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Secure everyday spending
Use your Visa® debit card with confidence. Enjoy the convenience of contactless payments, fraud alerts, and Zero Liability Protection⁴ for added security.
A truly free checking account you can trust
No hidden fees. No minimum balance. No surprises.
Open your account today!You work hard for your money. You shouldn’t have to pay just to access it
Free Checking¹
No monthly fees. No minimum balance. Just simple, straight forward banking
Digital banking
Check balances, move money, and stay in control anytime from your phone or computer.
Early direct deposit²
Easily enroll through online banking or our mobile app and receive your paycheck up to two days early. It’s that easy!
Refer a friend and earn $100³
You and your friend can each receive $100 when requirements are met.
Round up and save
We round up your debit card purchases to the nearest dollar and deposit the change directly into your savings.
Easy access to ATMs
Use more than 30,000 CO-OP ATMs nationwide with no additional fees.
Free Checking: transparency, not hidden fees*
 |
Bank of America |
Chase |
Wells Fargo |
|
|
Monthly service fees |
$0 |
Up to $12 |
Up to $12 |
Up to $10 |
|
Minimum opening deposit |
$0 |
$100 |
$0 |
$25 |
|
Relationship Rewards |
✓ |
*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.
Your partner in identity protection
Stay one step ahead of potential threats to your personal information with affordable identity protection solutions that help prevent and detect identity theft before it happens—and repair the damage if it does.
