Desert Fusion Checking

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Are you a techno connoisseur living on the cutting edge?
Are you an active person with contemporary interests who appreciates innovation?
Would you be lost without your debit card?

With Desert Fusion Checking, you can earn rewards by simply paying attention to your spending and finessing your online banking skills. Plus, you can earn high dividends and refunded ATM fees, when you use your Desert Fusion Visa® debit card to pay for everyday necessities and must-haves, like mortgage payments or groceries. 

Desert Fusion Checking
  • No minimum balance
  • No monthly service fee1
  • Rewards: high dividends and ATM fees refunded2
  • Free Visa debit card with optional overdraft protection3
  • Unlimited check writing
  • Free Online Banking
  • Free eStatements and Alerts
  • Free online Bill Pay

How to Earn Rewards

  1. Enroll in Online Banking and eStatements.
  2. Have at least one posted Direct Deposit or other ACH debit/credit per statement cycle.
  3. Have at least 30 non-PIN posted debit card purchases per statement cycle.


You may view your number of qualifying posted debit purchases per statement cycle in Online Banking.


Members with Desert Fusion may also qualify for instant debit card issuance4; a bonus rate on savings certificates; and a .25% APR discount on consumer and home equity loan payments made automatically from this checking account, when you sign up for eStatements.

Membership eligibility is required, which includes a deposit of $25 to a Membership Savings account, as well as an initial deposit of $20. This is a credit-qualifying account.
1Effective September 20th, 2010, the Desert Fusion checking account will require account holders to have any combination of two or more of the following requirements: enrollment in eStatements, Direct Deposit, and/or a minimum of three non-PIN debit card purchases per statement cycle. A $5.00 monthly service charge will be applied to the account when the requirements aren't met. The monthly service charge will be waived for primary members under the age of 18. 
2Desert Fusion Checking is a variable rate account. Dividend Rate and Annual Percentage Yield (APY) may change after the account is opened. Rewards based on account activity and enrollment in Online Banking/eStatements. If you have 30 or more posted non-PIN debit card transactions per statement cycle, Direct Deposit (or other ACH debit/credit) and eStatements, Desert Schools will refund up to $50 in U.S. ATM fees per statement cycle. Otherwise, account holder is entitled to two free ATM withdrawals per statement cycle at PLUS®, CO-OP, and Visa® ATMs and unlimited usage at Desert Schools ATMs; $2 for each additional withdrawal.
3Overdraft protection from approved savings, money market, or line of credit.
4Designer debit cards are not available for instant issuance.

All checking accounts may be subject to a service charge in accordance with the Fee Schedule adopted by the Credit Union from time to time. The Credit Union may deny a checking account to any member because of unfavorable credit history and/or history of abuse of other checking accounts.

Equal Housing Lender Your savings federally insured to at least $250,000 and backed by the full faith and credit of the United States Government. National Credit Union Administration, a U.S.Government Agency. ©2014 Desert Schools Federal Credit Union