Take advantage of the latest Desert Financial Credit Union promotions, bonuses and offers!
Update 4/23/24: The $100 referral is back! Refer friends and family to open a new checking account and earn $100 per referral! There is also a $200 checking bonus with a new account with direct deposit.
About Desert Financial Credit Union Promotions
Being the largest credit union in Arizona, Desert Financial Credit Union knows how to design accounts to fit your every need. With industry leading Money Market Rates as well as competitive CD Certificates, you will be able to have an account that boasts an A+ health rating!
| Eligibility: Membership is open to those who live, work, attend school or worship in Gila, Maricopa or Pinal Counties or immediate family of those eligible. Check out the membership eligibility for more information. |
I’ll review the current offers below.
Desert Financial Credit Union $200 Checking Bonus
- What you’ll get: $200 bonus
- Account Type: Checking Account
- Availability: AZ
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: Unknown
- Monthly Fees: None
- Early Account Termination Fee: None
- Household Limit: None
(Limited time offer)
| BMO Relationship Checking ($500 Bonus + $100 digital gift card) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | Fifth Third Bank Preferred Checking ($400 bonus) |
| HSBC Premier Checking (Up to $2,500 Cash Bonus), | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Open a Free Checking account and a Membership Savings account.
- Establish a direct deposit of $1,000 or more (in a single deposit).
- Enroll in eStatements.
- To qualify, be sure to fulfill these requirements within 60 days of opening your account.
- Offer Requirement: Must open accounts online by following the promotional link above or mention this promotion when opening in branch or over the phone to be eligible.
- New Member Promotion Eligibility: Offer available only to new Desert Financial Credit Union (DFCU) members who are 18 years of age or older, have a valid U.S. Taxpayer Identification number or Social Security Number and meet DFCU’s membership eligibility and credit qualification requirements. See our Statements of Terms, Conditions and Disclosures for further information regarding membership eligibility and account details. Existing primary account owners or primary account owners who have closed their membership within the past 12 months and existing Joint account owners of an open checking or savings share are ineligible to receive promotional new account bonus. Employees of DFCU, its subsidiaries, affiliates, or agencies and their immediate family (including spouse, parents, siblings, children, grandparents or grandchildren) are not eligible. Offer valid for a limited time, cannot be combined with any other account opening offer and is subject to change.
- Bonus Eligibility: To receive the $200 bonus new member must open a Membership Savings with a minimum balance requirement of $25 and a checking account in addition to meeting the following two requirements within the first 60 calendar days of account opening – 1) Establish and receive a minimum direct deposit of at least $1,000 in a single deposit and 2) Register for Online Banking and enroll in eStatements. New accounts must be open and cannot be delinquent by more than 30 days at time of bonus payment. Bonus will be deposited into the qualifying checking account no later than 10 business days in the month following the end of the first 60 calendar day period if qualifications are met. Cash bonus earned is subject to all applicable taxes, is the responsibility of the member and will be reported on IRS Form 1099-INT.
Desert Financial Credit Union $200 Checking Bonus
- What you’ll get: $200 bonus
- Account Type: Checking Account
- Availability: AZ
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: Unknown
- Monthly Fees: None
- Early Account Termination Fee: None
- Household Limit: None
(Limited time offer)
| BMO Smart Money Checking ($250 cash bonus + $100 digital gift card) | BMO Smart Advantage Checking ($250 bonus + $100 digital gift card) |
| Bank of America ($300 bonus offer) | Chase Total Checking® ($300 bonus) |
| Fifth Third Bank Momentum® Checking ($400 bonus) | SoFi Checking and Savings ($325 bonus) |
| KeyBank Key Smart Checking ($300 bonus) | Truist Checking ($400 bonus) |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Open a Free Checking account.
- Establish a direct deposit of $500 or more (in a single deposit).
- Enroll in eStatements.
- Complete a minimum of 10 Desert Financial account transactions.
- To qualify, be sure to fulfill these requirements within 60 days of opening your account.
- Promotion Eligibility: To be eligible for offer bonus, new member must open accounts online by following the promotional link provided or mention this promotion while opening in branch or over the phone. New member must not already be the primary or joint owner of an existing account at Desert Financial Credit Union (DFCU) or have been the primary owner of an account at DFCU within the past 12 months. New member must be the primary account holder, be 18 years of age or older, meet Desert Financial’s membership eligibility and credit qualification requirements and establish a Membership Savings with a minimum balance of $25 and Checking account. Employees of DFCU, its subsidiaries, affiliates, or agencies and their immediate family (including spouse, parents, siblings, children, grandparents or grandchildren) are not eligible for bonus offer. Bonus amount is subject to all applicable taxes and is the responsibility of the member. Offer cannot be combined with any other account opening offer and is subject to change without notice.
