Overdraft Protection

Have peace of mind with Premium Overdraft and Premium Overdraft Plus.

When you are enrolled in Premium Overdraft coverage for your checking account, the check or e-check transactions made using your checking account number and automatic bill payments are covered.

When you are enrolled in Premium Overdraft Plus coverage for your checking account, and you opt-in, your Debit Card point of sale purchases and withdrawals are covered.

Whether you need to use your ATM/Debit Card and don't have enough available money in your account to cover the charges or you are using your ATM/Debit Card and you are declined when you are settling your bill at the store or restaurant.

Opting-in ensures your Debit Card point of sale purchases and ATM transactions process without interruption, or being declined, due to lack of available funds in your account.

There is no limit to the total fees we can charge you for overdrawing your account.


NCUA Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government.


Unauthorized attempts to upload information and/or change information on this website is strictly prohibited and are subject to prosecution under the Computer Fraud and Abuse Act of 1986 and Title 18 U.S.C. Sec.1001 and 1030.

If you are using a screen reader or other auxiliary aid and are having problems using this website, please call 888-336-2700 for assistance. Also, all products, services and information available on this website are also available at any of
our physical branches, where we would be happy to assist you further. Click here to view our Accessibility Statement.

*APY = Annual Percentage Yield. Paid and compounded quarterly. Dividend rates are determined by the principal balance when your certificate is opened. Dividend payments will not affect the dividend rate during the term even if the minimum balance for the next tier is met. Rates subject to change without notice at any time. Penalties may apply for early withdrawals. DFCU Financial deposit products are insured by the NCUA.

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While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2007, Cash Back is not guaranteed and will depend on our financial performance and other factors. Annual Cash Back payments are limited to an aggregate of $10,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA, and that it be open when Cash Back is deposited. Cash Back to Commercial / Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.