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Secure everyday spending
Use your Visa® debit card with confidence. Enjoy the convenience of contactless payments, fraud alerts, and Zero Liability Protection⁴ for added security.
A truly free checking account you can trust
No hidden fees. No minimum balance. No surprises.
Open your account today!You work hard for your money. You shouldn’t have to pay just to access it.
Free Checking¹
No monthly fees. No minimum balance. Just simple, straight forward banking.
Digital banking
Check balances, move money, and stay in control anytime from your phone or computer.
Early direct deposit²
Easily enroll through online banking or our mobile app and receive your paycheck up to two days early. It’s that easy!
Refer a friend and earn $100³
You and your friend can each receive $100 when requirements are met.
Round up and save
If you choose to enroll in this feature, we'll round up your debit card purchases to the nearest dollar and deposit the change directly into your savings.
Easy access to ATMs
Use more than 30,000 CO-OP ATMs nationwide with no additional fees.
Free Checking: transparency, not hidden fees*
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Desert Financial |
Bank of America |
Chase |
Wells Fargo |
|
|
Monthly service fees |
$0 |
Up to $12 |
Up to $12 |
Up to $10 |
|
Minimum opening deposit |
$0 |
$100 |
$0 |
$25 |
|
Relationship Rewards |
✓ |
*Fee comparisons provided are based on publicly available information and reflect standard monthly service fees for basic checking accounts at the financial institutions shown. Actual fees may vary depending on account type, balance requirements, or other conditions. Desert Financial’s Free Checking account has no monthly service fee. This comparison is intended for informational purposes only and does not constitute an endorsement or affiliation with the other institutions identified.
Your partner in identity protection
Stay one step ahead of potential threats to your personal information with affordable identity protection solutions that help prevent and detect identity theft before it happens—and repair the damage if it does.
1
Free Checking is free; however, fees for additional services may apply. Eligibility and account qualification requirements apply.
2
Early access to direct deposit funds is a free and automatic feature, dependent on the timing of the payment file submission from your payer. Funds are generally made available on the day the payment file is received, which may be up to two business days earlier than the scheduled payment date. If your deposit does not arrive early, expect it to be available on your scheduled pay date. Standard fraud prevention restrictions apply. Not all direct deposits qualify for early access. Early availability of funds is not guaranteed and may vary with each deposit. This service is offered at the discretion of Desert Financial Credit Union, which reserves the right to discontinue it at any time without notice.
3
Offer Requirements: New Member (“Friend”) must open accounts online through the promotional link in the referral email sent by the Referring Member, by mentioning the offer at account opening by phone, or by presenting a completed Refer A Friend Referral Form at account opening in a branch to be eligible. Membership eligibility required. The Referring Member and Friend may not begin credit union membership on the same day. New Member: Must open a Membership Savings with a $25 minimum balance requirement and a Free Checking or Desert Connect checking account and, within 90 calendar days of opening, have at least 30 posted transactions in the new checking account and receive a qualifying direct deposit, as determined by DFCU. New Member must be 18 years of age or older and have a valid U.S. Taxpayer Identification Number or Social Security Number. Referring Member: Must be at least 18 at the time of referral and be the primary owner of an open and active Membership Savings opened prior to the New Member’s account opening date. Existing primary account owners, primary account owners who have closed their membership within the past 12 months, existing joint account owners on an open checking or savings share, and employees of DFCU (including subsidiaries, affiliates, or agencies) and their immediate family members (spouse, parents, siblings, children, grandparents, or grandchildren) are ineligible. Bonus Payment: To receive the bonus, New Member accounts must be open and may not be delinquent more than 30 calendar days at the time the bonus is paid. If qualifications are met, bonuses will be deposited no later than 10 business days in the month following the end of the 90 day qualification period into the New Member’s qualifying checking account and the Referring Member’s Membership Savings. Bonus is subject to applicable taxes, is the member’s responsibility, and will be reported on IRS Form 1099 INT. Offer may not be combined with other account opening offers and is subject to change without notice.
4
Zero Liability Policy covers fraudulent transactions made by others using your Desert Financial debit card. For transactions to be covered under this policy, please do not share personal or account information with anyone. In addition, please report any fraudulent transaction promptly. For complete terms and conditions, refer to Statements of Terms, Conditions and Disclosures.
Translations of product and service information on this site are provided for convenience only. In the event of any discrepancy or conflict, the English versions will prevail. Not all materials are translated into Spanish. Our full Statements of Terms, Conditions,and Disclosures are provided in English at: DesertFinancial.com/Terms. Security and Legal Terms of Use are available in English at: https://www.desertfinancial.com/en/legal. Spanish-language customer support is available by contacting Desert Financial.