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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 · Member ncua

Unaffiliated

Desert Schools Federal Credit Union Checking Account

Unaffiliated

in Checking Accounts from Desert Financial Credit Union · Member NCUSIF

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.

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Highlights
Community Rating

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Monthly Fee $0
ATM Fee: Out-of-Network $3
Minimum Balance to Avoid Monthly Fee $0
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.

Key Takeaways
  • 0% APY. As with most checking accounts, Desert Schools Federal Credit Union Checking Account does not pay interest.
  • $0 monthly fee. This account does not charge a monthly maintenance fee.
  • 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.
Desert Schools Federal Credit Union Checking Account Pros & Cons
Pros Cons
  • Deposits are insured by the NCUA (up to $250K).
  • Free debit card
  • No signup bonus.
  • Does not earn interest
  • Does not provide access to a nationwide ATM network.
  • 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 Schools Federal Credit Union Checking Account FAQ

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.

Desert Schools Federal Credit Union Checking Account Account Minimums
Description Amount
Minimum Opening Deposit $20

What fees does Desert Schools Federal Credit Union Checking Account charge?

The good news is that this account does not have a monthly service charge.

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 $3

What features and perks does Desert Schools Federal Credit Union Checking Account offer?

This account includes the following features:

  • Fraud monitoring - Desert Schools Federal Credit Union Checking Account monitors transactions for potentially fraudulent activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • 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.
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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.

Contact

  • Headquarters
  •   148 N. 48th Street
    Phoenix, AZ 85035
  •   Visit Site

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

APY Minimum Balance $0
Minimum Opening Deposit Starting at $20
Minimum Balance to Avoid Monthly Fee $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 $3
Bank 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
  • NCUA Member

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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