Open a Free Checking account, get $200!

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You shouldn’t have to pay to spend your hard-earned money. That’s why we offer a Free Checking account1 with no monthly service fees, no minimum balance and no hassles.

As a new member, you’ll receive $200 when you:2

  • Open a Free Checking account and a Membership Savings account.
  • Establish and receive a single direct deposit of at least $1,000.
  • Enroll in eStatements.

To qualify, be sure to fulfill these requirements within 60 days of opening your account.

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You can also call us at (602) 433-5626 or visit a branch.

Get Free Checking and better benefits

Digital banking tools
Access your accounts 24/7 on the fly with our mobile app and online banking.
Surcharge-free ATMs
Access to 30,000+ surcharge-free ATMs in the Co-op network.
Member Service
We’re here for you. You’re a member, not a number.
Relationship Rewards
This free program comes with benefits like rate discounts on loans and cash back.

Get more with Relationship Rewards

Relationship Rewards is a free program you're automatically enrolled in when you become a member. You earn points for doing various banking activities with us — and every point can help you level up! The higher your Relationship Rewards level, the more benefits you get.

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1

Checking is free; however, fees for overdraft or additional services may apply. See Fee Schedule. Membership eligibility required. For complete account terms and conditions, refer to the published Statements of Terms, Conditions and Disclosures.  

2

New member must either open accounts online via the promotional link above or mention this promotion while opening in branch or over the phone to be eligible. Offer available only to new DFCU members. Must be 18 or older with a valid SSN or TIN. To qualify, new member must open a Membership Savings with a minimum balance requirement of $25 and a Free Checking or Desert Connect checking account and meet all requirements as outlined in the above offer within 60 calendar days of account opening. Accounts must be open and not delinquent by more than 30 days at the time of bonus payment. Bonus will be deposited into the qualifying checking account no later than 10 business days of the month following the end of the initial 90-day period. Existing account owners (primary or joint) and primary owners of a membership closed within the past 12 months are ineligible. Employees of DFCU, its subsidiaries, affiliates, or agencies, and their immediate family members (spouse, parents, siblings, children, grandparents, or grandchildren) are also ineligible. Offer cannot be combined with any other account opening offer and is subject to change. Bonus may be considered taxable income and will be reported annually on IRS Form 1099-INT; consult your tax advisor.