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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

Unaffiliated

in Checking Accounts from DFCU Financial

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Highlights
Monthly Fee $0 - $10
ATM Fee: Out-of-Network $1.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.01% - 0.05%

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 is available in 1 state across the USA.

Key Takeaways
  • Higher than average APY. DFCU Perks Plus Checking has an annual percentage yield of up to 0.05%, which is higher than the national average interest rate on savings accounts.
  • 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.
  • 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 0.05% (APY stands for annual percentage yield, rates may change).

DFCU checking account Rates and Terms
Rates Amount
APY (Annual Percentage Yield) 0.01% - 0.05%

What are the account minimums for DFCU checking account?

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

DFCU checking account Account Minimums
Description Amount
Minimum Opening Deposit $20
Minimum Combined Balance to Avoid Monthly Service Fee $10,000

What fees does DFCU checking account charge?

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

DFCU Perks Plus Checking Fees
Description
ATM Fee: In-Network $0
Check Copy $3
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $10
NSF Fee $32
Online Bill Pay Fee $0.50
Overdraft Item Fee $32
Overdraft Protection Fee (per transfer) $5
Paper Statement Fee $1
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
ATM Fee: Out-of-Network $1.50

Does DFCU checking account charge overdraft fees?

Yes, DFCU checking account charges a $32 fee for every overdraft.

DFCU checking account offers 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 Perks Plus Checking

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

APY Minimum Balance $0
Minimum Combined Balance to Avoid Monthly Fee $10,000
Minimum Opening Deposit Starting at $20
ATM Fee: In-Network $0
Wire Transfer Fee - Domestic (Incoming) $0
Check Copy $3
Debit Card Replacement Fee $5
Foreign Transaction Fee (Debit Card) 1%
Monthly Fee $0 - $10
NSF Fee $32
Online Bill Pay Fee $0.50
Overdraft Item Fee $32
Overdraft Protection Fee (per transfer) $5
Paper Statement Fee $1
Returned Deposit Fee (Domestic) $32
Returned Deposit Fee (International) $32
Stop Payment Fee $32
Wire Transfer Fee - Domestic (Outgoing) $25
ATM Fee: Out-of-Network $1.50
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
APY (Annual Percentage Yield) 0.01% - 0.05%

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