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  Desert Schools FCU Checking Account
Desert Schools FCU Checking Account
in Checking Accounts from Desert Financial Credit Union · Insured by NCUA
Unaffiliated

Desert Schools FCU Checking Account

Unaffiliated
in Checking Accounts from Desert Financial Credit Union · Insured by NCUA
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
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Cashback Rewards N/A
APY (Annual Percentage Yield) 0%
Monthly Fee $0
Minimum Balance to Avoid Monthly Fee Starting at $0

Desert Schools FCU Checking Account Review

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

Key Takeaways

  • 0% APY. As with most checking accounts, Desert Schools FCU Checking Account does not pay interest.
  • $0 monthly fee. This account does not charge any monthly account fees.
  • Small minimum initial deposit. You only need $20 to open an account.
  • Bill pay. Pay your bills to practically anyone in the United States through Desert Financial Credit Union.

Desert Financial checking account Pros & Cons

Pros Cons
  • Insured by NCUA.
  • Free debit card
  • No signup bonus.
  • Does not earn interest
  • Does not provide access to a nationwide ATM network.
  • 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?

Yes, your checking accounts are insured up to $250,000 per share owner for each account ownership category. 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 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 FCU Checking Account Minimums
Description
Minimum Opening Deposit Starting at $20
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $0

What fees does Desert Financial checking account charge?

The good news is that this account does not have a monthly Service Charge.

Desert Schools FCU Checking Account Fees
Description
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $3
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $35
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $5
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
Paper Statement Fee $2
Online Bill Pay Fee $0
Check Copy $2
Debit Card Replacement Fee $5
Early Account Closure $25

Does Desert Financial checking account charge overdraft fees?

Yes, Desert Financial checking account charges a $35 fee for every overdraft. You can get 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:

  • Fraud monitoring - Desert Financial checking account monitors transactions for potentially unauthorized activity, such as when a debit card is unexpectedly used in a different location or you make a sudden string of costly purchases.
  • Online Bill Pay - Online Bill Pay allows you to pay bills easily from your account.
  • Mobile Banking Services - Desert Financial checking account allows you to manage your money online or with a mobile app. This includes depositing checks in your account with a mobile app on your smartphone.

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.

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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 checking account

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 Opening Deposit Starting at $20
Minimum Balance to Avoid Monthly Fee Starting at $0
Minimum Balance to Earn APY $0
Monthly Fee $0
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $3
Foreign Transaction Fee (Debit Card) 2%
NSF Fee $35
Overdraft Item Fee $35
Overdraft Protection Fee (per transfer) $5
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
Paper Statement Fee $2
Online Bill Pay Fee $0
Check Copy $2
Debit Card Replacement Fee $5
Early Account Closure $25
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 FCU 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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