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  Desert Schools Federal Credit Union Checking Account
Desert Schools Federal Credit Union Checking Account
in Checking Accounts from Desert Financial Credit Union
Unaffiliated

Desert Schools Federal Credit Union Checking Account

Unaffiliated
in Checking Accounts from Desert Financial Credit Union
Net Recommendation Score +100  

SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

Rating not yet determined  

1 user recommends
0 users are unsure
0 users don't recommend
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Highlights
Community Rating

Rating not yet determined  

Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee Starting at $0

Desert Schools Federal Credit Union Checking Account Review

Desert Schools Federal Credit Union Checking Account is offered by Desert Financial Credit Union, founded in 1939 and based in Phoenix, AZ. Desert Schools Federal Credit Union Checking Account is available in 1 state across the USA.

Key Takeaways
  • 0% APY. As with most checking accounts, Desert Schools Federal Credit Union Checking Account does not pay interest.
  • Small minimum initial deposit. You only need $20 to open an account.
Desert Financial checking account Pros & Cons
Pros Cons
  • No signup bonus.
  • Does not earn interest
  • Does not offer mobile check deposits.
  • Does not provide access to a nationwide ATM network.
  • Does not come with a debit card
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Charges a higher than average fee on out-of-network ATM transactions.
Desert Financial checking account FAQ

Are checking accounts from Desert Financial Credit Union federally insured?

No, your Desert Financial Credit Union checking accounts are not insured by a federal insurance agency. This means that if Desert Financial Credit Union were to fall into financial difficulties, your deposits are not covered by a government backed insurance fund like the FDIC or NCUSIF.

What APY does Desert Financial checking account offer?

Desert Financial checking account is not an interest-bearing account.

What are the account minimums for Desert Financial checking account?

Desert Financial checking account requires a minimum initial deposit of $20 to open an account.

Desert Schools Federal Credit Union Checking Account Minimums
Description
Minimum Balance to Earn APY $0
Minimum Opening Deposit Starting at $20
Minimum Balance to Avoid Monthly Fee Starting at $0

What fees does Desert Financial checking account charge?

This account charges a monthly service fee of $0.

Desert Schools Federal Credit Union Checking Account Fees
Description
ATM Fee: In-Network $0
Check Copy $2
Debit Card Replacement Fee $5
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 2%
Monthly Fee $0
NSF Fee $35
Online Bill Pay Fee $0
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $5
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $25
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $60
ATM Fee: Out-of-Network Starting at $3

Does Desert Financial checking account charge overdraft fees?

Yes, Desert Financial checking account charges a $35 fee for every overdraft.

Desert Financial checking account offers overdraft protection at a cost of $5 per transaction.

What features and perks does Desert Financial checking account offer?

This account includes the following features:

What is the customer support email for Desert Financial checking account?

The customer support email for Desert Financial checking account is info.info@desertfinancial.com.

How do people rate the customer service and user experience of Desert Financial checking account?

Overall, Desert Financial checking account is strongly recommended based on community reviews that rate customer service and user experience.

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Editorial Disclaimer: Editorial and user-generated content on this page is not provided or commissioned by the issuer. Opinions expressed here are the author’s alone and have not been approved or otherwise endorsed by any financial institution, including those that are advertising partners.

Message From Desert Financial Credit Union

When we say free checking, we mean it. No monthly service fees. No minimum balance. No hassles. Our hassle-free Free Checking is really, actually, honestly free! We believe you shouldn’t have to pay to spend your own hard-earned money, so there are no requirements and no fine print. Free Checking is just another way for us to share success with you and our members! Sign Up for Free Checking.

Contact

Hours of Operation

  • Sunday Closed
  • Monday Closed
  • Tuesday 10:00am - 7:00pm
  • Wednesday 10:00am - 7:00pm
  • Thursday 10:00am - 7:00pm
  • Friday 10:00am - 5:00pm
  • Saturday Closed

Other Services by Desert Financial Credit Union

Availability

  Available in 1 state
Arizona
Availabile in all of Arizona

Feature Breakdown

Minimum Balance to Earn APY $0
Minimum Opening Deposit Starting at $20
Minimum Balance to Avoid Monthly Fee Starting at $0
ATM Fee: In-Network $0
Monthly Fee $0
Online Bill Pay Fee $0
Check Copy $2
Debit Card Replacement Fee $5
Early Account Closure $25
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $35
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $5
Paper Statement Fee $2
Returned Deposit Fee (Domestic) $15
Returned Deposit Fee (International) $25
Stop Payment Fee $35
Wire Transfer Fee - Domestic (Incoming) $10
Wire Transfer Fee - Domestic (Outgoing) $20
Wire Transfer Fee - International (Incoming) $10
Wire Transfer Fee - International (Outgoing) $60
ATM Fee: Out-of-Network Starting at $3
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Free Bill Pay
  • Mobile Check Deposit
  • No Monthly Maintenance Fee
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Bauer Financial A+/A Rating
  • Insured by NCUA
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0%

Desert Schools Federal Credit Union Checking Account Community Reviews

 

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SUPERMONEY NET RECOMMENDATION SCORE

This product is strongly recommended by SuperMoney users with a score of +100, equating to 5 on a 5 point rating scale.

+100

Recommendation score measures the loyalty between a provider and a consumer. It's at +100 if everybody recommends the provider, and at -100 when no one recommends.

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