Dfcu FinancialChecking accountChecked Oct 10, 2026Updated
Dfcu Financial Cash Back Checking
7.00%APY · as of Oct 10, 2026
- A year for an everyday customer
- −$60 fees and interest, $2,000 kept
- Monthly fee
- $5 a month
- To open
- $20 to open
- On our list
- #482 of 986 checking accounts, by a year’s value for an everyday customer
Visit Dfcu FinancialThe bank’s own page · checked Oct 10, 2026
Rates by balance
| Balance | APY |
|---|---|
| $0 to $10,000 | 7.00% |
| $10,000.01 and up | 0.02% |
Source: the bank’s rates · as of Oct 10, 2026
Rate conditions
- To earn the APY
- Make 10 debit card purchases
- Enroll in eDocuments
- Setup $500 in direct deposits
- APY when those aren’t met
- 0.02%Source · checked Oct 10, 2026
- APY paid on balances up to
- $10,000Source · checked Oct 10, 2026
- Interest compounds
- Paid and Compounded MonthlySource · checked Oct 10, 2026
Fees
- Monthly fee
- $5 a monthSource · checked Oct 10, 2026
- Minimum to open
- $20Source · checked Oct 10, 2026
- Overdraft fee
- $32Source · checked Oct 10, 2026
- Returned item (NSF) fee
- $32Source · checked Oct 10, 2026
- Overdraft transfer fee
- $5Source · checked Oct 10, 2026
- ATM network
- 1,700 fee-free ATMs in Michigan, and nearly 30,000 nationwide, via the CO-OP ATM NetworkSource · checked Oct 10, 2026
- ATMs in the network
- 30,000Source · checked Oct 10, 2026
- Out-of-network ATM fee
- $2Source · checked Oct 10, 2026
- Foreign transaction fee (debit card)
- 1%Source · checked Oct 10, 2026
- Incoming domestic wire
- NoneSource · checked Oct 10, 2026
- Outgoing domestic wire
- $25Source · checked Oct 10, 2026
- Paper statements
- $2 a monthSource · checked Oct 10, 2026
- Inactivity fee
- $6Source · checked Oct 10, 2026
- Cashier’s check
- $1Source · checked Oct 10, 2026
- Stop payment
- $32Source · checked Oct 10, 2026
- Card replacement
- $5Source · checked Oct 10, 2026
Who can open it
- Membership
- Membership required:
- Live, work, worship, or attend school anywhere in Michigan’s Lower Peninsula, or live or work in select counties in Florida
Features
Contactless cardDebit cardEarly direct depositInterest bearingOnline opening
From the bank’s own pages. A feature not listed may still be offered: we list only what the bank states.
Rates and fees change; the bank’s own page is the final word. Report a mistake · How we make money · Not stated: 1 item counted at typical fees