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Personal Checking

Member Advantage Checking

Shop local.  Save local.  Get extra value for your money! Enjoy the same great features as our Regular Checking account, PLUS:

  • Local discounts and national retailer deals on shopping, dining, travel, and more – powered by BaZing
  • Cell phone protection1,2
  • ID theft aid1,2
  • Roadside assistance
  • $10,000 Travel accidental death coverage2
  • Health savings card with discounts on prescriptions, eye exams, and more
  • Only $5 a month!

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

Regular 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
  • Overdraft Privilege3
  • $5 monthly fee
    • Monthly fee waived for members 22 years old or younger, Average Daily Balance of $250 or more, or monthly direct deposit of $300 or more (Regular Checking only)


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.

3 Accounts will be charged the standard Overdraft fee of $25 for handling each overdraft created by check, ACH, Point-of-Sale, ATM withdrawal, in-person withdrawal, or other electronic item that is paid and $25 for items returned. An overdrawn balance must be repaid within 35 days. We may not pay items under your Overdraft Privilege if you do not maintain your account in good standing by bringing your account to a positive balance within every thirty-five (35) day period for a minimum of 24 hours, if you default on any loan or other obligation to DESCO FCU or if your account is subject to any legal or administrative order or levy.



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