Sound too good to be true? Here's how it works:

• No minimum balance required.
• Earn a CD-like rate, currently 2.25% APY*, on balances up to $25,000.
• Earn 0.40% APY* on balances over $25,000.
• Nationwide ATM refunds of up to $25 per monthly qualification cycle. That's in addition to the over 25,000 nationwide surcharge-free CO-OP ATMs already available to Deseret First members.
• 3,600 nationwide shared branch locations where you can access your account for free.
• Federally Insured by the NCUA up to $250,000.

To qualify, just do the following each monthly qualification cycle.

• At least 1 payroll/retirement direct deposit per monthly qualification cycle. We'll even help you switch your direct deposit.
• At least 10 debit card Purchases per monthly qualification cycle. Most people do that many in a week.
• Accept monthly eStatements from dfcu.com. It's faster, more secure and it's green.
• Valid email address for important account notifications and offers.
• You're probably already doing all of this, but just not getting paid a CD-like rate for it.

If you don't meet the requirements during a monthly qualification cycle, here's what happens:

• You miss out on the $25 in ATM fee refunds, BUT
• You still get free checking.
• You still earn 0.20% APY* on your balance for that month.
• You can always try to qualify for a CD-like rate next month.

Monthly qualification cycle dates for 2009

Call, click or visit one of our 13 branch locations from Logan to St. George and open Rewards Checking account today.

* Annual Percentage Yield. No minimum balance required. No minimum deposit to open the account. Available to personal accounts only. One Rewards Checking Account per member. No monthly service charge. Bonus Rate of 2.25% APY paid on balances between one penny and $25,000, and Second Tier Rate of 0.40% APY paid on all amounts above $25,000 each monthly qualification cycle that the minimum requirements are met. If you do not meet the requirements during a given monthly qualification cycle, your account will still function as a free checking account and you will earn the Standard Rate of 0.20% APY, however, it will not receive the ATM refunds for that monthly qualification cycle. Rates as of June 30, 2009. Rates subject to change without notice. See branch for details.

Member Service Center
Salt Lake area:	801-456-7000
Toll-free:	800-326-3328
Email
Branch locations