Desert Financial account fees
Desert Financial Credit Union prints Free Checking with no monthly service fee. The personal fee schedule says it is current as of 12 May 2026. Desert Safe Spend is $4.95 a month. An overdraft fee is $30. The wider table is US overdraft fees by bank.
Last updated: October 26, 2026
Last checked: Oct 2026
Monthly fee by account
Opened 26 October 2026. The Free Checking page says there is no monthly service fee and no minimum balance. Its comparison table prints a monthly service fee of $0. A disclosure on that page says Free Checking is free, and fees for additional services may still apply. The fee schedule does not print a Free Checking row. It prints Desert Safe Spend at $4.95 a month. That fee is waived with $250 or more in total qualifying direct deposits per month, or for active ASU or NAU students and employees. Footnote 1 says a qualifying direct deposit is an electronic deposit of income through the ACH network. Transfers between accounts, mobile check deposits, incoming Zelle payments, and branch or ATM deposits do not qualify.
A money market low balance fee is $15, waived with a $2,000 minimum daily balance. That fee does not apply to a Jumbo Money Market Account. A monthly inactive sub-account fee is $5. Footnote 2 waives it for primary members under age 22. Footnote 4 waives it for deployed military. The schedule also waives it for Membership Savings or Business Membership Savings when the account has other active sub-accounts or an aggregate deposit balance of $200 or more, and for other checking, savings, or money market sub-accounts when the share deposit balance is $200 or greater. Closing a sub-account within 90 days is $25. The reading guide is US bank fee guides. The line on your own statement is the one that counts. Upload it on the upload page. The PDF stays on your device. Expenvo lists the lines. It does not call the institution.
| Account | Monthly charge | What the page also prints |
|---|---|---|
| Free Checking | No monthly service fee | No minimum balance. Other service fees can still apply |
| Desert Safe Spend | $4.95 | $250 in qualifying direct deposits, or active ASU or NAU students and employees |
| Money market | $15 low balance fee | Waived at a $2,000 minimum daily balance. Not Jumbo Money Market |
Overdraft, ATM, and wires
The NSF section of the fee schedule prints an overdraft fee of $30. Footnote 3 says a consumer sub-account is charged no more than four overdraft fees per processing day. That cap does not apply to business sub-accounts. An overdraft protection transfer is free. A returned same maker check is $35. That row is not the overdraft fee.
A balance inquiry at a non-Desert Financial ATM is $1. An ATM transaction is $2. The next line says in excess of two per statement period. Footnote 8 waives both rows for Rewards and Rewards+ members. The schedule does not print a debit card foreign purchase percent.
Incoming wire is $10, waived for Rewards+ members. Outgoing domestic wire is $20. Outgoing international funds transfer is $60. A wire trace is $10, and footnote 5 says additional third party fees may apply. A stop payment is $35, waived for Rewards and Rewards+ members. The monthly list is US monthly checking fees by bank. ATM rows for other banks are on US ATM fees by bank. A yearly total from numbers you type is on the bank fee calculator. It does not look up this institution.
Questions
- How much is Desert Financial Free Checking a month?
- The Free Checking page prints no monthly service fee. Its comparison table prints $0. The fee schedule current as of 12 May 2026 prints Desert Safe Spend at $4.95, waived with $250 or more in qualifying direct deposits in a month, or for active ASU or NAU students and employees.
- How much is a Desert Financial overdraft fee?
- The same schedule prints $30. A consumer sub-account is charged no more than four overdraft fees per processing day. An overdraft protection transfer is free.
- How much is a Desert Financial wire?
- Incoming is $10, and that fee is waived for Rewards+ members. Outgoing domestic is $20. An outgoing international funds transfer is $60.