Earn 7.00% APY on the first $10,000 in your Cash Back Checking account by making 10 debit card purchases, enrolling in eDocuments, and setting up $500 in direct deposits each month. Balances over $10,000 earn 0.02% APY. This is not a promotional rate and continues as long as you meet the monthly requirements.
Eligibility
Available nationwide
No state restrictions on this offer.
Credit-pull posture pending
We have not yet confirmed how this account is screened. Check with the institution.
How to get the DFCU Financial Cash Back Checking rate
- Apply through the offer page to open the Cash Back Checking.
- Complete the requirement: $20 minimum to open, $10,000 balance cap for 7% rate.
The fine print that matters
- APY = annual percentage yield, paid and compounded monthly
- Fees could reduce account dividend earnings
- Dividend rate may change after the account is opened
- $20 minimum required to open a checking account
- 7.00% APY limited to first $10,000; balances over $10,000 earn 0.02% APY
- Must meet three requirements each month: 10 debit card purchases, eDocuments enrollment, and $500 in direct deposits
Verification and reports
Confirmed against dfcufinancial.com on Aug 1, 2026. Based on 0 field reports. Status Limited reports is computed from those reports, never hand-set.
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Sources: dfcufinancial.com rate page (checked Aug 1, 2026)
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