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  DFCU Perks Plus Checking
DFCU Perks Plus Checking
in Checking Accounts from DFCU Financial
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DFCU Perks Plus Checking

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in Checking Accounts from DFCU Financial
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2 reviews
Highlights
Cashback Rewards N/A
APY (Annual Percentage Yield) 0.01% - 0.02%
(Verified 07/13/2022)
Monthly Fee $0 - $10
Minimum Balance to Avoid Monthly Fee N/A

DFCU Perks Plus Checking Review

DFCU Perks Plus Checking is offered by DFCU Financial, a credit union founded in 1950 and based in Dearborn, MI. DFCU Perks Plus Checking are available in 1 state across the USA.

Key Takeaways

  • Low APY. The maximum annual percentage yield for this account is only 0.02%.
  • Charges a monthly fee. This account charges a monthly service fee of up to $10.
  • Small minimum initial deposit. You only need $20 to open an account.

DFCU checking account Pros & Cons

Pros Cons
  • Interest-yielding account.
  • Insured by NCUA.
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic or international wire transfers.
  • No signup bonus.
  • Not FDIC-insured.
  • Only available in one state.
  • Higher than average wire transfer fees.
  • Monthly service charge.
  • Charges a fee on out-of-network ATM transactions.

DFCU checking account FAQ

Are checking accounts from DFCU Financial federally insured?

No, your DFCU Financial checking accounts are not insured by a federal insurance agency. This means that if DFCU Financial 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 DFCU checking account offer?

DFCU checking account offers an APY starting at 0.01% and ranging up to 0.02% (APY stands for annual percentage yield, rates may change).

DFCU checking account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.01% - 0.02%

What are the account minimums for DFCU checking account?

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

DFCU Perks Plus Checking Minimums
Description
Minimum Opening Deposit Starting at $20
Minimum Combined Balance to Avoid Monthly Fee $10,000
Minimum Balance to Earn APY $0

What fees does DFCU checking account charge?

This account charges a monthly service fee of up to $10.

DFCU Perks Plus Checking Fees
Description
Monthly Fee $0 - $10
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1.50
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $32
Overdraft Item Fee $32
Overdraft Protection Fee (per transfer) $5
Returned Deposit Fee (Domestic) $32
Returned Deposit Fee (International) $32
Stop Payment Fee $32
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $25
Paper Statement Fee $1
Online Bill Pay Fee $0.50
Check Copy $3
Debit Card Replacement Fee $5

Does DFCU checking account charge overdraft fees?

Yes, DFCU checking account charges a $32 fee for every overdraft. You can get overdraft protection at a cost of $5 per transaction.

What features and perks does DFCU checking account offer?

This account includes the following features:

  • Fraud monitoring - DFCU 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.
  • Mobile Banking Services - DFCU 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.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.

What is the customer support email for DFCU checking account?

The customer support email for DFCU checking account is info@dfcufinancial.com.

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Message From DFCU checking account

DFCU Perks Plus Checking, We reward your relationship. Earned interest on your checking balance.

With DFCUPerks and DFCUPerks Plus accounts, you'll enjoy added benefits that you won't find anywhere else. From cell phone protection to roadside assistance, and nearly 400,000 nationwide deals, you can expect more from your DFCUPerks and Perks Plus accounts. Best of all, signing up for a Perks account couldn't be easier. Call us to open an account online or visit your nearest branch and you can be enjoying your Perks benefits in no time.

Contact

Hours of Operation

  • Sunday Closed
  • Monday 9:00am - 5:00pm
  • Tuesday 9:00am - 5:00pm
  • Wednesday 9:00am - 5:00pm
  • Thursday 9:00am - 5:00pm
  • Friday 9:00am - 6:00pm
  • Saturday 9:00am - 1:30pm

About DFCU Perks Plus Checking

Availability

  Available in 1 state
Michigan
Availabile in all of Michigan

Feature Breakdown

Minimum Opening Deposit Starting at $20
Minimum Combined Balance to Avoid Monthly Fee $10,000
Minimum Balance to Earn APY $0
Monthly Fee $0 - $10
ATM Fee: In-Network $0
ATM Fee: Out-of-Network Starting at $1.50
Foreign Transaction Fee (Debit Card) 1%
NSF Fee $32
Overdraft Item Fee $32
Overdraft Protection Fee (per transfer) $5
Returned Deposit Fee (Domestic) $32
Returned Deposit Fee (International) $32
Stop Payment Fee $32
Wire Transfer Fee - Domestic (Incoming) $0
Wire Transfer Fee - Domestic (Outgoing) $25
Paper Statement Fee $1
Online Bill Pay Fee $0.50
Check Copy $3
Debit Card Replacement Fee $5
Immigration Status Considered
  • U.S. Citizen
  • U.S. Permanent Resident
Verification Documents Required
  • Driver License (or other photo ID)
  • Proof of Identity
  • Government Issued Photo ID
  • Social Security Number
Account Features
  • Mobile Check Deposit
  • Interest Bearing Account
  • Nationwide ATM Network
  • Mobile Banking
  • Fraud Monitoring
  • Fraud Protection
  • Debit Card
  • Insured by NCUA
  • Branch Access
  • Check Writing
Signup Bonus Starting at $0
APY (Annual Percentage Yield) 0.01% - 0.02%
(Verified 07/13/2022)

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