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.
To qualify, be sure to fulfill these requirements within 60 days of opening your account. Offer expires 8/15/25.
You can also call us at (602) 433-5626.
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.
1
Checking is free; however, fees for overdraft or additional services may apply. Membership eligibility required.
2
Offer ends 8/15/25. New members must open accounts online via the promotional link above or mention the offer while opening accounts in-branch or by phone to be eligible. To earn the $200 cash bonus, open a Membership Savings ($25 minimum balance requirement) and a checking account, and within 60 calendar days of account opening: enroll in Online Banking and eStatements and receive a direct deposit of at least $1,000 in a single transaction into the new checking. Bonus will be deposited into the qualifying checking account no later than 10 business days in the month following the end of the initial 60-calendar-day period if qualifications are met. Accounts must be open and not delinquent (30+ days) at the time of bonus payment. Cash bonus is subject to all applicable taxes, is the responsibility of the member and will be reported on IRS Form 1099-INT. Offer available to new DFCU members (18+) with a valid U.S. Taxpayer ID or SSN who meet membership eligibility and new account qualification requirements. See our Statements of Terms, Conditions & Disclosures for details. Existing primary account owners or primary account owners who have closed their membership within the past 12 months and existing joint account owners of an open checking or savings share are ineligible to receive bonus. Employees of DFCU, its subsidiaries, affiliates or agencies and their immediate family (including spouse, parents, siblings, children, grandparents or grandchildren) are not eligible. Offer cannot be combined with any other account opening offer.
3
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.
