Advantage Plus Checking

Shop local.  Save local.  Exclusive retail and local business discounts. Enjoy the same great features as our Advantage Checking account, PLUS:

• Higher Interest on Your Checking Balance
• Local discounts and national retailer deals on shopping, dining, travel, and more – powered by BaZing
• Cell phone protection^1,2
• ID theft aid^1,2
• Roadside assistance
• $10,000 Travel accidental death coverage²
• Credit & Identity Monitoring
• Bill Negotiation
• Health savings card with discounts on prescriptions, eye exams, and more
• Greenlight
• Plus Benefits:
  • Receive a .50% discount on Consumer Loans with auto-deduct
  • .25 added to Share Certificates of $25,000 or more
  • Waived foreign ATM fees with Alliance One network
  • Waived annual HELOC fee
  • $350 discount on Owner-Occupied First Mortgage closing costs
  • Only $7 a month!Waived for the first 60 days after opening.

Advantage Plus Checking accountholders can view discount offers through our Desco Advantage mobile app or by visiting our BaZing website.

Advantage Checking

If you think all checking accounts are equal, check this out!

• Free Internet Access including viewing your cancelled checks
• Free Mobile Access including mobile check deposit
• Free Online Bill Pay
• Free Telephone Access to your accounts
• Free after-hours Telephone Assistance for Online Billpay and Mobile/Online Access
• Free box of duplicate checks
• Free debit card
• Free e-Statements
• Unlimited check writing
• Greenlight
• $6 monthly service fee
  • Monthly service fee waived for members 22 years old or younger, Average Daily Balance of $500 or more, or monthly direct deposit of $500 or more (Advantage Checking only)

Essential Checking

For those who keep a lower balance.

• Free Internet Access including viewing your cancelled checks
• Free Mobile Access including mobile check deposit
• Free Online Bill Pay
• Free Telephone Access to your accounts
• Free after-hours Telephone Assistance for Online Billpay and Mobile/Online Access
• Free box of duplicate checks
• Free debit card
• Free e-Statements
• Unlimited check writing
• No interest earned
• Greenlight
• $5 monthly service fee if inactive for 6 months or more

*Free Checks for Eligible Members

As part of our commitment to supporting every stage of our members’ financial journey, DESCO Federal Credit Union is offering 2*free boxes of checks starting December 1, 2025 to all members born on or before 1/1/1960. It’s our way of saying thanks for your loyalty and for being an important part of our community.

• Members born on or before January 1, 1960, are eligible to receive two *free boxes of checks per calendar year.
• *Free check offer applies only to standard check design. Alternate or specialty designs are not included in this promotion.
• Complimentary checks are included annually with all three checking account options.
• Eligible members may request their complimentary checks by contacting their preferred branch or by phone at: 800-488-0746.

¹ Cell phone protection and personal identity protection are subject to additional terms and conditions.

² Insurance products are not a deposit, not federally insured, not an obligation or guaranteed by the Credit Union, its affiliates, or any government agency.

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