Checking Products

A checking account is what you need to have maximum access to your money whenever you need it. The Dayton Firefighters Federal Credit Union checking account provides you anytime anywhere access 24/7.

• Access to your account 24/7 via Online Banking, Text Banking, H.A.L (Home Audio Link) and MasterMoney Debit Card
• Overdraft Protection transfer from Regular savings to cover possible overdraft ($3 per occurrence)
• Bill pay Available
• Free Cash back option available at many merchants
• Oops! Overdraft Advance available ($25 per item fee if used)
• Free and unlimited ATM access; additionally all Alliance One ATM transactions are surcharge free. Click here for NO surcharge locations (Alliance One).
• Click here for NO surcharge Credit Union 24 ATMs
• Click here for STAR ATM locations (surcharge may apply)
• Click here for Cirrus ATM Locations (surcharge may apply)
• Online Check ordering
• Online e-statements
• Direct Deposit/Payroll Deduction
• Personal assistance to help switch your checking and automatic payments
• Low $25 NSF Fee

Health Savings Account

Those with a High Deductible Health Plan (HDHP) can benefit from the low fee Health Savings Account the Credit Union offers. A Health Savings Account (HSA) is a U.S.-government-sponsored account that individuals can establish to make tax-deductible contributions, earn tax-free interest on contributions, and withdraw money tax-free for qualified medical expenses. With easy access through checks and an HSA debit card, you can make paying for your health care needs a little easier.

• Access to your account 24/7 via Online Banking
• H.A.L- Home Audio Link-24 hour telephone access
• Dividends are paid monthly on daily balances
• Access funds via special HSA Debit Card or HSA Checks
• HSA Debit card daily limits: Call the credit union at 228-1614 to raise your daily limit
  • Point of Sale (POS)-$1,000
  • ATM-$250
• Online E-Statement of account

• Rates are based upon the following tiers:
  • $0 - $2,499
  • $2,500 - $4,999
  • $5,000-$7,499
  • $7,500-$9,999
  • $10,000 and greater

• To qualify for a HSA, first, the individual or family must have a High Deductible Health Plan ( For 2012, a HDHP is a $1,200 deductible for individuals; $2,400 for family ) - other restrictions apply.

• Contribution limits for years 2012:

• Individual - $3,100 per year

• Family - $6,250 per year
• Catch up contribution for those 55 years and older-maximum additional $1,000

Log into my account/View my statement online

Sign up for online banking to view my account online and view my statements (Click on the "enroll online" on the menu to the left). Once logged on go to the self service tab and click on E-statements.

Click here for an HSA Debit Card- Fill this form out and fax to 228-0068

Click here for an HSA Authorized User Debit Card- Fill this form out and fax to 228-0068 (HSA account holder must sign along with the authorized individual.)

HSA Frequently Asked Questions

Qualified Medical Expenses

• $2 account closure fee if member closes membership at the credit union

Value Share Draft Checking

If you are looking for dividends on an account and keep at least $1,000 in your checking, our Value Share Draft Checking is for you. With our Value Share Draft Checking Account a minimum balance earns you market driven dividends and with unlimited access it is perfect for those who keep a higher balance in their checking.

• Access to your account 24/7 via Online Banking, Text Banking, H.A.L (Home Audio Link) and MasterMoney Debit Card
• Minimum balance of $1,000 to open
• Dividends:
  • Are earned on the days that the account balance is $1,000 or greater
  • Are paid and compounded monthly using the daily balance method
• $5 monthly service charge applies when daily balance falls below $1,000 anytime during the month
• Bill Pay available
• Free and unlimited ATM access; additionally all Alliance One ATM transactions are surcharge free. Click here for locations.
• Online E-statements
• Personal assistance to help switch your checking and automatic payments
• Direct Deposit/Payroll Deduction
• Low $25 NSF Fee

Club 50 Checking

Our Club 50 Checking Account is a value added account for members age 50 or better. If you are in the best years of your life, you need a checking with perks and we have just the account.

• Access to your account 24/7 via Online Banking, Text Banking, H.A.L (Home Audio Link) and MasterMoney Debit Card
• Up to two boxes of Club 50 checks free per year (direct deposit and active VISA required)
• Overdraft Protection transfer from Regular savings
• Bill pay Available
• Free Cash back option available at many merchants
• Oops! Overdraft Advance available ($25 per item fee if used)
• Free and unlimited ATM access; additionally all Alliance One ATM transactions are surcharge free. Click here for locations.
• Online Check ordering
• Online e-statements
• Direct Deposit/Payroll Deduction
• Personal assistance to help switch your checking and automatic payments
• Low $25 NSF Fee

Teen Checking-Look Out Club

For teens age 13-17 we have a checking account that guarantees Independence and shows parents responsibility. Now is the time to learn financial education and apply it to your everyday life. Before you know it, you will be on your own and will be telling the world Look Out! With your parents help, you can get a checking account with a MasterMoney Debit card and have access online and through text banking. You have to have a regular savings first and this is where financial freedom starts. Save for the prom, Spring Break, a car, whatever your goal is, we can help. With your credit union and your parents advice, you can save for anything and you can start entering the financial world of Independence.

• Access to your account 24/7 via Online Banking, Text Banking, H.A.L (Home Audio Link) and MasterMoney Debit Card
• Free Cash back option available at many merchants
• Free and unlimited ATM access; additionally all Alliance One ATM transactions are surcharge free. Click here for locations.
• Online e-statements
• Direct Deposit/Payroll Deduction
• Personal assistance to help you
• Great way to establish relationship for borrowing needs in the future
• Low $25 NSF Fee
• Joint owner is required. When teen reaches age of 18, the joint owner can be removed; Joint owner is also required to sign for the debit card
• Restrictions
  • MasterMoney Debit Card daily limits: (ages 13 to15 - $100; ages 16 to18 - $250)
  • Teen must be 16 years old to order checks
• First box of checks is free (any check series choice)

OOPS! (Occasional Overdraft Privilege Service)

We all make mistakes, but now you are covered. OOPS! is a non contractual overdraft advance solution, available when you need it. Overdraft Privilege allows your checking account to be overdrawn to cover transactions presented for payment up to a predetermined limit. OOPS! covers transactions such as checks clearing your account, checks in person, teller withdrawal, ATM withdrawal and other electronic means. If you are having trouble or are using this overdraft privilege more than occasionally, contact the credit union for help. Overdrafts should not be used to pay ordinary or routine expenses and you should not rely on overdrafts as a means to cover these expenses. If at any time you feel you need help with your financial obligations, please contact us at 937-228-1614.

Benefits Include:

• Saves you money on expensive charges from merchants for returned checks
• Saves you embarrassment and the inconvenience of a denied purchase or dishonored check.
• Covers you if you make a mistake in your checking account
• Eligibility: after checking account has been opened for 30 days, with at least $400 deposited into the account and account is in good standing, the discretionary service of Overdraft Privilege, OOPS! may be added
• Applies to primary checking only
• Maximum limit is $800, including fees incurred
• Fee is $25 per occurrence
• Overdraft must be repaid within 30 days
• Members can opt-out if they do not want this service available on their account

View Legacy Check Options/Reorder Checks