- Cash Bonus Eligibility: New checking must meet the following three requirements within the first 60 days of membership – 1. Establish and receive a minimum direct deposit of at least $500, 2. Must enroll in eStatements and 3. Have a minimum of 10 transactions (not including fees assessed by DFCU) posted to the new checking account. New accounts must be open and cannot be delinquent (by more than 30 days) at time of bonus payment. Bonus will be deposited into the qualifying checking account no later than 10 business days in the month following the end of the first 60-day period if qualifications are met.
Desert Financial Credit Union $100 Referral Bonus
- What you’ll get: $100 bonus
- Account Type: Checking Account
- Availability: AZ (Bank Locator)
- Direct Deposit Requirement: Yes (see what works)
- Credit Inquiry: Soft Pull
- ChexSystems: Unknown
- Credit Card Funding: Unknown
- Monthly Fees: None
- Early Account Termination Fee: Unknown
- Household Limit: Referrals limited to five per member
Here’s an alternative link to the offer.
(NCUA Insured)
| BMO Relationship Checking ($500 Bonus + $100 digital gift card) | KeyBank Checking ($300 bonus) |
| Chase Private Client ($3,000 Bonus) | Fifth Third Bank Preferred Checking ($400 bonus) |
| HSBC Premier Checking (Up to $2,500 Cash Bonus), | |
How To Earn Bonus
HOW TO EARN BONUSFINE PRINT
- Spread the word about Desert Financial and you could earn an extra $100!
- To qualify, your friend just needs to:
- Be a new member with no existing or open accounts in the last 12 months and open a Membership Savings with a minimum balance requirement of $25 and a Free Checking account.
- Receive at least one direct deposit into a new checking account within 90 days.
- Perform at least 30 posted checking account transactions within 90 days.
- Offer Requirements: New Member (Friend) must either open accounts online by following the promotional link within the referral email sent by the Referring Member, mention this promotion at the time of account opening over the phone or present a completed Refer-A-Friend Referral Form at the time of account opening in branch to be eligible. Referring Member and Friend cannot begin credit union membership on the same day.
- New Member Promotion Eligibility: Offer available only to new Desert Financial Credit Union (DFCU) members who are 18 years of age or older, have a valid U.S. Taxpayer Identification number or Social Security Number and meet DFCU’s membership eligibility and credit qualification requirements. See our Statements of Terms, Conditions & Disclosures for further information regarding membership eligibility and account details. Existing primary account owners or primary account owners who have closed their membership within the past 12 months and existing Joint account owners of an open checking or savings share are ineligible to receive promotional Refer-A-Friend bonus. Employees of DFCU, its subsidiaries, affiliates, or agencies and their immediate family (including spouse, parents, siblings, children, grandparents or grandchildren) are not eligible. Offer valid for a limited time, cannot be combined with any other account opening offer and is subject to change.
- Bonus Eligibility: New Member and Referring Member must meet the following requirements to receive cash bonus. New Member: Must open a Membership Savings with a minimum balance requirement of $25 and a checking account in addition to meeting the following two requirements within the first 90 calendar days of account opening – 1) Have a minimum of 30 transactions (not including fees assessed by DFCU) posted to the new checking account and 2) Establish and receive a direct deposit. New accounts must be open and cannot be delinquent by more than 30 days at time of bonus payment. Referring Member: Must be at least 18 years of age at time of referral and must be the primary owner of an open and active Membership Savings, opened prior to the account opening date of the New Member account. Bonuses will be deposited into the New Members qualifying checking account and the Referring Members Membership Savings account no later than 10 business days in the month following the end of the first 90-day period if qualifications are met. Cash bonus earned is subject to all applicable taxes, is the responsibility of the member and will be reported on IRS Form 1099-INT.
How To Waive Monthly Fees
- Free Checking: None
- Business Checking: $8 monthly fee, waivable
- Business Checking Plus: $12 monthly fee, waviable
- Business Analysis Checking: earnings credits can be used to offset a portion (or all) of your monthly fees.
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Bottom Line
All in all, the current promotion from Desert Financial Credit Union is a great offer to take advantage of. However, I would definitely keep in mind of the fine print as well as whether the promotion triggers a soft pull or not.
While you can definitely take advantage of the bonus, definitely check out our list of promotions from Citi, Huntington, HSBC, Chase, TD, Discover Bank, Axos Bank, PNC Bank, BMO Harris, SoFi, Bank of America, Wells Fargo, and more.
With that said, I would definitely recommend this promotion for those who qualifies! If you would like to see more, check out our full list of Bank Promotions for all your banking needs.
