No hidden fees! Our Free Checking¹ account is really, actually, honestly free!
Open my account now
You can also make an appointment online, call us at (602) 433-5626 or visit a branch.
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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Desert Financial |
Bank of America |
Chase |
Wells Fargo |
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Monthly service fees |
$0 |
Up to $12 |
Up to $12 |
Up to $10 |
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Minimum opening deposit |
$0 |
$100 |
$0 |
$25 |
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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.
Life happens! We understand unexpected overdrafts occur from time to time. Overdraft protection services can help. We offer three ways to cover overdrafts.
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.
Build knowledge and instill healthy financial habits with a free Kickstart account.
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.
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 Policy.
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.
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Checking is free; however, fees for overdraft or additional services may apply. Membership eligibility required.
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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 Member’s qualifying checking account and the Referring Member’s 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.
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