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.

When you are enrolled in Premium Overdraft coverage for your checking account, the check or e-check transactions made using your checking account number and automatic bill payments are covered.

When you are enrolled in Premium Overdraft Plus coverage for your checking account, and you opt in, your Debit Card point of sale purchases and withdrawals are covered.

Whether you need to use your ATM/Debit Card and don’t have enough available money in your account to cover the charges, or you are using your ATM/Debit Card and you are declined when you are settling your bill at the store or restaurant.

Opting in ensures that your Debit Card point-of-sale purchases and ATM transactions are processed without interruption or being declined due to insufficient funds in your account.

There is no limit to the total fees we can charge you for overdrawing your account.

Simply call the Member Service Center at 888.336.2700 to open a Kids account. You’ll need one of the following types of ID listed below:

• State ID
• U.S. passport
• Driver’s license
• School ID with photo and either birth certificate or Social Security card
• School ID without photo, birth certificate and Social Security card

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.

Report it immediately. The faster you act, the better protected you are. During business hours, call Member Services at 888.336.2700. After hours, call 833.448.0024. You can also log in to Anywhere Banking (DFCU’s online or mobile banking) to temporarily freeze your card while you sort things out. Once reported, your card will be deactivated, and a replacement will be issued. DFCU’s debit Mastercard® includes Zero Liability Protection, which means you won’t be responsible for unauthorized purchases made after you report the card lost or stolen.

Yes. DFCU is federally insured by the National Credit Union Administration (NCUA), a U.S. Government Agency. Member deposits are insured up to at least $250,000 per account owner, backed by the full faith and credit of the United States Government – the same level of federal protection as FDIC-insured banks.

What is DFCU Financial Cash Back?

Cash Back is DFCU Financial’s way of sharing profits directly with the members who make the credit union strong. Each year, eligible members receive a deposit straight into their account — no application, no redemption, no catch. DFCU Financial has paid Cash Back every year since 2007, returning more than $511 million to members over 20 years.

Am I eligible for Cash Back?

Eligibility depends on your age (as of December 31 of the prior year) and your average yearly loan and/or deposit balance with DFCU Financial:

• Members 26 and older: average yearly balance of at least $5,000
• Members 18–25: average yearly balance of at least $1,000
• Members 0–17: average yearly balance of at least $100

You must also be a member on the Cash Back deposit date to receive your payout.

What is Early Pay?

Early Pay gives you access to eligible direct deposits as soon as DFCU Financial receives them, often up to two days before your scheduled payday. It’s not a loan and there’s no fee. It’s simply your money, available sooner.

How it works:

Early Pay is automatic for eligible deposits, so there’s nothing extra to enroll in once your direct deposit is set up. When your employer/administrator sends your deposit to DFCU early, we make the funds available after the payment is processed.  Timing can vary. Deposits depend on when your employer/administrator submits the payment file, and weekends or holidays may delay availability.

Getting started is easy:

Open a DFCU Financial retail checking or savings account and set up a payroll direct deposit.

Provide your employer/administrator with the completed direct deposit form. You will need to provide the DFCU Financial routing number, which is 072486791, and your checking account number.

With Early Pay, your money can be ready when you need it – helping make payday feel a little closer

*Early Pay – You may receive a direct deposit up to two days early with Early Pay if you have a retail checking or savings account with us and a recurring qualifying direct deposit up to $10,000. Early access to direct deposit funds depends on the timing of the submission of the payment file from the payer/administrator.