Checking Accounts
Important Update to Your Secure Checking Accounts:
We’re excited to share an important update with your Secure Checking and Secure Plus Checking accounts. Effective May 4, 2026, we’re enhancing your accounts with valuable new benefits:
- Secure Checking accounts will include Credit Monitoring, with daily credit file monitoring and alerts (activation/registration required).
- Secure Plus Checking accounts will include Cell Phone Protection, in addition to all the benefits you already enjoy (See Guide to Benefit for complete details of coverage and exclusions).
You will continue to have access to your fraud protection and lifestyle benefits through our new, easy-to-use Benefits Website at dcfcu.enjoymybenefits.com. You will need the Access Code provided in your New Account material. If you have any questions or would like to speak with a representative, please call us at 305-471-5080.
Secure Checking
Paying for goods and services is fast and easy through our Secure Checking Account.
- Unlimited check writing
- ID Safe Choice - Fully Managed Identity Theft Recovery* plus Identity Theft Expense Reimbursement Insurance and Credit Monitoring (activation/registration required)
- Dividends are paid on an average daily balance of $1000
- Direct Deposit and Payroll deduction
- VISA® Debit Card
- Personalize your debit card
- Free transactions at all DCFCU ATMs
- Four Free transactions monthly at Presto® ATMs (ATM surcharges may apply)
- Online Banking and Bill Pay
- Mobile Banking
*Monthly service charge: $1.99
Secure Plus Checking
Our Secure Plus Checking account includes expanded banking benefits and enhanced security features; as part of the checking account, you will enjoy the following benefits and services:
- All the same benefits of Secure Checking
- 5 Free Cashier’s Checks and Money Orders per Month
- $.05 Cash Back per Debit Card Purchase (POS and Signature Based)
- ID Safe Choice $25,000 ID Theft Expense Reimbursement Fully Managed Resolution, Identity Theft Expense Reimbursement, Credit Monitoring, Credit Score and Report, Dark Web Monitoring, High Risk Transactions Monitoring, and Cell Phone Protection.
Open Secure Plus Checking Account
Already have Secure or Secure Plus Checking?
You are entitled to benefits with ID Safe Choice (Some benefits require activation/registration). Accessing your benefits is easy! Visit dcfcu.enjoymybenefits.com. Register using the Access Code provided in your account welcome materials.
Follow the simple, step by step instructions to complete registration and activate your credit monitoring. Continue to access your benefits with the username and password you create.
**Monthly service charge: $3.99
Money Management Account
To earn a premium interest rate without tying up your cash, this easy-access account lets you enjoy complete liquidity — including access to Tellerline 24 or any of our branches. This powerful money management tool keeps your funds liquid and flexible while strengthening the earning potential of your hard-earned money. The minimum balance required to open this account is $2,500. You must maintain a minimum daily balance of $2,500 in your account to obtain the disclosed annual percentage yield. Dividends are compounded and credited to your account every month.