Desert Schools Federal Credit Union Checking Account
in Checking Accounts from Desert Financial Credit Union · Member ncua
UnaffiliatedDesert Schools Federal Credit Union Checking Account
in Checking Accounts from Desert Financial Credit Union · Member NCUSIF
Would you recommend Desert Schools Federal Credit Union Checking Account to your friends?
| Community Rating |
Rating not yet determined |
| Monthly Fee | $0 - $7 |
| ATM Fee: Out-of-Network | $3 |
| Minimum Balance to Avoid Monthly Fee | $2,500 |
| APY (Annual Percentage Yield) | 0% |
Desert Schools Federal Credit Union Checking Account Review
Desert Schools Federal Credit Union Checking Account is offered by Desert Financial Credit Union, a 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.
- 0% APY. As with most checking accounts, Desert Schools Federal Credit Union Checking Account does not pay interest.
- Charges a monthly fee. This account charges a monthly maintenance fee of up to $7, but the fee is waived if you keep a minimum balance of $2,500 or have a monthly direct deposit of $500.
- Small minimum initial deposit. You only need $20 to open an account.
- Free bill pay. Pay your bills to practically anyone in the United States through Desert Financial Credit Union.
- Hard credit pull. Desert Financial Credit Union may require a hard pull on your credit report to open a checking account.
| Pros | Cons |
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Are checking accounts from Desert Financial Credit Union federally insured?
Yes, your Desert Financial Credit Union checking accounts are insured up to $250,000 per person by the National Credit Union Share Insurance Fund (NCUSIF). Individual Retirement Accounts (IRA) are insured separately up to $250,000. The National Credit Union Administration (NCUA), a federal agency, administers the insurance fund and regulates federally insured credit unions. The fund is backed by the full faith and credit of the U.S. Government.
What APY does Desert Schools Federal Credit Union Checking Account offer?
Desert Schools Federal Credit Union Checking Account is not an interest-bearing account.
What are the account minimums for Desert Schools Federal Credit Union Checking Account?
Desert Schools Federal Credit Union Checking Account requires a minimum initial deposit of $20 to open an account.
| Description | Amount |
|---|---|
| Minimum Initial Deposit | $20 |
| Minimum Direct Deposit to Avoid Monthly Fee | $500 |
| Minimum Balance to Avoid Monthly Fee | $2,500 |
What fees does Desert Schools Federal Credit Union Checking Account charge?
This account charges a monthly maintenance fee of up to $7.
| Description | |
|---|---|
| Monthly Fee | $0 - $7 |
| Paper Statement Fee | $2 |
| ATM Fee: In-Network | $0 |
| ATM Fee: Out-of-Network | $3 |
| NSF Fee | $35 |
| Overdraft Protection Fee (per transfer) | $5 |
| Overdraft Item Fee | $35 |
| Early Account Closure | $25 |
| Returned Deposit Fee (Domestic) | $15 |
| Debit Card Replacement Fee | $5 |
| Bank Teller Fee | N/A |
| Check Cashing Fee | N/A |
| Online Bill Pay Fee | $0 |
| Stop Payment Fee | $35 |
| Check Image Service | N/A |
| Check Copy | $2 |
| Foreign Transaction Fee (Debit Card) | 3% |
| Wire Transfer Fee - Domestic (Outgoing) | $20 |
| Wire Transfer Fee - International (Outgoing) | $60 |
| Wire Transfer Fee - International (Incoming) | $10 |
| Returned Deposit Fee (International) | $25 |
| Wire Transfer Fee - Domestic (Incoming) | $10 |
What features and perks does Desert Schools Federal Credit Union Checking Account offer?
This account includes the following features:
- Free Bill Pay - Bill Pay allows you to pay bills easily from your account.
- Mobile Banking Services - Desert Schools Federal Credit Union Checking Account allows you to manage your money online. This includes depositing checks in your account with your smartphone.
Contact
- Headquarters
-
148 N. 48th Street
Phoenix, AZ 85035 USA - (602) 433-7000
- Visit Site
Other Services by Desert Financial Credit Union
Availability
Feature Breakdown
| Minimum Direct Deposit to Avoid Monthly Fee | $500 |
| Minimum Initial Deposit | $20 |
| Minimum Balance to Avoid Monthly Fee | $2,500 |
Desert Schools Federal Credit Union Checking Account Community Reviews
Would you recommend Desert Schools Federal Credit Union Checking Account to your friends?
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