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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
Highlights
Monthly Fee $0 - $10
ATM Fee: Out-of-Network $1.50
Minimum Balance to Avoid Monthly Fee N/A
APY (Annual Percentage Yield) 0.05% - 0.1%

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
  • Low APY. The maximum annual percentage yield for this account is only 0.1%, and you must keep a minimum balance of $1.
  • Charges a monthly fee. This account charges a monthly maintenance fee of up to $10.
  • Small minimum initial deposit. You only need $20 to open an account.
  • Hard credit pull. DFCU Financial may require a hard pull on your credit report to open a checking account.
DFCU Perks Plus Checking Pros & Cons
Pros Cons
  • Cell phone protection up to $400.
  • Up to $80 for Roadside Assistance
  • Travel Accident Death Coverage
  • ID theft Aid. Up to $2500 to cover expenses incurred to restore your identity.
  • Interest-yielding account.
  • Access to physical branches.
  • Free debit card
  • Access to a nationwide network of ATMs.
  • No charge on incoming domestic or international wire transfers.
  • High balance requirement to avoid a monthly fee.
  • Low APY
  • 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 Perks Plus Checking 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 Perks Plus Checking offer?

DFCU Perks Plus Checking offers an APY starting at 0.05% and ranging up to 0.1% (APY stands for annual percentage yield, rates may change). However, to earn interest you must keep a minimum balance of $1.

DFCU Perks Plus Checking Rates and Terms
Rates Amount
APY (Annualized Percentage Yield) 0.05% - 0.1%

What are the account minimums for DFCU Perks Plus Checking?

DFCU Perks Plus Checking requires a minimum initial deposit of $20 to open an account.

DFCU Perks Plus Checking Account Minimums
Description Amount
Minimum Initial Deposit $20
APY Minimum Balance $1
Minimum Combined Balance to Avoid Monthly Fee $10,000

What fees does DFCU Perks Plus Checking charge?

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

DFCU Perks Plus Checking Fees
Description
Monthly Fee $0 - $10
Paper Statement Fee $1
ATM Fee: In-Network $0
ATM Fee: Out-of-Network $1.50
NSF Fee $32
Overdraft Protection Fee (per transfer) $5
Overdraft Item Fee $32
Early Account Closure N/A
Returned Deposit Fee (Domestic) $32
Debit Card Replacement Fee $5
Bank Teller Fee N/A
Check Cashing Fee N/A
Online Bill Pay Fee $0.50
Stop Payment Fee $32
Check Image Service N/A
Check Copy $3
Foreign Transaction Fee (Debit Card) 1%
Wire Transfer Fee - Domestic (Outgoing) $25
Wire Transfer Fee - International (Outgoing) N/A
Wire Transfer Fee - International (Incoming) N/A
Returned Deposit Fee (International) $32
Wire Transfer Fee - Domestic (Incoming) $0
ATM Reimbursement Monthly Limit N/A

What features and perks does DFCU Perks Plus Checking offer?

This account includes the following features:

  • Mobile Banking Services - DFCU Perks Plus Checking allows you to manage your money online. This includes depositing checks in your account with your smartphone.
  • Nationwide ATM network - Conveniently transact at a nearby ATM.
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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
  •   400 Town Center Dr.
    Dearborn, MI 48126
  •   Visit Site

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 $1
Minimum Combined Balance to Avoid Monthly Fee $10,000
Minimum Initial Deposit $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
Bank Account Features
  • Check Writing
  • Branch Access
  • NCUA Member
  • Debit Card
  • Fraud Protection
  • Mobile Banking
  • Nationwide ATM Network
  • Interest Bearing Account
  • Mobile Check Deposit
APY (Annual Percentage Yield) 0.05% - 0.1%

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