CASH BACK CHECKINGThe Account that Pays You Back
Earn up to 7.00% APY* by using your account the way you already do.
Choose the Checking Account That’s Right for You
Cash Back Checking
Earn more from everyday banking. Get rewarded with annual Cash Back* just for using your account.
Open an Account
Simplicity Checking
Discover a simple account with the essentials you need and no surprises.
Open an Account
Cash Back Checking Earn more from everyday banking. Get rewarded with annual Cash Back* just for using your account. |
Simplicity Checking Discover a simple account with the essentials you need and no surprises. |
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|---|---|---|
| Best For | Earning rewards & higher balances |
Simple, low-maintenance, everyday use |
| Interest | 7.00% APY** on first $10,000* |
None |
| Monthly Requirements | 10 Debit purchases & eDocs & $500 direct deposit |
None |
| Monthly Fee | $5 (waived with $5,000 avg. balance) |
$5 (waived with any of the following)
|
| ATM Access | 1,700+ in Michigan, 1,200+ in Florida, and more than 35,000 nationwide |
1,700+ in Michigan, 1,200+ in Florida, and more than 35,000 nationwide |
| Minimum Opening Deposit | $20 |
$20 |
| Cash Back Program |  |
|
| Debit Card | |
|
| Anywhere Banking | |
|
| Additional Perks | Free money orders & cashier’s checks |
Simple, low-maintenance structure |
| Open an Account | Open an Account |
Cash Back Checking
Earn more from everyday banking. Get rewarded with annual Cash Back* just for using your account.
Learn More| Best For | Earning rewards & higher balances |
|---|---|
| Interest | 7.00% APY** on first $10,000* |
| Monthly Requirements | 10 Debit purchases & eDocs & $500 direct deposit |
| Monthly Fee | $5 (waived with $5,000 avg. balance) |
| ATM Access | 1,700+ in Michigan, 1,200+ in Florida, and more than 35,000 nationwide |
| Minimum Opening Deposit | $20 |
| Cash Back Program | |
| Debit Card | |
| Anywhere Banking | |
| Additional Perks | Free money orders & cashier’s checks |
Simplicity Checking
Discover a simple account with the essentials you need and no surprises.
Learn More| Best For | Simple, low-maintenance, everyday use |
|---|---|
| Interest | None |
| Monthly Requirements | None |
| Monthly Fee | $5 (waived with any of the following)
|
| ATM Access | 1,700+ in Michigan, 1,200+ in Florida, and more than 35,000 nationwide |
| Minimum Opening Deposit | $20 |
| Cash Back Program | |
| Debit Card | |
| Anywhere Banking | |
| Additional Perks | Simple, low-maintenance structure |
**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.
Smart Banking for the Next Generation
Set your child up for financial success. Our youth accounts teach kids and teens how to save, spend, and manage money — with the guidance and tools to do it confidently.
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Checking accounts for ages 10–17
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Savings options for ages 12–17
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Tools to build financial confidence
Puppy Post — Download this season’s quarterly newsletter for kids filled with activities, games, and more to teach financial literacy.
Convenience You Can Count on With Debit Mastercard®
Discover simple, secure spending. Your DFCU debit Mastercard® makes everyday spending simple, secure, and convenient.
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Mastercard® Zero Liability Protection
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Contactless payments for faster checkout
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Built-in fraud monitoring for added security
Simple, Secure Check Ordering
Skip the branch and get the checks you need fast — reorder online anytime, from anywhere.
Get Paid Faster With Direct Deposit
Automatically deposit your paycheck, benefits, or other income so your money is available when you need it.
Your Home Has
More to Give
Use your home’s equity when you need it, with flexible access and competitive rates that work for you.
Frequently Asked Questions
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Bank Smarter With These Solutions
Support You Can Count On
Whether you’re ready to join or just have questions, our team is here to help you move forward with confidence.
Financial Wellness Tips & Tools
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*While the DFCU Financial Board of Directors intends to pay Cash Back every year, and has done so since 2007, Cash Back is not guaranteed and will depend on our financial performance and other factors. Annual Cash Back payments are limited to an aggregate of $10,000 for each tax-reported owner. The IRS requires that Cash Back for an IRA be paid to the same IRA, and that it be open when Cash Back is deposited. Cash Back to Commercial / Business Banking members is subject to additional terms. Anyone who causes DFCU Financial a loss for any reason is not eligible for Cash Back.
