Open a Free Checking Account, Get $200!

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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.

As a new member, you’ll receive $200 when you:2

  • Open a Free Checking account and a Membership Savings account.
  • Establish a direct deposit of $1,000 or more (in a single deposit).
  • Enroll in eStatements.

To qualify, be sure to fulfill these requirements within 60 days of opening your account.

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You can also call us at (602) 433-5626 or visit a branch.

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Digital banking tools

Access your accounts 24/7 on the fly with our mobile app and online banking.


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Use 30,000+ ATMs in our network, fee-free.


Member Service

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Relationship Rewards

This free program comes with benefits like rate discounts on loans and cash back.

1Checking is free; however, fees for overdraft, non-sufficient funds, 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.

2Offer Requirement: Must open accounts online by following the promotional link above or mention this promotion when opening in branch or over the phone to be eligible.

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 and 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 new account 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: To receive the $200 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 60 calendar days of account opening – 1) Establish and receive a minimum direct deposit of at least $1,000 in a single deposit and 2) Register for Online Banking and enroll in eStatements. New accounts must be open and cannot be delinquent by more than 30 days at time of bonus payment. Bonus will be deposited into the qualifying checking account no later than 10 business days in the month following the end of the first 60 calendar 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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