Experience life and money in balance. Get Free Checking with no hidden fees.
Rewards program
The more you do with us, the more perks you get, like an annual cashback bonus and rate discounts!
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Early direct deposit
Get paid up to two days early and get a head start on bills or weekend plans.
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Easy ATM access
Enjoy the convenience of over 50 locations and 30,000+ Co-op surcharge-free ATMs.
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Round up and save
Automatically round up purchases to the nearest dollar and deposit the difference into savings.
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Refer-A-Friend
Get an extra $100 each for you and a friend after meeting referral requirements.
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Unlike some big banks, we don’t make you earn “free” checking. Ours just is.
$0
Desert Financial
$288
Chase
$336
Bank of America
$240
Wells Fargo
No. Some financial institutions require a certain number of deposits or debit card purchases each month to avoid fees — but we don’t. You’re free to use your account as often or as little as you’d like, without penalty.
No. There are no monthly maintenance fees and no fees for not using your account. Whether you’re actively spending or just letting your money sit, you won’t be penalized.
No. You won’t pay any fees based on how often you use your card or how many transactions you make. We think managing your money should be on your terms — not tied to avoiding fees.
Many banks add fees if your balance drops too low, you don’t make enough transactions or have infrequent deposits. We don’t.
*Fee comparisons provided are based on publicly available information and reflect standard monthly service fees for basic checking accounts at the financial institutions shown. Actual fees may vary depending on account type, balance requirements or other conditions. Desert Financial’s Free Checking account has no monthly service fee. This comparison is intended for informational purposes only and does not constitute an endorsement or affiliation with the other institutions identified.
Not sure how credit unions differ from banks — or how to join one? Our blog clears up the confusion, busts common myths and explains how member ownership, lower loan rates and NCUA insurance can strengthen your finances — and protect your peace of mind.
24/7 access: Enjoy the convenience of managing your money anytime, anywhere.
Lock and unlock your debit card: Have peace of mind if your card is misplaced.
Financial well-being tools: Take charge of your finances with tools like a savings goal manager and a financial health quiz.
Mobile check deposits: Save time and hassle.
