Our Checking Accounts

Dillard’s Federal Credit Union offers two types of checking accounts to meet our members’ needs. Both accounts come with a free ATM or debit card that can be used at thousands of surcharge-free ATMs nationwide!

DFCU Checking

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

  • Free eStatements
  • Direct Deposit
  • First Box of Checks are Free
  • Online Bill Pay*
  • Payroll Deduction
  • Free Online Account Access
  • No Minimum Balance Requirement
  • No Monthly Service Charge
  • Courtesy Pay/Overdraft Protection

 

Debit Cards

A Dillard’s Federal Credit Union Mastercard Checkcard lets you pay for purchases at millions of places Mastercard 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 checkcard.

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 $2,500.00.

  • Free eStatements
  • Earn Dividends
  • Online Bill Pay*
  • Payroll Deduction
  • Courtesy Pay/Overdraft Protection
  • Free Online Account Access
  • Direct Deposit
  • First Box of Checks are Free

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

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 $500.00, for a $30.00 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).