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Checking Accounts That Work for You

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At DFCU Financial, we believe banking should be simple, transparent, and rewarding. Whether you’re looking to earn serious cash back or just want a hassle-free way to manage your money, we’ve got the perfect checking account for you.

Cash Back Checking - The Account that Pays You Back

Earn up to 5.00% APY* by using your account the way you already do.

Make your money work harder. With Cash Back Checking, you can earn an impressive bonus of 5.00% APY* on your first $10,000 – and it’s not a promo rate! Just meet these three easy requirements each month.

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Make 20 debit card purchases

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Enroll in eDocuments

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Setup $500 in direct deposits

Even if you don’t hit the criteria, you’ll still earn 0.02% APY* on your balance. If you do, balances over $10,000 will earn 0.02% APY.* You can easily monitor your progress in the online banking app.

Cash Back Checking Account Features:

  • Open with just $20
  • $5 monthly fee, waived with a $5,000 average daily balance
  • 0.02% APY* with option to earn 5.00% APY* on first $10,000
  • Eligible for annual Cash Back dividend
  • Free money orders & cashier’s checks
  • Debit card with contactless “tap & pay” capability
  • Anywhere Banking
  • 1,700 fee-free ATMs in Michigan, and nearly 30,000 nationwide, via the CO-OP ATM Network

Simplicity Checking – Banking Made Easy

Sometimes, less is more. Simplicity checking is the hassle-free account for you.

Simplicity Checking Account Features:

  • Open with just $20
  • $5 month fee easily waived
    • Maintain a $100 average daily balance OR make 5 (five) debit card purchases per month
    • If you’re age 21 or under 
    • If you're age 56 or over
  • Eligible for annual Cash Back dividend
  • Debit card with contactless capability “tap & pay”
  • Anywhere Banking
  • 1,700 fee-free ATMs in Michigan, and nearly 30,000 nationwide, via the CO-OP ATM Network

Open Your Account Today

Get started in minutes.  Visit your nearest DFCU Financial branch or open your account online today. 

Open an Account

FAQ

It's easy! Simply call 888.336.2700 or visit your nearest branch and let us know you'd like a Cash Back Checking account. Your account number will remain the same and no new debit card is needed.

A debit card transaction can include swiping the debit card at checkout, tapping at a gas pump, online purchases, digital wallet purchases, or even automatically recurring payments.

Card usage to obtain cash at an ATM does not count as a debit card transaction. 

*APY = Annual Percentage Yield. Paid and Compounded Monthly. Fees could reduce account dividend earnings. Dividend rate may change after the account is opened. $20 minimum required to open a Checking Account. Deposit account balance may increase your Cash Back. DFCU Financial deposit products are insured by the NCUA.