Checking

We make it easy.

At DFCU Financial, we offer everything you need.

Our simplified product line - which includes checking options created with your needs in mind - offers only the best selections to help you manage your money and achieve short-and long-term financial success. And whether you're a spender or saver, as a DFCU Financial member, you can be eligible for our Cash Back loyalty reward!


Learn more about our checking account options


FREE CHECKING

  • Overdraft protection*
  • No minimum balance fee
  • 0.25% loan rate reduction on select loans with automatic payment
  • 24/7 account access
  • Access to 1,700 fee-free ATMs in Michigan and 30,000 nationwide
  • Eligible for Cash Back
  • Save time and money with DFCU Direct Deposit

INTEREST CHECKING PLUS

  • Earned tiered interest with the higher the balance the more you earn
  • Free online banking and bill pay
  • Free money orders and cashier checks
  • Two free check orders per year through our preferred vendor Harland Clarke
  • Overdraft Protection*
  • No monthly fall-below fee with an aggregate minimum average daily balance of $10,000 or more in deposit accounts
  • 0.25% loan rate reduction on select loans with automatic payment
  • 24/7 account access
  • Access to 1,700 fee-free ATMs in Michigan and 30,000 nationwide
  • Eligible for Cash Back

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 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 funds in your account.

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


Tier APY and Dividend Rate2
$0 to $2,499 0.05%
$2,500 to $9,999 0.05%
$10,000 to $24,999 0.05%
$25,000 to $49,999 0.05%
$50,000 to $74,999 0.10%
$75,000 to $99,999 0.10%
$100,000 and up 0.10%

Rates effective as of 12/4/2016

*Members must qualify. Some restrictions apply.
2APY = Annual Percentage Yield. Paid and Compounded Monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. $5 minimum required to open a Savings Account, Special Savings Account, or Holiday Savings Account. $20 minimum required to open a Checking Account and Interest Checking Plus Account. $2,500 minimum required to open an Insured Money Market Account. Deposit account balance may increase your Cash Back. DFCU Financial deposit products are insured by the NCUA.

 

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.

DFCU Financial - Copyright © 2016 - Dearborn, Michigan - All rights reserved

While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2006, 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 $25,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA account, and that it be open when Cash Back is deposited. Cash Back to Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.