Is Desert Financial Credit Union in your plan? It depends on your state and paydays. Four questions, about a minute.
See if it's in my planFree Checking (new membership)
- Bonus
- $200
- To qualify
- A $1,000+ direct deposit within 60 days + turn on e-statements
- What counts as a direct deposit
- Real payroll, pension or government benefit deposits. Transfers from your other bank accounts, Zelle and Venmo don't count. More
- Who can open it
- Residents of Arizona, online
- Monthly fee
- None
- When the bonus is paid
- 92 to 135 days after you open the account
- Keep it open
- At least 90 days, or the bank charges a $25 early-closing fee
- Past customers
- Desert Financial Credit Union's terms: "Existing account owners (primary or joint) and primary owners of a membership closed within the past 12 months are ineligible."
Good to know: One direct deposit of $1,000 or more within 60 days, plus e-statements. Paid early in the month after day 90. Closing within 90 days costs $25.
Desert Financial membership is open to anyone who lives, works, worships, volunteers or attends school in Arizona.
Checked against Desert Financial Credit Union's own terms on October 26, 2026.