership in the credit union
Use funds for overdraft protection
Additional Details & Disclosure

APY: 0.35% Min Deposit: $5.00

In addition, select one of the following products

Available Products

New Member Preferred Checking

Our Preferred Checking account rewards you with our Preferred Rate on balances up to $20,000 after qualifying activities.

Automatically earn the Preferred Rate in the first month
Additional Details & Disclosure

Max APY: 5.12% Min Deposit: $0.00

New Member Classic Checking

Classic Checking is everything you want in a basic checking account. It's built for everyday money management with simple access to your funds.

Earn the Classic Rate on checking account balances
Additional Details & Disclosure

APY: 0.25% Min Deposit: $0.00

APY (Annual Percentage Yield)

	Dividend Rate	APY	Minimum Deposit	Term (months)
.	--	0.25%	$0.00	N/A
.	--	5.12%	$0.00	N/A

Please answer the following question(s)

How did you hear about Dow Credit Union?*

Please enter the persons name who referred you to Dow Credit Union.*

Please describe how you heard about Dow Credit Union.*

A code word - is required to obtain account information and complete transactions when you contact the credit union by telephone. It must contain 2-25 alphanumeric characters.*

You will need to establish a code word hint in the event you have forgotten your code word. Your code word and hint cannot be the same.*

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Description

Details

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Additional feature(s)

Add Account Remove Account Save Account OK

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Choose your rate

Specify the amount to deposit

Choose your term

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Maturity Date

Application Cancelled

We have cancelled your application.

If this was a mistake and you would like to fix errors you can return to the application now.

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Funding

How much do you want to deposit?

One-time Membership Fee

$0.00

Total Deposit

How do you want to fund your new account?

Not Funding At This Time

Credit Card (max $499.00)

Internal Transfer

I agree to the terms below for the funding method I've selected.

US Issued Visa^® or MasterCard^® Credit or Debit Card: ($499 maximum) Once your application is approved, Dow Credit Union will initiate a hold on the authorized card. A hold on your card could reduce your available balance. This funding method is intended as a purchase transaction. Dow Credit Union is not responsible for fees or interest that may be assessed by your card issuer from this purchase transaction. Dow Credit Union will extend deposit credit to your Dow Credit Union account within two business days after the application approval date. Dow Credit Union reserves the right to hold, offset, or collect against any funding settlement balance that does not clear through the card payment system or for any funds identified as fraudulent.

Internal Transfer from Another Dow Credit Union Account: (Unlimited Dollar Amount) Using this method of funding will immediately move funds from the funding account and make them available in your new account.

The primary or joint applicant must be an account owner on the funding (from) account.
Trust or HSA accounts cannot be used as funding accounts.

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*Required Field(s)

Done

There was a problem with your request

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Done

Insufficient Balance

This account does not have sufficient balance to cover the total required deposit.

Please select another account.

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Instant Account Verification

We offer a way to instantly verify your account information using . We only use this partner service to retrieve information required to transfer funds from your specified financial institution and to verify that your current balance is sufficient for this transaction.

Continue

Verify account manually instead

By clicking the "Continue" button above, you are agreeing to the terms of our user agreement.

'Doing Business As' Information

DBA Business Information

Company Name

Business Tax ID Type

TIN

SSN

Business Tax ID

Show TIN

Your Business Tax ID is used for identification purposes.

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

Industry

Phone

(xxx) xxx-xxxx

DBA Physical Address

Country

Address

Zip

City

State

Occupancy Status

Occupancy Duration

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Continue Or Go Back

Tell Us About Yourself

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Gross Monthly Income (before taxes)

As the custodian for under the Virginia Uniform Transfers to Minor Act, I make this application on the minors

eSignature

Date:

Upload Documents

New Members Only - Consider uploading the documents below, these may be required for final account approval:

Driver's License or State ID
Also applying for a loan? Please attach your 2 most recent paystubs

Click or tap here to capture or upload an image or document.

Do you have any beneficiaries?

Yes

Do you have another applicant?

Yes

Continue Or Go Back

Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

Speed up your application process by taking the BACK image of your US driver's license.

If you do not wish to use this feature, simply close this popup window and proceed.

Recommendation for best recognition:

* Use a dark background

* Make sure all four corners are visible

* Avoid glare

* Make sure image is in focus

Done

System can't prefill due to ZIP code discrepancy. Please proceed by manually entering the information or correct the value in the ZIP field in the 1st page.

Tell Us About Yourself

Minor Information

Suffix (Jr., Sr., etc.)

Gender

Date of Birth

Mother's Maiden Name

Citizenship Status

Contact Information

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

Continue Or Go Back

About Your Joint Applicant

Suffix (Jr., Sr., etc.)

Date of Birth

Mother's Maiden Name

Citizenship Status

Current Physical Address

Country

Address

Zip

City

State

Use different address for mailing

Mailing Address

Country

Address

Zip

City

State

Contact Information

Identification

ID Type

ID Number

ID State

ID Country

ID Date Issued

ID Expiration Date

About Your Employment

Employment Status

Upload Documents

New Members Only - Consider uploading the documents below, these may be required for final account approval:

Driver's License or State ID
Also applying for a loan? Please attach your 2 most recent paystubs

Click or tap here to capture or upload an image or document.

Continue Or Go Back

Tell us about your beneficiaries

Add an additional beneficiary

Are you sure you want to remove this beneficiary?

Remove

Cancel

Your Social Security Number (SSN) is used for identification purposes and to determine your account opening eligibility.

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Tell us about your beneficiary percent shares

Other Products

Total beneficiary percent share: 0.00%

Please indicate the percentage of the payout each beneficiary will receive:

Total

0.00%

Distribute Evenly

Press this button if you want to assign an equal value to all beneficiaries.

In some cases, 100 cannot be divided evenly by the number of beneficiaries When this occurs, the amount of the first beneficiary will be increased to make the total equal 100%.

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One-Time Passcode

Submit Code

Authentication Questions

Submit Answers

Continue Cancel

Do you want to cancel the verification process? Doing so may delay the processing of your application.

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We encountered a problem and cannot process your application at this time. Please contact Dow Credit Union.
Error: E-004

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Fund Now with Plaid

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Fund Now with Repay

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Product Type	Maximum Deposit	Your Requested Deposit
Checking
Savings
Certificate

Fund via Internal Transfer

Fund via Credit Card

Alert Popup

Transfer from another financial institution

Co-Driver's License Scan

Driver's License Scan

Other Products

Document Upload Source Selector

Document Upload Source Selector

One-Time Passcode

Document Verification

Restart Popup

Document Verification

Restart Popup

Alert Popup

Alert Popup

Restart Popup

New Membership

Application Cancelled

Funding

Fund via Internal Transfer

Fund via Credit Card

Alert Popup

Transfer from another financial institution

'Doing Business As' Information

Tell Us About Yourself

Co-Driver's License Scan

Driver's License Scan

Minor Applicant Information

Joint Applicant Information

Beneficiaries Information

Beneficiaries percent share information page

Other Products

Document Upload Source Selector

Document Upload Source Selector

Review and Submit

One-Time Passcode

Authentication Questions

Document Verification

Restart Popup

Document Verification

Restart Popup

Application Completed

reCAPTCHA Verification Failure

Almost Done

Congratulations

Funds Pending

Almost Done

Congratulations

Funds Pending

Almost Done

Congratulations

Funds Pending

Almost Done

Alert Popup

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Access Denied