Checking Account

Looking for good value without sacrificing all the extra options?

Effective July 1, 2020, your ability to withdraw funds policy will have the following two beneficial changes for check holds placed in a transaction account.

  • First business day availability will increase from $200 to $225

  • Single-day check deposits increase from $5,000 to $5,525

This change excludes checks remotely deposited to a transaction account.

DFCU Checking

This account is designed for members who are looking for a good value without sacrificing all of the extra options!

  • Free e-Statements

  • Direct Deposit

  • First Box of Checks are Free

  • Online Bill Pay*

  • Payroll Deduction

  • Free Mobile App

  • Free Online Account Access

  • Free Mobile Deposit

  • No Minimum Balance Requirement

  • No Monthly Service Charge

  • Courtesy Pay/Overdraft Protection

Money Market Checking

Money Market Checking is designed for those who want a little more for their money.  In addition to the features below, you’ll earn dividends when you maintain an average daily balance of at least $2,500.

  • Free e-Statements

  • Earn Dividends

  • Online Bill Pay*

  • Payroll Deduction

  • Free Mobile App

  • Free Online Account Access

  • Free Mobile Deposit

  • First Box of Checks are Free

  • Direct Deposit

**If you choose to utilize our bill pay service, there will be a monthly fee of $6.95.

Debit Cards

A Dillard’s Federal Credit Union chip technology-enabled VISA® Debit Card lets you pay for purchases at millions of places VISA® is accepted. The purchase amount is deducted from available funds in your credit union checking account. You can also use the card to access your accounts at ATMs that display any of the logos on your check card.

Courtesy Pay/Overdraft Protection

Courtesy Pay adds a layer of protection to your personal checking account. How? Courtesy Pay may cover your insufficient funds’ items, up to a limit of $500, for a $30 fee per covered overdraft transaction.

This means that instead of returning a check to the merchant because of insufficient funds, the credit union may pay your item, saving you additional charges from the merchant. The small fee associated with Courtesy Pay protects you from receiving returned checks and NSF (Non-Sufficient Funds) fees. It also saves you the embarrassment an inadvertent overdraft can cause and helps you protect your credit rating.

You may opt-out of Courtesy Pay at any time by asking us to remove the service from your account(s).