First-Choice Checking: An Account That Rewards Your Lifestyle
With First Choice Checking, you decide how your money works for you—cash back, interest, points, or premium perks. Every option includes no monthly fees, fraud protection, and access to thousands of free ATMs nationwide.
Account Options
Four Styles, Shared Benefits
Pick between Cash Back, Interest, Platinum, and Platinum Rewards versions of our First Choice Checking accounts when you meet the requirements listed here. All of these variations share the following perks:
Free Account
Debit Card
Online Bill Pay
No Minimum Balance
Fraud Protection
Cash Back Checking
If you love simplicity and use your debit card frequently, Cash Back Checking turns everyday purchases into real, easy rewards. There are no hidden fees or complicated point systems—just cash back for the way you already spend.
Earn 10¢ for every debit card purchase over $5, up to 40 transactions per month. You'll enjoy zero maintenance fees, a free debit card with advanced fraud protection, and access to thousands of surcharge-free ATMs nationwide.
Interest earned on this option is 0.00% APY**
Interest Checking
For members who like to keep a little more in their account, Interest Checking offers a smart way to grow your balance while keeping total flexibility. You'll earn a competitive 0.50% APY** on balances up to $10,000, plus ATM fee refunds up to $25 per month, so you can bank anywhere without worrying about fees.
There's no minimum balance requirement to earn interest, and free online Bill Pay is included to help you manage your monthly finances with ease. It's the perfect everyday account for steady growth and full convenience.
Platinum Checking
Premium Perks and High‑Yield Returns
When you maintain higher balances and want the best DFCU has to offer, Platinum Checking delivers top-tier value. Earn 1.00% APY** on balances up to $10,000, enjoy exclusive identity theft protection, and qualify for a Platinum credit card*.
This account includes all First Choice benefits plus protections designed for peace of mind. It's checking that goes beyond everyday banking to offer real financial confidence.
Platinum Rewards Checking
Double the Value, One Account
This combines the benefits of checking and credit rewards in one powerful account. Each dollar you spend using a Platinum Rewards Credit Card earns 1 reward point, redeemable for cash back, travel, or merchandise.
At the same time, your checking balance earns 0.50% APY** on balances up to $10,000, giving you two ways to build value. This style of checking also comes with a Platinum Rewards credit card, along with ID Theft Protection.
How to Qualify
In order to qualify for a First Choice Checking Account, members are required to do the following during each qualification cycle (for the schedule, see the next section):
Receive at least one direct deposit
10+ debit or credit card purchases completed
and posted within each qualification cycle
eStatements enrollment
Valid email address on file
2026 Qualification Cycles
Monthly Qualification Cycles
| Product Name | Notes |
|---|---|
| January | 1/1/26 to 1/31/26 |
| February | 2/1/26 to 2/28/26 |
| March | 3/1/26 to 3/31/26 |
| April | 4/1/26 to 4/30/26 |
| May | 5/1/26 to 5/30/26 |
| June | 5/31/26 to 6/30/26 |
| July | 7/1/26 to 7/31/26 |
| August | 8/1/26 to 8/31/26 |
| September | 9/1/26 to 9/30/26 |
| October | 10/1/26 to 10/31/26 |
| November | 11/1/26 to 11/30/26 |
| December | 12/1/26 to 12/31/26 |
The monthly qualification cycle is subject to change without notice.
Your Finances Deserve More
First Choice Checking is designed to adapt to your lifestyle. Whether you want cash back on daily swipes, interest on balances, or rewards points for future goals, your checking account finally works as hard as you do. Join 85,000+ members who already benefit from checking that pays.
Become a Member Today
Church members and immediate family members can join the credit union.
*On Approved Credit. **Rates quoted as Annual Percentage Yield. The APY applies to balances beginning at $.01. Fees could reduce earnings.