Skip to Main Content

Get truly Free Checking

No hidden fees! Our Free Checking¹ account is really, actually, honestly free!

Open my account now

Benefits of the best Free Checking in Arizona

You shouldn’t have to pay to spend your own hard-earned money.
A check with a pen
Free Checking: We mean it
No monthly service fees, no minimum balance and no hassles.
Digital Banking: Anytime, anywhere
Top-rated mobile app and online banking.
Easy ATM access
30,000+ CO-OP surcharge-free ATMs.
Refer-A-Friend: Get $100 
You and your friend could get $100 each after meeting the requirements.²
Member Service: We’re here for you
Personalized service for your unique needs,

You can also make an appointment online, call us at (602) 433-5626 or visit a branch.

Choose your favorite card design!


Get my card now

A cozy family moment in their bright living room, with the father, mother, and daughter reading a book together on the couch. The mother holds the book while the young girl eagerly reaches for it.

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.

What members are saying

"Sophia’s attitude and performance puts typical banking to shame. She was great to work with! The entire transaction took approximately 15 minutes. Couldn’t be better!"
Ernest F.

Free Checking: transparency, not hidden fees


Desert Financial Free Checking

Bank of America Advantage Plus

Chase Total Checking

Wells Fargo Everyday Checking

Monthly service fees


Up to $12

Up to $12

Up to $10

Minimum opening deposit





Relationship Rewards




Two happy hikers taking a selfie at the bottom of a canyon.

Your partner in digital banking

Your finances are at your fingertips! Use our award-winning mobile app and online banking to access your accounts 24/7. Check your balances, make mobile deposits, transfer funds and more.

Happy lady holding an infant using her desert financial debit card's tap-to-pay feature at checkout in a store.

Your partner in debit power

Have peace of mind when using your Visa® debit card. Enjoy the convenience of tap-to-pay technology, the safety of fraud alerts and the security of Zero Liability Protection. Plus, you can pick from eight different debit card designs – including Arizona Cardinals and ASU® designs!

A joyful customer effortlessly manages her finances using Desert Financial overdraft services, smiling while checking her phone for account updates.

Your partner in overdraft services

Life happens! We understand unexpected overdrafts occur from time to time. Overdraft protection services can help. We offer three ways to cover overdrafts.

A bank teller helping a young man fill out a written form over the counter.

Your partner in moving money

Using online or mobile banking, you can transfer money between accounts and set up recurring transfers between accounts – so you’ll never forget a payment again. Need to use wire services? Just come into any of our branches.

Happy couple holding hands while walking down a trail in the desert.

Your partner in identity protection

Stay a step ahead of potential threats to your personal information with affordable identity protection solutions that help you prevent and detect ID theft before it happens and repair damage if it does.

Related content

Connect with us

chat bubble

Chat with us

Open chat
outline of a business

Visit a branch

Find locations


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.


Offer Requirements: New Member (Friend) must either open accounts online by following the promotional link within the referral email sent by the Referring Member, mention this promotion at the time of account opening over the phone or present a completed Refer-A-Friend Referral Form at the time of account opening in branch to be eligible. Referring Member and Friend cannot begin credit union membership on the same day.


New Member Promotion Eligibility: Offer available only to new Desert Financial Credit Union (DFCU) members who are 18 years of age or older, have a valid U.S. Taxpayer Identification number or Social Security Number and meet DFCU’s membership eligibility and credit qualification requirements. See our Statements of Terms, Conditions & Disclosures for further information regarding membership eligibility and account 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 promotional Refer-A-Friend 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 valid for a limited time, cannot be combined with any other account opening offer and is subject to change.


Bonus Eligibility: New Member and Referring Member must meet the following requirements to receive cash bonus. New Member: Must open a Membership Savings with a minimum balance requirement of $25 and a checking account in addition to meeting the following two requirements within the first 90 calendar days of account opening – 1) Have a minimum of 30 transactions (not including fees assessed by DFCU) posted to the new checking account and 2) Establish and receive a direct deposit. New accounts must be open and cannot be delinquent by more than 30 days at time of bonus payment. Referring Member: Must be at least 18 years of age at time of referral and must be the primary owner of an open and active Membership Savings, opened prior to the account opening date of the New Member account. Bonuses will be deposited into the New Members qualifying checking account and the Referring Members Membership Savings account no later than 10 business days in the month following the end of the first 90-day period if qualifications are met. Cash bonus earned is subject to all applicable taxes, is the responsibility of the member and will be reported on IRS Form 1099-INT.


Leaving our website

By clicking Continue you will leave the Desert Financial website and will be directed to an external website operated by a third party.


Desert Financial does not endorse and is not responsible for the content, links, accessibility, or security of any external website. The privacy and security policies of Desert Financial do not apply to the linked website. We encourage you to review these policies upon visiting the linked site to see how they apply to you.